October 3, 2025

The Impact of Buy-Now-Pay-Later use frequency on Social Media Shopping, Luxury Consumption and Consumer Indebtedness

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Observational analysis shows BNPL use frequency predicts social media shopping and consumer debt, suggesting further research is needed.

Frequency of BNPL use is positively related to social media purchasing, increasing impulsive spending among consumers.
In a survey of 7,371 respondents, findings indicate significant relationships between BNPL usage and consumer indebtedness.
The analysis revealed both direct and indirect effects of BNPL on luxury consumption, hinting at broader consumer behavior implications.
Moderate effect sizes suggest a need for additional studies to explore the long-term impacts of BNPL on purchasing patterns and debts.

Leslie-Piper et al. (2025) studied this question.

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