Marheni, Dewi Khornida, Rhukil Cahyani Amalia, Yulfiswandi Yulfiswandi, and Hanini Ilyana Che Hashim. “Balancing Convenience and Risk: Personality Traits, Buy Now Pay Later Usage, and Consumer Well-Being”. Jurnal Fokus Manajemen Bisnis 16, no. 1 (May 14, 2026): 274–298. Accessed May 16, 2026. http://journal2.uad.ac.id/index.php/fokus/article/view/15065.