HESNIATI, H.; PUTRI, D. V.; CANDY, C. THE ROLE OF MATERIALISM, BNPL USAGE, AND DIGITAL FINANCIAL LITERACY IN FORMING FINANCIAL WELL-BEING THROUGH IMPULSIVE BUYING. Jurnal Riset Ekonomi dan Bisnis, v. 19, n. 2, p. 141–162, 30 Aug.2026.