Iswariyadi, A., Kurniasari , F., Tannady, H. and Kazhim, M. A. (2023) “How to Improve the Propensity to Indebtedness of Shopee Paylater Gen Z Users?”, Arkus, 9(1), pp. 308-312. doi: 10.37275/arkus.v9i1.295.