(1)
Mahmud, N. M.; Ahmad, M.; Alwi, F.; Ghuslan, M. I.; Kamarudin, N. N. A. N.; Osman, A. H. BUY NOW, PAY LATER (BNPL): A REVIEW OF BEHAVIORAL AND SOCIAL DRIVERS, ECONOMIC IMPLICATIONS, AND REGULATORY CHALLENGES. AIJBES 2026, 8, 594-607.