Igani (Ph-D), D.C, Pott-Johnson, Ethel, and Okwara, Rosemary. 2025. “PSYCHOLOGICAL DETERMINANTS OF BUY-NOW-PAY-LATER ON IMPULSE PURCHASES BEHAVIOR AMONG GENZ MOBILE PHONE USERS”. BW Academic Journal, July. https://bwjournal.org/index.php/bsjournal/article/view/3132.