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Relja, Ruffin ORCID: 0000-0001-9569-6247, Ward, Philippa ORCID: 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: 0000-0001-9569-6247, Ward, Philippa ORCID: 0000-0002-4971-8908 and Zhao, Anita Lifen ORCID: 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: 0000-0001-9569-6247, Ward, Philippa ORCID: 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: 0000-0001-9569-6247, Ward, Philippa ORCID: 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: 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