The Impact of Buy-Now-Pay-Later Schemes on Young Consumers’ Spending Patterns: An Economic Perspective. International Journal of Marketing Management, [S. l.], v. 13, n. 4, p. 237–252, 2025. Disponível em: https://ijmm.in/index.php/ijmm/article/view/315. Acesso em: 5 sep. 2026.