APA (7th ed.) Citation

Furqan, F., Pangaribuan, C. H., Tjhin, S., & Luhur, C. Buy now, pray later? Demystifying unrestrained spending in the age of BNPL. Universitas Islam Indonesia.

Chicago Style (17th ed.) Citation

Furqan, Farhan, Christian Haposan Pangaribuan, Santo Tjhin, and Calista Luhur. Buy Now, Pray Later? Demystifying Unrestrained Spending in the Age of BNPL. Universitas Islam Indonesia.

MLA (9th ed.) Citation

Furqan, Farhan, et al. Buy Now, Pray Later? Demystifying Unrestrained Spending in the Age of BNPL. Universitas Islam Indonesia.

Warning: These citations may not always be 100% accurate.