Marheni, Dewi, Felix Panjaitan, and Yulfiswandi Yulfiswandi. 2026. “Impulsive Buying Behavior As the Main Driver of College Students’ Intention to Use Buy Now, Pay Later (BNPL) Services”. Journal of Management : Small and Medium Enterprises (SMEs) 19 (2), 837-55. https://doi.org/10.35508/jom.v19i2.24842.