Shariff Abd Kadir SAB, Sondoh Jr SL, Madli F, Shariff Abd Kadir SU, Willie SA. EXPLORING RISK IN BNPL ADOPTION AMONG MILLENNIALS IN SABAH, MALAYSIA: A CONCEPTUAL STUDY. LJMS [Internet]. 2026 Jun. 5 [cited 2026 Jun. 6];20(1):44-59. Available from: https://jurcon.ums.edu.my/ojums/index.php/LJMS/article/view/7300