Hesniati, Hesniati, Dhamma Vicaya Putri, and Candy Candy. “THE ROLE OF MATERIALISM, BNPL USAGE, AND DIGITAL FINANCIAL LITERACY IN FORMING FINANCIAL WELL-BEING THROUGH IMPULSIVE BUYING”. Jurnal Riset Ekonomi dan Bisnis 19, no. 2 (August 30, 2026): 141–162. Accessed September 9, 2026. https://journals.usm.ac.id/index.php/jreb/article/view/14447.