Tay, Wai Zhi, and Chi Hau Tan. “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, no. 2 (August 30, 2026): 171–192. Accessed August 31, 2026. https://journals.mmupress.com/index.php/ijomfa/article/view/3105.