RANA, Waseem; AFZAL, Hannan; KHAN, Inam Ullah; MOBEEN, Ian. Buy now, pay later adoption among generation z in Pakistan: An integrated cognitive, psychological, and social perspective. Journal of Climate and Community Development, [S. l.], v. 5, n. 2, p. 43–59, 2026. Disponível em: https://joccd.com/index.php/joccd/article/view/126. Acesso em: 8 aug. 2026.