Ardine Ariella Hassya, Debi Irawan, Fadhlanrashif Ibrahim Supriyana, Athia Saelan, and Arief Hertadi Rustam. “Analisis Pengaruh AI Dalam Mendorong Keputusan Penggunaan PayLater Melalui Personalisasi Rekomendasi E-Commerce”. Jurnal Publikasi Ilmu Komputer dan Multimedia 5, no. 1 (January 30, 2026): 180–196. Accessed January 31, 2026. https://journalcenter.org/index.php/jupikom/article/view/6092.