@misc{lim2026_ssrn_6684698,
  author = {Lim, Boon Chuan},
  title = {The Inverted Regulatory Perimeter in Singapore Buy-Now-Pay-Later},
  year = {2026},
  doi = {10.2139/ssrn.6684698},
  url = {https://doi.org/10.2139/ssrn.6684698},
  note = {Working paper / preprint}
}