Wan Nawang, W. R., S. Jasazami, I. F. Anwar, and S. N. Nordin. “KNOWING THE RISKS BUT CONTINUING ANYWAY? EXPLAINING SUSTAINED BUY NOW, PAY LATER USAGE AMONG GENERATION Y AND Z”. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), vol. 8, no. 27, Mar. 2026, pp. 423-40, doi:10.35631/AIJBES.827028.