THE EFFECT OF FINANCIAL LITERACY ON RISKY CREDIT BEHAVIOR IN THE USE OF GOPAYLATER WITH FINANCIAL SELF-EFFICACY AS A MEDIATING VARIABLE. Proceedings International Indonesia Conference on Interdisciplinary Studies, [S. l.], v. 1, p. 445–456, 2025. Disponível em: http://iicis.fisip.unila.ac.id/index.php/web/article/view/25. Acesso em: 22 aug. 2025.