Veneya, Keisha, et al. “The Influence of Financial Literacy, Financial Attitude, and Lifestyle on Financial Management Behavior in Paylater Usage Among Generation Z: The Moderating Role of Locus of Control”. Edelweiss Applied Science and Technology, vol. 9, no. 8, Aug. 2025, pp. 95-112, doi:10.55214/2576-8484.v9i8.9223.