MARHENI, D. K.; AMALIA, R. C.; YULFISWANDI, Y.; HASHIM, H. I. C. Balancing convenience and risk: Personality traits, buy now pay later usage, and consumer well-being. Jurnal Fokus Manajemen Bisnis, [S. l.], v. 16, n. 1, p. 274–298, 2026. DOI: 10.12928/fokus.v16i1.15065. Disponível em: http://journal2.uad.ac.id/index.php/fokus/article/view/15065. Acesso em: 16 may. 2026.