PayLater and Consumer Behavior: The Impact of the Buy Now, Pay Later (BNPL) Phenomenon on Financial Literacy and Debt Levels among Generation Z. International Journal of Economics Management and Social Science , [S. l.], v. 9, n. 2, p. 510–520, 2026. Disponível em: https://journal.salewangang.net/ijemss/article/view/134. Acesso em: 7 jul. 2026.