I. Osman, N. A. Muhamad Ariffin, M. F. N. Bin Mohd Yuraimie, M. F. Bin Ali, and M. A. F. Bin Noor Akbar, “How Buy Now, Pay Later (BNPL) is Shaping Gen Z’s Spending Spree in Malaysia”, IMBR, vol. 16, no. 3(I)S, pp. 657–674, Oct. 2024, doi: 10.22610/imbr.v16i3(I)S.4092.