[1]
M. B. Tang, N. . Sa'adi, and J. L. Andam, “Buy Now, Pay Later Services: Adoption Drivers among Digitally Fluent Generations in Sarawak”, jtmb, vol. 12, no. 1, pp. 119–136, Jun. 2025, Accessed: Mar. 11, 2026. [Online]. Available: https://penerbit.uthm.edu.my/ojs/index.php/jtmb/article/view/19844