A Comprehensive Review of Buy Now Pay Later (BNPL) Influence Factors on Young Consumer Spending Behaviour in E-Commerce Platform

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BNPL services encourage spending among young consumers, leading to concerns over financial management and impulse buying.
The review identifies psychological, social, financial, and technological factors impacting bnpl use among young shoppers.
With its increasing popularity, bnpl presents risks like overspending, especially for low-income individuals starting their careers.
Understanding these factors can help businesses and policymakers enhance responsible usage of bnpl offerings in e-commerce.

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Comprehensive review explores how bnpl services impact spending behavior in young consumers, highlighting psychological and financial factors.

Hisham et al. (2025) studied this question.

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Comprehensive review explores how bnpl services impact spending behavior in young consumers, highlighting psychological and financial factors.