Muhammad Saputra. 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 . IMMERSIVE [Internet]. 2026 Oct. 17 [cited 2026 Nov. 3];4(1). Available from: https://proceeding.unesa.ac.id/index.php/immersive/article/view/8164