Mustapa, S. N. S., Ahmad, S. S., & Zakaria, A. (2025). FINANCIAL LITERACY, BEHAVIOR, AND INCLUSION AS PREDICTORS OF FINANCIAL WELL-BEING AMONG YOUNG BNPL USERS: A CONCEPTUAL FRAMEWORK. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), 7(25). https://doi.org/10.35631/AIJBES.725055