H. Hesniati, D. V. Putri, and C. Candy, “THE ROLE OF MATERIALISM, BNPL USAGE, AND DIGITAL FINANCIAL LITERACY IN FORMING FINANCIAL WELL-BEING THROUGH IMPULSIVE BUYING”, Jurnal Riset Ekonomi dan Bisnis, vol. 19, no. 2, pp. 141–162, Aug. 2026, doi: 10.26623/jreb.v19i2.14447.