Muhammad Saputra (2026) “The Influence of Financial Knowledge, Financial Attitude, and Hedonism Lifestyle on Financial Management Behavior with Locus of Control as a Moderating Variable among Paylater Users ”, Proceeding of International Management Conference and Progressive Papers, 4(1). Available at: https://proceeding.unesa.ac.id/index.php/immersive/article/view/8164 (Accessed: 2 November 2026).