Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247, Ward, Philippa
ORCID: https://orcid.org/0000-0002-4971-8908, Cook, Richard
ORCID: https://orcid.org/0000-0002-0539-3224 and Zhao, Anita Lifen
(2025)
Credit Dom(me)s, BNPL switches and debt subs: Experiences of pain and pleasure.
Journal of Business Research, 194.
doi:10.1016/j.jbusres.2025.115380
(In Press)
Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247, Ward, Philippa
ORCID: https://orcid.org/0000-0002-4971-8908 and Zhao, Anita Lifen
(2024)
Three little words: A pragmatic qualitative method to understand modern markets.
International Journal of Market Research, 66 (4).
pp. 388-409.
doi:10.1177/14707853231219927
Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247, Ward, Philippa
ORCID: https://orcid.org/0000-0002-4971-8908 and Lifen Zhao, Anita
(2024)
The Buy-Now-Pay-Later Ecosystem - New (Algo)Rhythms of Spending and Reframed Relationships.
In:
Digital Project Practice for Banking and FinTech.
Taylor and Francis Group, Boca Raton, pp. 121-134.
ISBN 9781003395560
Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247, Ward, Philippa
ORCID: https://orcid.org/0000-0002-4971-8908 and Zhao, Anita Lifen
ORCID: https://orcid.org/0000-0003-2957-8300
(2024)
Understanding the Psychological Determinants of Buy-Now-Pay-Later (BNPL) in the UK: A User Perspective.
International Journal of Bank Marketing, 42 (1).
pp. 7-37.
doi:10.1108/IJBM-07-2022-0324
Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247, Ward, Philippa
ORCID: https://orcid.org/0000-0002-4971-8908 and Zhao, Anita Lifen
(2023)
Friend or foe? How buy-now-pay-later is seeking to change traditional consumer-retailer relationships in the UK.
In:
The Future of Consumption.
Palgrave Macmillan, pp. 95-119.
ISBN 9783031332463
Relja, Ruffin ORCID: https://orcid.org/0000-0001-9569-6247
(2022)
Just for people like me: A multimodal interpretative phenomenological analysis of font consumption.
PhD thesis, University of Gloucestershire.
doi:10.46289/FB84UM62