Mahmud, N. M., M. Ahmad, F. Alwi, M. I. Ghuslan, N. N. A. N. Kamarudin, and A. H. Osman. “BUY NOW, PAY LATER (BNPL): A REVIEW OF BEHAVIORAL AND SOCIAL DRIVERS, ECONOMIC IMPLICATIONS, AND REGULATORY CHALLENGES”. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), vol. 8, no. 29, Sept. 2026, pp. 594-07, doi:10.35631/AIJBES.829033.