“THE INFLUENCE OF SOCIAL MEDIA MARKETING, FINANCIAL LITERACY,RISK PERCEPTION, AND USER SATISFACTION ON PAYLATERCONSUMER LOYALTY IN INDONESIA”. INDONESIAN JOURNAL OF BUSINESS AND ECONOMICS 8, no. 1 (June 26, 2025): 1138–1149. Accessed July 27, 2026. https://ijbe.uniku.ac.id/pub/article/view/9.