USAMA AFZAL. Buy Now, Pay Later (BNPL) 3.0: Global Business Models, Risks, and Profit Opportunities across Asia and Beyond. Social Science Review Archives, [S. l.], v. 3, n. 4, p. 850–867, 2025. DOI: 10.70670/sra.v3i4.1177. Disponível em: https://policyjournalofms.com/index.php/6/article/view/1177. Acesso em: 14 mar. 2026.