Exploring the influence of financial self-efficacy and facilitating conditions on intentions and actual borrowing in buy now, pay later services DOI
Naomy Nasambu Simiyu,

Santhosh Kumar,

Regina Babu Kivuyo

et al.

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

Published: May 9, 2025

Purpose This study examines the influence of financial self-efficacy (FSE) and facilitating conditions (FC), along with other variables, on use Buy Now, Pay Later (BNPL) credit services. The focus is understanding how these factors, including perceived usefulness (PU) social (SI), borrower intentions (BI) actual borrowing usage (USE) within BNPL domain. Design/methodology/approach A quantitative research approach was employed, using purposive sampling to gather data from 388 valid participants across India. were collected through an online survey, analysis performed Smart PLS 4 SPSS Hayes PROCESS Macro. Findings results reveal significant relationships between PU, SI, FC, FSE BI in context has a positive partially mediates relationship FC BI. On hand, had least impact BI, but it significantly influences slightly moderates USE. In addition, slight variations observed different age gender groups. Originality/value advances by identifying nonlinear threshold effect usage, challenging assumption linear behaviour relationship. It introduces as mediator emphasizing importance confidence decision-making. this redefines short-term service rather than merely payment tool, highlighting its inclusion regulatory implications.

Language: Английский

Buy Now, Pay Later Practices in the GCC Market: Key Lessons DOI

Lilia Smida,

Amira Kaddour,

Sarah Almshafi

et al.

Published: Jan. 1, 2025

Language: Английский

Citations

1
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 DOI Creative Commons
Agoestina Mappadang, Hendryadi Hendryadi, Harsono Yoewono

et al.

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

Published: March 21, 2025

Language: Английский

Citations

0
Exploring the influence of financial self-efficacy and facilitating conditions on intentions and actual borrowing in buy now, pay later services DOI
Naomy Nasambu Simiyu,

Santhosh Kumar,

Regina Babu Kivuyo

et al.

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

Published: May 9, 2025

Purpose This study examines the influence of financial self-efficacy (FSE) and facilitating conditions (FC), along with other variables, on use Buy Now, Pay Later (BNPL) credit services. The focus is understanding how these factors, including perceived usefulness (PU) social (SI), borrower intentions (BI) actual borrowing usage (USE) within BNPL domain. Design/methodology/approach A quantitative research approach was employed, using purposive sampling to gather data from 388 valid participants across India. were collected through an online survey, analysis performed Smart PLS 4 SPSS Hayes PROCESS Macro. Findings results reveal significant relationships between PU, SI, FC, FSE BI in context has a positive partially mediates relationship FC BI. On hand, had least impact BI, but it significantly influences slightly moderates USE. In addition, slight variations observed different age gender groups. Originality/value advances by identifying nonlinear threshold effect usage, challenging assumption linear behaviour relationship. It introduces as mediator emphasizing importance confidence decision-making. this redefines short-term service rather than merely payment tool, highlighting its inclusion regulatory implications.

Language: Английский

Citations

0