Annisa Ayulestari Noer, Nor Norisanti and Kokom Komariah 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.