Jagadhita, P.A.A. and Tjhin, V.U. 2023. THE ANALYSIS OF FACTORS INFLUENCING INTENTION TO USE PAY LATER USING TECHNOLOGY ACCEPTANCE MODEL (TAM). Jurnal Cahaya Mandalika ISSN 2721-4796 (online). 4, 1 (Feb. 2023), 467-479. DOI:https://doi.org/10.36312/jcm.v4i1.1356.