Buy Now, Pay Later (bnpl): Is It Financial Ally Or Debt Trap? A Study Among University Student-universiti Malaysia Sabah
Dr. Norhamiza Binti Ishak is a distinguished researcher at Fakulti Kewangan Antarabangsa Labuan, University Malaysia Sabah.
As a member of Fakulti Kewangan Antarabangsa Labuan, they contribute significantly to the academic and research community at UMS through their expertise and dedication to advancing knowledge in their field.