: A 2026 review in Journal of Theoretical and Applied Electronic Commerce Research exploring the link between installment plans and impulsive consumption.
: 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 . buy clothes online pay monthly
: A summary of large-scale research involving 275,000 consumers, originally published in the Journal of Marketing . : A 2026 review in Journal of Theoretical