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: While BNPL makes the initial purchase easier, it is frequently linked to indirect measures of regret, such as increased financial stress and decreased overall well-being as payments come due. Recommended Academic Papers For deeper reading, you can access these specific studies:

: By dividing a total cost into smaller monthly installments, consumers perceive the price as more "trivial" or manageable, which reduces cognitive resistance to spending. buy clothes online pay monthly

: 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 . : While BNPL makes the initial purchase easier,

: A summary of large-scale research involving 275,000 consumers, originally published in the Journal of Marketing . buy clothes online pay monthly