@article{khalda2025,
title = {Spending Patterns and Financial Risks among ‘Buy Now, Pay Later’ (BNPL) Consumers},
author = {Khalda Majeed and Maria Corazon Samorin},
journal = {Psychology and Education: A Multidisciplinary Journal},
volume = {39},
number = {6},
pages = {780-787},
year = {2025},
doi = {10.70838/pemj.390605},
}