Serliana Serliana and Nursapia Harahap 2026. The Use of Paylater for a Hedonistic Lifestyle Among Students at the University of Muhammadiyah North Sumatra. International Journal Of Humanities Education and Social Sciences (IJHESS) . 5, 6 (Jun. 2026). DOI:https://doi.org/10.55227/ijhess.v5i6.2372.