RAMADHAN, B. B. Financial Literacy and Risky Credit Behavior: The Mediating Role of Financial Stress in PayLater Usage. FireNav: Financial Resilience and National Values Journal, [S. l.], v. 1, n. 1, p. 1–14, 2025. Disponível em: https://firenav.upnjatim.ac.id/index.php/firenav/article/view/1. Acesso em: 2 may. 2025.