AULIA. Role of Fear of Missing Out in Shopee PayLater Usage Behavior: Perceived Financial Literacy Moderation. Escalate : Economics and Business Journal, [S. l.], v. 4, n. 4, p. 136–142, 2026. DOI: 10.61536/escalate.v4i4.860. Disponível em: https://journal.takaza.id/index.php/escalate/article/view/860. Acesso em: 23 oct. 2026.