ALAMSYAH, F.; HAMDI, M. Peran Mediasi Present bias dan Mental accounting pada Pengaruh Adopsi Buy Now Pay Later (BNPL) terhadap Keputusan Pembelian Gen Z. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 8, n. 4, p. 2093–2110, 2026. DOI: 10.47467/alkharaj.v8i4.11624. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/11624. Acesso em: 14 apr. 2026.