Song, Lim Choon, Wai Hong Tan, and Hui Jie Lew. “An Empirical Analysis of Buy Now, Pay Later Mechanism and Its Impact on Customer Retention in Digital Commerce”. Journal of Entrepreneurship and Business 13, no. 1 (May 8, 2025): 123–131. Accessed July 2, 2025. http://journal.umk.edu.my/index.php/jeb/article/view/1507.