DEWI, Nyoman Rhania Apsari; SASMITA, Putu Bunga Amara; ANGELIA P, Zevanya; SETYAWAN, Jefri. The Instant Gratification Trap: How QRIS Fuels Consumptive Behavior in Surabaya’s Young Consumers. Jurnal Psikologi Teori dan Terapan, Surabaya, ID., v. 16, n. 02, p. 105–118, 2025. DOI: 10.26740/jptt.v16n02.p105-118. Disponível em: https://journal.unesa.ac.id/index.php/jptt/article/view/39375. Acesso em: 12 nov. 2025.