Aayesha Goyal, Poonam Khamar Shah. “The Impact of Buy-Now-Pay-Later Schemes on Young Consumers’ Spending Patterns: An Economic Perspective”. European Economic Letters (EEL) 15, no. 4 (December 19, 2025): 2188–2197. Accessed May 15, 2026. https://eelet.org.uk/index.php/journal/article/view/4030.