SHARIFF ABD KADIR, S. A. B.; SONDOH JR, S. L.; MADLI, F.; SHARIFF ABD KADIR, S. U. .; WILLIE, S. A. EXPLORING RISK IN BNPL ADOPTION AMONG MILLENNIALS IN SABAH, MALAYSIA: A CONCEPTUAL STUDY. Labuan e-Journal of Muamalat and Society (LJMS), [S. l.], v. 20, n. 1, p. 44–59, 2026. DOI: 10.51200/ljms.v20i1.7300. Disponível em: https://jurcon.ums.edu.my/ojums/index.php/LJMS/article/view/7300. Acesso em: 6 jun. 2026.