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To make buy-now-pay-later fair for consumers, regulators need to understand why shoppers use it

  • Written by Anita Lifen Zhao, Associate Professor of Marketing at the School of Management, Swansea University
To make buy-now-pay-later fair for consumers, regulators need to understand why shoppers use itfornStudio/Shutterstock

Many consumers – especially gen Z and millennials – use buy-now-pay-later (BNPL) to split or defer payments. The types of purchases made with BNPL can range from groceries and takeaway deliveries to luxury items.

Nearly 40% of regular BNPL users consider shopping a leisure activity. Easily accessing such credit...

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