Saleh Alarifi. “The Determinants Impacting the Willingness to Use Fintech Payment Systems: The Case of Buy Now and Pay Later (BNPL)”. The American Journal of Management and Economics Innovations 7, no. 11 (November 19, 2025): 68–79. Accessed November 22, 2025. https://theamericanjournals.com/index.php/tajmei/article/view/6916.