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, [S. l.], v. 41, n. 24s, p. 1197 1221, 2026. Disponível em: https://mail.internationalsped.com/index.php/ijse/article/view/7048. Acesso em: 20 oct. 2026.