Shubham Vilasrao Patil

How "Buy Now, Pay Later" Changes the Psychology of Spending" A Conceptual/Comparative Analysis of BNPL and the Traditional Credit Card

Abstract Buy now, pay later (BNPL) is typically described as either a harmless budgeting tool or a repackaged form of consumer debt. Neither framing explains why a product that charges no interest and divides a purchase into four small instalments has produced spending increases,...

How "Buy Now, Pay Later" Changes the Psychology of Spending" A Conceptual/Comparative Analysis of BNPL and the Traditional Credit Card

Abstract Buy now, pay later (BNPL) is typically described as either a harmless budgeting tool or a repackaged form of consumer debt. Neither framing explains why a product that charges no interest and divides a purchase into four small instalments has produced spending increases,...