ABU SEMAN, S. A. Convenience Over Cash: Understanding Why Gen Z Embrace Buy Now Pay Later Services. Journal of Information and Knowledge Management, [S. l.], v. 15, n. 2, p. 122–133, 2025. DOI: 10.24191/jikm.v15i2.8980. Disponível em: https://journal.uitm.edu.my/ojs/index.php/JIKM/article/view/8980. Acesso em: 16 dec. 2025.