Role of perceived risks and perceived benefits on consumers behavioural intention to use Buy-Now, Pay-Later (BNPL) services

Journal of Facilities Management, Journal Year: 2024, Volume and Issue: unknown

Published: Feb. 22, 2024

Purpose Perceived risk and benefits have been proposed as crucial elements in consumers’ technology adoption intention. Therefore, this study aims to use the Unified Theory of Acceptance Use Technology 2 (UTAUT2) framework, with perceived risks benefits, explore how they affect Buy-Now-Pay-Later (BNPL) behavioural Design/methodology/approach An online survey was conducted among 537 users BNPL. Partial least square structural equation modelling analysis performed examine hypothesized relationships. Findings The found that performance expectancy, effort habit social influence increase intention towards In contrast, reduces consumer’s use. Additionally, revealed BNPL services positively affects their usage. Practical implications lack information makes consumers hesitant marketers should optimize facilitating conditions, such user-friendly interfaces, accessible resources efficient customer support, which be business strategy service providers ensure a seamless user experience. Originality/value research empirically investigates effect on consumer This contribution is because while there speculation about driving force intention, sufficient empirical evidence support it.

Language: Английский

---

Understanding the intricacies of risky indebtedness, impulse buying and perceived risk in buy-now-pay-later adoption

Asia Pacific Journal of Marketing and Logistics, Journal Year: 2024, Volume and Issue: 36(7), P. 1697 - 1716

Published: Jan. 29, 2024

Purpose This study aims to establish that the relationship between risky indebtedness behavior (RIB) of consumers and their attitude toward adopting buy-now-pay-later (BNPL) is not immediate but mediated through impulse buying. Moreover, it explores how perceived risk moderates association adopt BNPL its adoption intention. Design/methodology/approach used existing theoretical empirical evidence propose a model validated using data collected from 339 young shoppers in India. Analysis conducted partial least squares structural equation modeling. Findings The results show consumers’ RIB directly related BNPL. However, buying fully mediates this relationship, influencing Impulse serially mediate Further, context BNPL, strengthens attitude-intention gap. Practical implications advises policymakers providers carefully assess users’ creditworthiness prevent those already debt entering into detrimental loop. Originality/value provides novel perspectives on consumer’s within Indian context. additionally identifies mediating influence moderating effect

Language: Английский

---

The God locus of financial control, impulsive use of buy-now-pay-later service, and subjective financial well-being among accounting students: the role of social comparison tendencies

Cogent Social Sciences, Journal Year: 2025, Volume and Issue: 11(1)

Published: March 21, 2025

Language: Английский

---

Credit Dom(me)s, BNPL switches and debt subs: Experiences of pain and pleasure

Journal of Business Research, Journal Year: 2025, Volume and Issue: 194, P. 115380 - 115380

Published: April 16, 2025

Language: Английский

---

Why stay loyal? Exploring the role of consumption values, satisfaction, and alternative attractiveness in buy now pay later services

Journal of Financial Services Marketing, Journal Year: 2025, Volume and Issue: 30(2)

Published: April 17, 2025

Language: Английский

---

The Lived Experience of Food Insecurity in Adelaide, South Australia: Stories of Adversity, Oppression, and the Orthodox and Unorthodox Food Acquisition Strategies Used to Cope

Journal of Hunger & Environmental Nutrition, Journal Year: 2025, Volume and Issue: unknown, P. 1 - 19

Published: April 16, 2025

Language: Английский

---

Payment forms linked to consumer preferences for promotional offers: mediating and moderating factors

International Journal of Bank Marketing, Journal Year: 2025, Volume and Issue: unknown

Published: April 19, 2025

Purpose This research examines the relationship between payment forms (cash vs credit card) and consumer promotional offer preferences (price discounts bonus packs). It also tests indirect effects of different valuations (based on calculating or feeling) this moderating self-constructs individual differences in sensitivity to paying. Design/methodology/approach Three studies were conducted test proposed hypotheses. Study 1 for price packs under cash conditions (i.e. form preference). Based 1, 2 mediating valuation (by calculation that relationship. 3 effect Findings Cash users prefer when primed with a valuation, while card feeling valuation. In addition, we find preference is moderated by self-construct (independent interdependent) paying (tightwads spendthrifts). Research limitations/implications Different methods affect consumers’ processes. Marketing professionals must understand particular formulate right strategy. it necessary future social impact resulting from population fintech use, particularly potential trap young those economically disadvantaged at risk indebtedness due low adoption barrier technology-based cashless forms. Originality/value Rapid innovations have increased choices, influencing their behaviour. However, few examined how processes vary concerning study highlights importance promoting awareness information processing offers theoretical practical implications regarding use

Language: Английский

---

Role of Privacy Concerns and Trust in Consumers’ Intention to Use Buy-Now, Pay-Later (BNPL): An Extended TPB Model

International Journal of Human-Computer Interaction, Journal Year: 2023, Volume and Issue: 40(22), P. 7731 - 7742

Published: Oct. 15, 2023

AbstractPrivacy concerns and trust have recently been proposed as crucial issues in consumers' adoption of online services. Therefore, we used an extended theory planned behavior (TPB) to investigate how privacy influence attitudes toward the Buy Now, Pay Later (BNPL). We also examined mediated role relationship between attitude. An survey was conducted among Indian undergraduate postgraduate students, BNPL is most popular young consumers. found that decrease attitude towards BNPL. Specifically, attitude, subjective norms, perceived emerged significant predictors for intention use A complementary partial mediating concern discovered. That implies users apprehensive about their data's security are less likely provider will safeguard information. However, by increasing trust, users' can be reduced services.Keywords: BNPLprivacy concerntrustattitudesocial normsintention useyoung consumer Disclosure statementNo potential conflict interest reported author(s).Additional informationNotes on contributorsVijay Amrit RajVijay Raj, Assistant Professor, Area Marketing, University Lucknow, India. His research interests include Consumer Behaviour, Organic Food, BNPL, Technology Adoption. has published journals including International Journal Bank Social Responsibility Journal, Quality Assurance Hospitality & Tourism.Sahil Singh JasrotiaSahil Jasrotia, Management Institute, Kolkata, Human-Computer Interaction, Sustainability, Ethics. He Retail Distribution Management, Journal.Siddharth Shankar RaiSiddharth Rai, Trade Logistics, Institute Foreign Kakinada Campus. around 10 years experience teaching, training research. The key areas which he worked operations supply chain management, logistics sustainability, resilience international logistics.

Language: Английский

---

Greening the Path: The Three-Way Interactive Effects of Psychological Ownership, Green Knowledge Sharing, and Social Media

Journal of Quality Assurance in Hospitality & Tourism, Journal Year: 2024, Volume and Issue: unknown, P. 1 - 37

Published: May 17, 2024

This study develops an integrated framework grounded in service-dominant logic theory to examine green destination psychological ownership, customer engagement, knowledge sharing, and social media usage as drivers of electronic word mouth. A multi-wave survey analysis conducted among 507 Vietnamese travelers supported the hypothesized direct effect, mediation, three-way interaction between factors. The results revealed that engagement mediates relationship ownership Additionally, companies' sharing travelers' network proneness strengthen positive influence feelings on subsequently enhancing findings contribute novel insights into marketing effects, with implications for leveraging psychology behaviors promote By fostering feelings, actively sustainability knowledge, understanding habits, tourism organizations can enhance participation initiatives recommendations. advances theoretical practical strategies nurturing outcomes digital age through theory. Further research should investigate additional variables contexts deepen enabling collaborative value creation sustainability.

Language: Английский

---

Investigating the determinants of consumer confidence and online impulse buying intentions: an experimental study

Asia-Pacific Journal of Business Administration, Journal Year: 2024, Volume and Issue: unknown

Published: Oct. 19, 2024

Purpose This study examines the effects of risk reduction, seller reputation, eWOM and warranties on consumer confidence online impulse buying intentions through lens stimulus-organism-response (SOR) model. It also explores role installment options in buying. Design/methodology/approach We performed a between-subjects experiment (installment vs. no-installment option). Data were collected from 199 consumers analyzed using SmartPLS 3.3.9. Findings The results show that warranty positively affect (CC) shopping CC predicts intentions. was found effect stronger when offered an option than option. Practical implications suggest sellers should invest more resources building confidence, which affects Moreover, offer to consumers, thereby reaping Originality/value Employing experimental approach, this makes novel attempt examine fostering among Pakistani consumers. Likewise, is one early studies explore SOR

Language: Английский

---