Shafie, Najma Athirah Mohammad, Zurina Shafii, and Muhammad Ilyas Ariffin Abu Bakar. 2025. “SHARIAH AUDIT IN INFORMATION TECHNOLOGY SYSTEMS FOR BUY NOW PAY LATER (BNPL) PLATFORMS: A STUDY ON COMPLIANCE, GOVERNANCE AND IMPLEMENTATION”. I-IECONS E-Proceedings 11 (1):245-56. https://epiiecons.usim.edu.my/index.php/eproceeding/article/view/168.