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Fatwa Authorities and the Binding Nature of Sharia Norms on ‘Buy Now, Pay Later’: An Analysis of Regulatory Design to Strengthen the Governance of Sharia-Compliant BNPL in Indonesia and Malaysia. averroes [Internet]. 2025 Dec. 21 [cited 2026 Oct. 8];2(03):224-40. Available from: https://e-journal.grahakaromah.com/index.php/averroes/article/view/312