“The Impact of Buy-Now-Pay-Later Schemes on Young Consumers’ Spending Patterns: An Economic Perspective”, Int. J. Mark. Manag., vol. 13, no. 4, pp. 237–252, Dec. 2025, Accessed: Sep. 05, 2026. [Online]. Available: https://ijmm.in/index.php/ijmm/article/view/315