Nik Farzana NurBalqis Yusran. “Factors Influencing Buy Now, Pay Later Usage Intention Among Gen Z Consumers in Malaysia: An Empirical Investigation”. International Journal of Special Education, vol. 41, no. 24s, Oct. 2026, p. 1197 1221, https://internationalsped.com/index.php/ijse/article/view/7048.