Carvallo, Gracia Margaretha Meisya and Wisanggalih, Wisanggalih and Putri, Suryaning Perwita Mandiri and Salwati, Lidia Ratna and Christofer, Jerry and Andiniko, Putu Bagus Dipa and Bau, Ester Marcelina and Ravena, Fellicia and Marselo, Afriana and Wardhani, Aurelia Melinda Nisita and Bura, Maria (2023) Financial Atitude, Behavioral Control, Self-Efficacy, and Financial Behavior Towards Pay Later Service Users. Proceedings The 2nd International Conference on Economics, Business, and Management Research (ICEBMR), 2. pp. 333-342. ISSN ISSN: 3032-596X