Ainunnisa, N.S., Handayani, E., Pratama, B.C. and Fauziridwan, M. 2026. Determinants of Buy Now, Pay Later (BNPL) Usage Among Generation Z. JURNAL ECONOMINA. 5, 8 (Aug. 2026), 5247–5264. DOI:https://doi.org/10.55681/economina.v5i8.3722.