Idris, Idris, Octavio, Danes, Wiweko, Aryoga, Anggara, Adi, AND Almadana, Aulia. "SUSTAINABLE MARKETING STRATEGIES FOR BNPL SERVICES: A UTAUT-BASED CONSUMER LITERACY APPROACH" International Conference on Vocational Business, Logistic, Accounting, Supply Chain, Tax (ICoBLAST) [Online], Volume 1 Number 1 (15 July 2026)