Jagadhita, Putu Agus Arya, and Viany Utami Tjhin. 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). Indonesia, 467-79. https://doi.org/10.36312/jcm.v4i1.1356.