bei Google ScholarTitelangaben
Dehghani, Milad Armani ; Rese, Alexandra ; Karavidas, Dionysios ; Chotisarn, Noptanit ; Dwivedi, Yogesh K.:
Beyond buy now pay later adoption across markets : Consumer choices and
the emergence of save now buy later.
In: Journal of Retailing and Consumer Services.
Bd. 93
(2026)
.
- 104961.
ISSN 0969-6989
DOI: https://doi.org/10.1016/j.jretconser.2026.104961
Abstract
Buy Now, Pay Later (BNPL) has emerged as a prominent digital credit mechanism in retail payments, allowing consumers to purchase immediately while deferring payment. While its convenience and flexible repayment options have accelerated adoption, concerns remain regarding impulsive spending, privacy, and potential indebtedness, particularly among younger consumers. This study investigates BNPL adoption through a dual-level, cross-country approach. At the macro level, we analyze how economic and regulatory conditions influence BNPL market share across 34 countries. At the micro level, we examine how individual traits, such as impulsivity and technological affinity, interact with perceptions of payment attributes to shape consumer choice. The micro-level analysis is based on a survey-based experiment with 521 participants conducted in Germany, Thailand, and the United Kingdom. Results show that BNPL adoption is jointly influenced by macroeconomic conditions and individual payment evaluations, with notable cross-country differences.
Weitere Angaben
| Publikationsform: | Artikel in einer Zeitschrift |
|---|---|
| Begutachteter Beitrag: | Ja |
| Keywords: | Buy now; Pay later; Cross-country analysis; Macro-level analysis; Micro-level analysis; Personal traits; Payment characteristics; Choice experiment |
| Institutionen der Universität: | Fakultäten > Rechts- und Wirtschaftswissenschaftliche Fakultät > Fachgruppe Betriebswirtschaftslehre > Lehrstuhl Betriebswirtschaftslehre XIV - Marketing und Innovation > Lehrstuhl Betriebswirtschaftslehre XIV - Marketing und Innovation - Univ.-Prof. Dr. Daniel Baier |
| Titel an der UBT entstanden: | Ja |
| Themengebiete aus DDC: | 300 Sozialwissenschaften > 330 Wirtschaft |
| Eingestellt am: | 08 Jul 2026 06:51 |
| Letzte Änderung: | 08 Jul 2026 06:51 |
| URI: | https://eref.uni-bayreuth.de/id/eprint/98991 |