IMPACT OF BUY NOW PAY LATER (BNPL) SERVICES IN ONLINE SHOPPING ON CONSUMER BEHAVIOUR IN DELHI NCR DOI
Namrata Singh, Sanjeev P. Sahni

ShodhKosh Journal of Visual and Performing Arts, Год журнала: 2024, Номер 5(4)

Опубликована: Апрель 30, 2024

The digital shopping market received a transformation from new (BNPL) services which introduced payment deferral options to consumers. Research evaluates consumer behavior as consumers use BNPL methods while examining both purchasing habits along with their financial choices and identified hazards. initial research demonstrates how promote elevated spending spontaneous purchases mainly among youth customers. ease of comes the risk difficulties because customers need proper management. findings enable deeper comprehension advantages disadvantages thus generating resourceful information for customer segments retail entities policy authorities. Solid patterns requires attention policymakers create protection that enables innovative options. study’s comprehensive evaluation impacts provides essential knowledge helps users practice responsible usage strategic business development effective development.

Язык: Английский

Determinants of ChatGPT Use and its Impact on Learning Performance: An Integrated Model of BRT and TPB DOI
Noor Al-Qaysi, Mostafa Al‐Emran, Mohammed A. Al‐Sharafi

и другие.

International Journal of Human-Computer Interaction, Год журнала: 2024, Номер unknown, С. 1 - 13

Опубликована: Июнь 7, 2024

The rapid emergence of Generative Artificial Intelligence (GAI) heralds a significant shift, opening new frontiers in how education is delivered. This groundbreaking wave technological advancement poised to redefine traditional learning, promising enhance the educational landscape with unprecedented levels personalized learning and accessibility. Despite GAI's progressive infiltration into various strata, limited empirical research exists on its impact students' performance. Drawing Theory Planned Behavior (TPB) Behavioral Reasoning (BRT), this study investigates determinants affecting use ChatGPT influence data were collected from 357 university students analyzed using PLS-SEM technique. results supported role positively In addition, showed that reasons for against adoption are pivotal shaping attitudes. found be significantly affected by attitudes, subjective norms, perceived behavioral control. Besides theoretical contributions, findings offer implications stakeholders underscore necessity institutions foster conducive environment GAI adoption, addressing ethical technical concerns optimize experiences.

Язык: Английский

Процитировано

17
Role of perceived risks and perceived benefits on consumers behavioural intention to use Buy-Now, Pay-Later (BNPL) services DOI
Vijay Amrit Raj, Sahil Singh Jasrotia, Siddharth Shankar

и другие.

Journal of Facilities Management, Год журнала: 2024, Номер unknown

Опубликована: Фев. 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.

Язык: Английский

Процитировано

9
Understanding the intricacies of risky indebtedness, impulse buying and perceived risk in buy-now-pay-later adoption DOI

S. Dinesh Kumar,

Jogendra Kumar Nayak

Asia Pacific Journal of Marketing and Logistics, Год журнала: 2024, Номер 36(7), С. 1697 - 1716

Опубликована: Янв. 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

Язык: Английский

Процитировано

5
Sustainable Development through Fintech: Understanding the Adoption of Buy Now Pay Later (BNPL) Applications by Generation Z in Saudi Arabia DOI Open Access
Salma S. Abed, Rotana S. Alkadi

Sustainability, Год журнала: 2024, Номер 16(15), С. 6368 - 6368

Опубликована: Июль 25, 2024

Sustainable development has emerged as a paramount priority globally, with the fintech services playing crucial role in achieving these goals. Although previous research explored consumer perceptions of novel services, including Buy Now Pay Later (BNPL) applications, there remains knowledge gap regarding factors influencing adoption among young consumers. This study addresses this limitation by investigating determinants BNPL app usage Saudi Arabian Generation Z consumers, integrating Unified Theory Acceptance and Use Technology DeLone McLean’s Information Systems Success model. A survey 380 consumers from was conducted, their responses were analyzed using structural equation modeling. The findings reveal that performance expectancy, effort social influence positively impact intention to continue apps. Furthermore, system quality, service information quality exhibit significant correlations satisfaction within IS study’s outcomes are expected inform developers designing effective apps engage digital-native provide policymakers insights enhance services. contributes significantly existing body on adoption, intentions, satisfaction.

Язык: Английский

Процитировано

3
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

и другие.

Cogent Social Sciences, Год журнала: 2025, Номер 11(1)

Опубликована: Март 21, 2025

Язык: Английский

Процитировано

0
Why stay loyal? Exploring the role of consumption values, satisfaction, and alternative attractiveness in buy now pay later services DOI
Vijay Amrit Raj, Alok Kumar

Journal of Financial Services Marketing, Год журнала: 2025, Номер 30(2)

Опубликована: Апрель 17, 2025

Язык: Английский

Процитировано

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

и другие.

International Journal of Bank Marketing, Год журнала: 2025, Номер unknown

Опубликована: Май 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.

Язык: Английский

Процитировано

0
Factors Influencing the Use of Buy Now Pay Later (BNPL) Payments DOI Creative Commons
Krzysztof Waliszewski, Małgorzata Solarz, Jakub Kubiczek

и другие.

Contemporary Economics, Год журнала: 2024, Номер 18(4), С. 444 - 457

Опубликована: Дек. 31, 2024

This article focuses on the fastest-growing consumer credit segment usually associated with e-commerce, but increasingly offered for brick-and-mortar shopping too.The purpose of study was to identify how, and extent which, specific aspects behaviour -particularly in terms attitudes towards money management, socio-demographics -influence use BNPL.The reasons are socio-demographic, economic, psychological technological.The incorporates a broad literature review motives behind consumers' BNPL as well an original empirical survey among representative sample Poles, conducted using CAWI technique.The impact strength individual factors choosing were identified via logistic regression model.The statistical significance selected variables then evaluated, followed by elimination non-significant from model.It helped select statistically significant BNPL.Among 7 variables, 3 relate socio-demographic features respondents -level education, income gender.Personal innovativeness, inclination going into debt, family history taking various loans slightly increase probability opting BNPL.It had been presumed that propensity save would have negative effect, optimism positive influence, BNPL; however, this presumption not demonstrated.Nor do consumerism impulsiveness making purchases affect likelihood BNPL.Of all underlying decisions choose BNPL, consumer's LendTech has greatest impact, increasing chance BNPL.This suggests similar consumers constitute these two segments.LendTech (lending technology) is defined part FinTech (financial sector, which concerns granting digital nonbank lending institutions remote channels (Waliszewski et al, 2024). Factors Influencing Use Buy Now Pay Later (BNPL) Payments

Язык: Английский

Процитировано

2
Unlocking paylater preferences: exploring gen z’s trust dynamics in Indonesia and Malaysia DOI Creative Commons

Anindya Prasetyani,

Martina Dwi Mustika, Bertina Sjabadhyni

и другие.

Cogent Psychology, Год журнала: 2024, Номер 11(1)

Опубликована: Май 15, 2024

These days, paylater, the most well-known alternative credit option in e-commerce, is widely accessible. This research examines evolving landscape of paylater preferences among Generation Z Indonesia and Malaysia. The study employs quantitative methodology using a nonexperimental design that measures effect perceived ease use, usefulness, trust on intention to use paylater. presents two studies. Study 1 had 500 participants from who were non-paylater users. results revealed usefulness positively affect paylater; however, has negative 2 165 Malaysia also similar those 1. That is, have positive Paylater, but contributes existing literature consumer behaviour financial technology adoption by providing insight into dynamics related

Язык: Английский

Процитировано

1
How Buy Now, Pay Later (BNPL) is Shaping Gen Z's Spending Spree in Malaysia DOI Creative Commons
Ismah Osman,

Nur Afizah Muhamad Ariffin,

Muhammad Farhan Naim Bin Mohd Yuraimie

и другие.

Information Management and Business Review, Год журнала: 2024, Номер 16(3(I)S), С. 657 - 674

Опубликована: Окт. 5, 2024

This study seeks to examine the determinants that impact inclination utilize Buy Now, Pay Later (BNPL) services, with an emphasis on perspective of Generation Z. The examines relationships between materialism, money management skills, self-efficacy, attitude, subjective norm, perceived behavioral control, and moral obligation in determining intention adopt BNPL. It utilizes a quantitative approach descriptive research style. Questionnaires were distributed Gen Z demographic, total 440 responses collected using Google Forms. data gathered through comprehensive field research, which involved online survey, later examined SmartPLS 4.0. findings highlight significance abilities, self-confidence, influencing utilization outcomes are highly significant for both advancing theoretical understanding improving practical operations BNPL providers. facilitates elements propensity BNPL, particularly from Although acknowledging limitations targeting only Gen-Z, offers interesting insights recommendations service

Язык: Английский

Процитировано

0