Wulandjani H. Repeated use of buy-now-pay-later (BNPL) services: A reciprocal relationship of technological and behavioral attributes . JMSAB [Internet]. 2026 Jun. 30 [cited 2026 Aug. 29];9(1):69-84. Available from: https://ejournal.imperiuminstitute.org/index.php/JMSAB/article/view/1539