MUSTAPA, S. N. S.; AHMAD, S. S.; ZAKARIA, A. 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), [S. l.], v. 7, n. 25, 2025. DOI: 10.35631/AIJBES.725055. Disponível em: https://gaexcellence.com/aijbes/article/view/6215. Acesso em: 14 dec. 2025.