Exploring the Adoption of PayLater Features and Their Impact on Consumptive Lifestyle and Consumer Debt Risk

This item contains a single PDF file with two tables to support the manuscript under review: 1. Table 1: Measurement Indicators for Each Construct—detailed Likert-scale items used for all theoretical constructs.2. Table 2: Respondent Profile—demographic breakdown (age, gender, education, occupation, income, debt status, and PayLater usage) for 212 participants. Access is configured via a private, anonymous link to maintain double-blind peer review. A DOI has been reserved and will be activated upon manuscript acceptance.