Annisa Ayulestari Noer et al. 2025. THE INFLUENCE OF LIFESTYLE AND FINANCIAL TECHNOLOGY ON FINANCIAL BEHAVIOR OF SHOPEE PAYLATER USERS AMONG UMMI STUDENTS. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 6 (Jul. 2025), 3166–3176. DOI:https://doi.org/10.54443/morfai.v5i6.3421.