“BNPL (Buy Now, Pay Later) and Its Effect on Debt Perception & Saving Habits of Gen Z Students in India”. International Journal of Finance, Economics, and Management Studies 2, no. 3 (July 6, 2026): 39–46. Accessed July 28, 2026. https://internationaljournalssrp.org/index.php/ijfems/article/view/429.