SARIFUDDIN, Syamsulang. BUY NOW, PAY LATER OR PAIN LATER? A QUALITATIVE STUDY ON THE ADOPTION OF BNPL AND FINANCIAL RISKS AMONG GENERATION Z CONSUMERS IN KLANG VALLEY. International Journal of Social Policy and Society (IJSPS), [S. l.], v. 21, p. 73–89, 2025. Disponível em: https://ijsps.ism.gov.my/index.php/IJSPS/article/view/332. Acesso em: 27 oct. 2026.