THE IMPACT OF FINANCIAL LITERACY AND DIGITAL PAYMENT TRUST ON CASH ON DELIVERY PREFERENCE AND ITS IMPLICATION FOR PERCEPTION OF LAST MILE DELIVERY PERFORMANCE. SINERGY [Internet]. 2026 Feb. 15 [cited 2026 Mar. 2];1(1):698-706. Available from: https://conference.unita.ac.id/index.php/proceeding-of-sinergy/article/view/697