LIE, Marisa; SAHDA PUTRA, Bani; SAMMUEL SULU, Jimmy; TANJUNG, Miranda. The Psychology of BNPL Repayment Procrastination: Behavioral Insights on Present Bias and Financial Motivation. Journal The Winners, [S. l.], 2025. Disponível em: https://journal.binus.ac.id/index.php/winners/article/view/13936. Acesso em: 18 oct. 2025.