Husniah Azriani and Burhanudin 2026. The Influence of Lifestyle, Income, and Perception of Paylater Use on Financial Behavior of Gen Z in Mataram City. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Mar. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9734.