The Influence of Discounts, Financial Literacy, Perceived Convenience, and Perceived Risk on Consumer Consumptive Behavior through the BNPL Payment Method as A Mediating Variable

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Discussion

Quantitative analysis reveals how discounts and perceived convenience affect consumer behavior in BNPL and credit card users.

Discounts and perceived convenience significantly influence consumer behavior through the BNPL payment method.
Financial literacy and perceived risk notably affect pay later users but not credit card users.
Partial Least Squares-Structural Equation Modeling techniques were used for data analysis.
The study highlights the importance of understanding BNPL's role as a mediating variable in consumer decisions.

Iswandaru et al. (2025) studied this question.

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