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Nugraha, S.D., Kautsar, A., Abbrori, N.H.H. and Fazlurrahman, H. 2026. Analysis of the Influence of Financial Literacy, Digital Literacy, and Financial Behavior on Interest in Using Shopee PayLater in Surabaya City. JURNAL ECONOMINA. 5, 9 (Sep. 2026), 6514–6530. DOI:https://doi.org/10.55681/economina.v5i9.4130.