THE IMPACT OF FINANCIAL LITERACY AND DIGITAL PAYMENT TRUST ON CASH ON DELIVERY PREFERENCE AND ITS IMPLICATION FOR PERCEPTION OF LAST MILE DELIVERY PERFORMANCE. Proceeding of SINERGY, [S. l.], v. 1, n. 1, p. 698–706, 2026. Disponível em: https://conference.unita.ac.id/index.php/proceeding-of-sinergy/article/view/697. Acesso em: 2 mar. 2026.