GOSAL, Gladys Greselda; VIDYANATA, Deandra; SANTOSO, Wiliam; PARAMITA, Sista. Beyond Traditional Risk Perception: Understanding BNPL Adoption Through an Extended Risk-Benefit Framework. Journal The Winners, [S. l.], 2026. Disponível em: https://journal.binus.ac.id/index.php/winners/article/view/15162. Acesso em: 1 sep. 2026.