Mohammad CNA, Othman NA, Mohamed M. From Intention to Indebtedness: A Narrative Review on Behavioral, Financial, and Islamic Finance Determinants of Buy Now Pay Later (BNPL) Usage in Malaysia. JMITR [Internet]. 2025Dec.31 [cited 2026Apr.19];1(01):51-75. Available from: https://ejournal.unipsas.edu.my/index.php/jmitr/article/view/494