Buy Now, Think Later? A Conceptual Take on Malaysian BNPL Choices

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Conceptual analysis reveals effects of financial knowledge and impulsivity on BNPL attitudes in Malaysia.

BNPL schemes significantly influence consumer spending behaviors, particularly among Gen-Z and millennials.
Increased adoption of BNPL has fostered a 'buy now, think later' mindset in Malaysian consumers.
A quantitative approach examines how financial knowledge and impulsivity shape attitudes towards BNPL.
Results will guide policymakers and financial institutions in promoting responsible BNPL use among young consumers.

Alias et al. (2025) studied this question.

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