Mendbayar, M., & Gantulga, U. (2026). “A STUDY ON FACTORS INFLUENCING CONSUMER ATTITUDES TOWARD THE USE OF BUY NOW, PAY LATER (BNPL) SERVICES”. Journal of Business and Innovation (Бизнес & Инноваци), 12(2), 124–139. https://doi.org/10.22353/jbai.2026120208