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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66802
Volume:
10 |
8 |
Aug 2026
Pages:
1-5
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Department of Commerce
Dr. N.G.P. Arts and Science College
Department of Commerce
Dr. N.G.P. Arts and Science College
Buy Now, Pay Later (BNPL) has become an important payment option in online shopping. Unlike credit and debit cards, BNPL allows customers to divide their purchase cost into fixed instalments, usually without interest during the repayment period. This study examines how BNPL adoption affects customers’ online purchase behaviour. The findings show that customers using BNPL spend 6.42% more online than customers who do not use BNPL. The increase in spending is mainly related to low-priced products. The study also finds that age and income influence the relationship between BNPL adoption and online spending. Younger customers and those with lower incomes show a greater increase in spending after adopting BNPL. Customer loyalty has the least influence on this relationship. These findings are useful for online retailers, payment providers, financial institutions, and regulators in understanding how BNPL affects customer spending behaviour.
KEYWORDS
The growth of digital payments has changed how people conduct financial transactions by providing greater convenience, accessibility, and speed. Advances in technology, fintech services, government support, and changing consumer needs have increased digital payment usage. However, these systems also influence consumer behaviour, including spending patterns, saving habits, and financial decisions. Factors such as trust, security, digital literacy, and financial awareness affect how consumers use digital payments. Therefore, it is important to understand both the benefits and risks of digital transactions. Consumer education, proper regulation, and greater awareness can help reduce overspending, fraud, and misuse while supporting safe and sustainable digital payment growth.
1. Harris, D., & Mitchell, S. (2018). Retail financing innovations and installments payment adoption in e-commerce. 2. Smith, A., & Anderson, L. (2019). Installments based digital payments and online consumer spending behaviour 3. Johnson, M., Nguyen, T., & Lee, K. (2020). Alternative digital credit adoption and online purchasing behaviour. Journal of Financial Services Marketing. 4. Oliveira, T., & Dias, J. (2021). Trust and perceived risk in fintech payment adoption: Evidence from installments based payment systems. 5. Hernandez, P., & Scott, R. (2022). Deferred payment services and online retail spending behaviour.
Publication Date
8/17/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
Funding Information
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