Shafie, Najma Athirah Mohammad, Zurina Shafii, and Muhammad Ilyas Ariffin Abu Bakar. “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, no. 1 (September 19, 2025): 245–256. Accessed September 22, 2025. https://epiiecons.usim.edu.my/index.php/eproceeding/article/view/168.