EXAMINING MALAYSIAN CONSUMERS’ ACCEPTANCE OF SHARIAH-COMPLIANT BUY NOW PAY LATER USING THE UTAUT MODEL. qjssh [Internet]. 2026 Jul. 30 [cited 2026 Nov. 6];7(SI4):219-27. Available from: https://www.qjssh.com/index.php/qjssh/article/view/1576