Ilmi, Sendy Watazawwadu, Fithriyyah Shalihati, and Tanti Novianti. “Buy Now Pay Later and Online Impulse Buying: An Empirical ‎Study in Indonesia’s Digital Economy”. International Journal of Accounting and Economics Studies 12, no. 7 (November 4, 2025): 116–128. Accessed December 5, 2025. https://www.sciencepubco.com/index.php/IJAES/article/view/36231.