@book{11529,
	author = {Cao Nam Cường and Nguyễn Hoàng Hiệp, người hướng dẫn },
	title = {Factors Influencing the Adoption of Buy Now, Pay Later (BNPL) Services: A Case Study of ShopeePayLater in Vietnam /},
	publisher = {Trường Quốc tế, },
	year = {2026},
	address = {H. :}
}