Gautam, Tara Prasad, Richa Pokhrel, Chunika Rai, Smriti Rai, Anish Maharjan, and Alish Shakya. “BNPL Services and Spending Behaviors of Millennial Generation in Lalitpur District”. United Journal of Interdisciplinary Studies 2, no. 1 (December 31, 2025): 44–59. Accessed May 21, 2026. https://nepjol.info/index.php/ujis/article/view/92961.