Afina Alias, A. ., Zaida Zaidi, F. ., & Shahmina Mohd Fauzey, N. F. . (2025). Buy Now, Think Later? A Conceptual Take on Malaysian BNPL Choices: DOI: https://doi.org/10.33093/ijomfa.2025.6.2.7. International Journal of Management, Finance and Accounting, 6(2), 200–218. https://doi.org/10.33093/ijomfa.2025.6.2.7