“DETERMINANTS OF OVERDUE PAYMENT BEHAVIOUR AMONG BUY NOW PAY LATER (BNPL) USERS IN TERENGGANU, MALAYSIA”. iBAF e-Proceedings 12, no. 1 (October 29, 2026): 354–367. Accessed October 31, 2026. https://epibaf.usim.edu.my/index.php/eproceeding/article/view/135.