Koten, R.S., Palaka, O.K., Purwanti, R.N. and Anita Permatasari, A.P. 2024. IMPACT OF INCOME, LIFESTYLE, AND BUSINESS MOTIVATION ON SURABAYA STUDENTS’ USE OF PAYLATER. International Conference of Business and Social Sciences. 3, 1 (Jan. 2024), 644–651. DOI:https://doi.org/10.24034/icobuss.v3i1.430.