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), pp. 274–298. doi: 10.12928/fokus.v16i1.15065.