TANG, Maximus Balla; SA'ADI, Nurzalikha; ANDAM, Jessica Lyn. Buy Now, Pay Later Services: Adoption Drivers among Digitally Fluent Generations in Sarawak. Journal of Technology Management and Business, [S. l.], v. 12, n. 1, p. 119–136, 2025. Disponível em: https://penerbit.uthm.edu.my/ojs/index.php/jtmb/article/view/19844. Acesso em: 11 mar. 2026.