Tay, W.Z. and Tan, C.H. 2026. Analysis of The Determinants of Buy-Now-Pay-Later Payment Mode Among Malaysians in Klang Valley: DOI: https://doi.org/10.33093/ijomfa.2026.7.2.6. International Journal of Management, Finance and Accounting. 7, 2 (Aug. 2026), 171–192. DOI:https://doi.org/10.33093/ijomfa.2026.7.2.6.