Utomo, G. A. A., & Sriyono , S. (2025). THE INFLUENCE OF CONVENIENCE, TRUST, AND SECURITY ON PAYLATER USAGE (A CASE STUDY ON GEN Z IN SIDOARJO). Journal of Artificial Intelligence and Digital Economy, 2(3), 252–265. https://doi.org/10.61796/jaide.v2i3.1514