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Understanding the psychological determinants of buy-now-pay-later (BNPL) in the UK: a user perspective
16 references·9 citing·50 second hop
Understanding the psychological determinants of buy-now-pay-later (BNPL) in the UK: a user perspective (2023)Understanding the psychological determina…Buy now, pay later (BNPL) ...on your credit card (2023)Buy now, pay later (BNPL) ...…How mindfulness reduces BNPL usage and how that relates to overall well-being (2022)How mindfulness reduces BNPL …Click to Buy: The Impact of Retail Credit on Over-Consumption in the Online Environment (2020)Click to Buy: The Impact of R…Catch them young: Impact of financial socialization, financial literacy and attitude towards money on financial well‐being of young adults (2020)Catch them young: Impact of f…The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay (2019)The effect of credit card ver…Personal factors as antecedents of perceived financial well-being: evidence from Brazil (2019)Personal factors as anteceden…Enjoyment and social influence: predicting mobile payment adoption (2015)Enjoyment and social influenc…“Paper or Plastic?”: How We Pay Influences Post-Transaction Connection (2015)“Paper or Plastic?”: How We P…The Bottom Dollar Effect: The Influence of Spending to Zero on Pain of Payment and Satisfaction (2014)The Bottom Dollar Effect: The…Doing Template Analysis (2012)Doing Template AnalysisDo Payment Mechanisms Change the Way Consumers Perceive Products? (2012)Do Payment Mechanisms Change …Construal-level theory of psychological distance. (2010)Construal-level theory of psy…The Effect of Payment Transparency on Consumption: Quasi-Experiments from the Field (2003)The Effect of Payment Transpa…The Red and the Black: Mental Accounting of Savings and Debt (1998)The Red and the Black: Mental…Payment Depreciation: the Behavioral Effects of Temporally Separating Payments From Consumption (1998)Payment Depreciation: the Beh…Engendering Infidelity: Essentialist and Social Constructionist Readings of a Story Completion Task (1995)Engendering Infidelity: Essen…Exploring the influence of financial self-efficacy and facilitating conditions on intentions and actual borrowing in buy now, pay later services (2025)Exploring the influence of fi…Understanding the intricacies of risky indebtedness, impulse buying and perceived risk in buy-now-pay-later adoption (2024)Understanding the intricacies…Role of perceived risks and perceived benefits on consumers behavioural intention to use Buy-Now, Pay-Later (BNPL) services (2024)Role of perceived risks and p…Mobile payment, financial behavior and financial anxiety: a multi-group structural equation modeling study (2024)Mobile payment, financial beh…Investigating the determinants of consumer confidence and online impulse buying intentions: an experimental study (2024)Investigating the determinant…Intention to use buy-now-pay-later payment system among university students: a combination of financial parenting, financial self-efficacy, and social media intensity (2024)Intention to use buy-now-pay-…Exploring the Cascade: How Buy-Now-Pay-Later Platforms Fuel Impulse Buying Tendency and the Subsequent Impact on Sustainability (2024)Exploring the Cascade: How Bu…Beyond credit cards: A TEP perspective on buy-now-pay-later adoption (2024)Beyond credit cards: A TEP pe…Role of Privacy Concerns and Trust in Consumers’ Intention to Use Buy-Now, Pay-Later (BNPL): An Extended TPB Model (2023)Role of Privacy Concerns and …Evaluating Structural Equation Models with Unobservable Variables and Measurement Error (1981)Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology (1989)The theory of planned behavior (1991)Limitations to the rapid adoption of M-payment services: Understanding the impact of privacy risk on M-Payment services (2017)The battle of Brain vs. Heart: A literature review and meta-analysis of “hedonic motivation” use in UTAUT2 (2019)Consumer Acceptance and Use of Information Technology: A Meta-Analytic Evaluation of UTAUT2 (2020)The Psychology of Windfall Gains (1994)The Theoretical Underpinnings of Customer Asset Management: A Framework and Propositions for Future Research (2004)Paying Too Much and Being Happy about It: Existence, Causes, and Consequences of Tariff-Choice Biases (2006)Toward a Theory of Behavioral Operations (2008)Toward a positive theory of consumer choice (1980)Mental Accounting and Consumer Choice (1985)Loss Aversion in Riskless Choice: A Reference-Dependent Model (1991)Emotions in Economic Theory and Economic Behavior (2000)Projection Bias in Predicting Future Utility (2003)Paying Not to Go to the Gym (2006)Politeness : Some Universals in Language Usage (1987)Prospect theory: An analysis of decision under risk (1988)Universals in the Content and Structure of Values: Theoretical Advances and Empirical Tests in 20 Countries (1992)Choice overload: A conceptual review and meta‐analysis (2014)The behavioralist as tax collector: Using natural field experiments to enhance tax compliance (2017)Risk perceptions of COVID-19 around the world (2020)Always Leave Home Without It: A Further Investigation of the Credit-Card Effect on Willingness to Pay (2001)Effects of Payment Mechanism on Spending Behavior: The Role of Rehearsal and Immediacy of Payments (2001)Debit or credit? (2008)Access to Finance (2010)Adding Asymmetrically Dominated Alternatives: Violations of Regularity and the Similarity Hypothesis (1982)Choice Based on Reasons: The Case of Attraction and Compromise Effects (1989)Savings in Transnational Households: A Field Experiment among Migrants from El Salvador (2014)Money priming can change people’s thoughts, feelings, motivations, and behaviors: An update on 10 years of experiments. (2015)Self-Reports in Organizational Research: Problems and Prospects (1986)Cutoff criteria for fit indexes in covariance structure analysis: Conventional criteria versus new alternatives (1999)Talking money at home: the value of family financial socialization (2020)Women’s financial well‐being: A systematic literature review and directions for future research (2021)Consumer well‐being—A systematic literature review and research agenda using TCCM framework (2023)User Acceptance of Computer Technology: A Comparison of Two Theoretical Models (1989)Atmospheric Effects on Shopping Behavior (2000)Value-based Adoption of Mobile Internet: An empirical investigation (2005)The Evolving Research of Customer Adoption of Digital Payment: Learning from Content and Statistical Analysis of the Literature (2021)Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies (2022)Generative artificial intelligence (GenAI) revolution: A deep dive into GenAI adoption (2025)Subjective well-being: The science of happiness and a proposal for a national index. (2000)Household Finance (2006)The Economic Importance of Financial Literacy: Theory and Evidence (2014)Psychological beliefs and financial well-being among working adults: the mediating role of financial behaviour (2021)Well‐being of higher education consumers: A review and research agenda (2022)Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends (2023)Who is ‘the middle manager’? (2014)The multiple meanings of open government data: Understanding different stakeholders and their perspectives (2015)From “It Has Stopped Our Lives” to “Spending More Time Together Has Strengthened Bonds”: The Varied Experiences of Australian Families During COVID-19 (2020)
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References

  • 2010Construal-level theory of psychological distance.6,611 cited
  • 1998The Red and the Black: Mental Accounting of Savings and Debt1,376 cited
  • 2012Doing Template Analysis987 cited
  • 2015Enjoyment and social influence: predicting mobile payment adoption414 cited
  • 1998Payment Depreciation: the Behavioral Effects of Temporally Separating Payments From Consumption349 cited
  • 2003The Effect of Payment Transparency on Consumption: Quasi-Experiments from the Field217 cited
  • 2019The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay203 cited
  • 2012Do Payment Mechanisms Change the Way Consumers Perceive Products?178 cited
  • 2020Catch them young: Impact of financial socialization, financial literacy and attitude towards money on financial well‐being of young adults163 cited
  • 2019Personal factors as antecedents of perceived financial well-being: evidence from Brazil135 cited
  • 1995Engendering Infidelity: Essentialist and Social Constructionist Readings of a Story Completion Task120 cited
  • 2015“Paper or Plastic?”: How We Pay Influences Post-Transaction Connection117 cited
  • 2022How mindfulness reduces BNPL usage and how that relates to overall well-being105 cited
  • 2020Click to Buy: The Impact of Retail Credit on Over-Consumption in the Online Environment

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95 cited
  • 2023Buy now, pay later (BNPL) ...on your credit card92 cited
  • 2014The Bottom Dollar Effect: The Influence of Spending to Zero on Pain of Payment and Satisfaction86 cited
  • Cited by

    • 2024Role of perceived risks and perceived benefits on consumers behavioural intention to use Buy-Now, Pay-Later (BNPL) services40 cited
    • 2023Role of Privacy Concerns and Trust in Consumers’ Intention to Use Buy-Now, Pay-Later (BNPL): An Extended TPB Model37 cited
    • 2024Understanding the intricacies of risky indebtedness, impulse buying and perceived risk in buy-now-pay-later adoption32 cited
    • 2024Intention to use buy-now-pay-later payment system among university students: a combination of financial parenting, financial self-efficacy, and social media intensity28 cited
    • 2024Mobile payment, financial behavior and financial anxiety: a multi-group structural equation modeling study24 cited
    • 2024Beyond credit cards: A TEP perspective on buy-now-pay-later adoption17 cited
    • 2024Exploring the Cascade: How Buy-Now-Pay-Later Platforms Fuel Impulse Buying Tendency and the Subsequent Impact on Sustainability16 cited
    • 2025Exploring the influence of financial self-efficacy and facilitating conditions on intentions and actual borrowing in buy now, pay later services15 cited
    • 2024Investigating the determinants of consumer confidence and online impulse buying intentions: an experimental study15 cited