Yamuna, S., and C. Sahila. “Role of Gamification and Perceived Value on Consumers’ Behavioural Intention to Use Buy-Now, Pay-Later (BNPL) Services through the Extended Tam Model”. International Review of Management and Marketing 16, no. 3 (March 16, 2026): 662–674. Accessed March 31, 2026. https://econjournals.com/index.php/irmm/article/view/22439.