Arrita R. THE INFLUENCE OF THE INFLUENCE OF AGE AND GENDER DEMOGRAPHICS AND INCOME LEVELS ON CONSUMERS’ CHOICE TO USE CREDIT CARDS OR PAYLATER CREDIT AND OTHER NON-CARD LOANS CASE STUDY AT BANK BNI . RICEBA [Internet]. 2025 Feb. 1 [cited 2025 Jul. 20];2(1). Available from: https://riceba.prosiding.unri.ac.id/index.php/riceba-prosiding/article/view/462