Nur Komarudin, M., Arraniri, I. and Agyan, D.F. 2024. The Impact of Financial Proficiency, Financial Attitudes, and Income on Financial Behavior in Using PayLater on E-Commerce . International Journal Administration, Business & Organization. 5, 2 (Aug. 2024), 26-36. DOI:https://doi.org/10.61242/ijabo.24.407.