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: The growth of these services is primarily driven by younger and low-income consumers . Research indicates that roughly 44% of BNPL users are between 18–30 years old .

: A 2026 review in Journal of Theoretical and Applied Electronic Commerce Research exploring the link between installment plans and impulsive consumption. buy clothes online pay monthly

: A study published in the Journal of Marketing found that BNPL adoption led to a 10% increase in basket sizes on average. Financially constrained shoppers, often those reliant on credit cards, saw an even larger 14% increase . : The growth of these services is primarily

: A summary of large-scale research involving 275,000 consumers, originally published in the Journal of Marketing . often those reliant on credit cards