: The growth of these services is primarily driven by younger and low-income consumers . Research indicates that roughly 44% of BNPL users are between 18–30 years old .
: A 2026 review in Journal of Theoretical and Applied Electronic Commerce Research exploring the link between installment plans and impulsive consumption. buy clothes online pay monthly
: A study published in the Journal of Marketing found that BNPL adoption led to a 10% increase in basket sizes on average. Financially constrained shoppers, often those reliant on credit cards, saw an even larger 14% increase . : The growth of these services is primarily
: Published in the Journal of Retailing (2024), it uses transaction data to quantify how spending changes after adopting monthly payment options. : A study published in the Journal of
: Apparel is one of the primary categories where BNPL is used to purchase "wants" rather than "needs". Research from MDPI indicates that installment plans remove the immediate "pain of payment," leading to more spontaneous and emotional purchasing decisions.
: By dividing a total cost into smaller monthly installments, consumers perceive the price as more "trivial" or manageable, which reduces cognitive resistance to spending.
