Mohd Zaid, Noor Azila, Asma’ Rashidah Idris, Salwa Muda, and Nurain Farahana Zainal Abidin. “‘Swipe Now, Worry Later’- Unpacking the Factors Driving BNPL Adoption: A Scoping Review Perspective”. Environment-Behaviour Proceedings Journal 10, no. SI28 (May 14, 2025): 11–17. Accessed September 19, 2025. https://ebpj.e-iph.co.uk/index.php/EBProceedings/article/view/6959.