Eva Purnamasari, Rifah Dwi Astuti, Sri Wahyuni, Sandi Supaya and Ana Putri Nastiti 2023. Analysis Of The Influence Of Financial Literacy, Risk Perceptions, And Lifestyle On Transaction Decisions Through Fintech Payment Paylater On Students In The City Of Semarang. International Journal of Economics, Business and Innovation Research. 3, 01 (Dec. 2023), 77-87. DOI:https://doi.org/10.63922/ijebir.v3i01.633.