Marheni, D.K., Amalia, R.C., Yulfiswandi, Y. and Hashim, H.I.C. 2026. Balancing convenience and risk: Personality traits, buy now pay later usage, and consumer well-being. Jurnal Fokus Manajemen Bisnis. 16, 1 (May 2026), 274–298. DOI:https://doi.org/10.12928/fokus.v16i1.15065.