Utomo, G. A. A. and 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), pp. 252–265. doi: 10.61796/jaide.v2i3.1514.