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September 23, 2025

A Comprehensive Review of Buy Now Pay Later (BNPL) Influence Factors on Young Consumer Spending Behaviour in E-Commerce Platform

Key Points

BNPL services significantly impact spending behavior among young consumers on e-commerce platforms.
Key factors influencing BNPL utilization include psychological, social, financial, and technological aspects.
BNPL poses risks like impulse buying and poor financial management, affecting young consumers' decision-making.
Understanding these factors can help stakeholders mitigate risks and enhance consumer spending strategies.

Abstract

Buy Now Pay Later (BNPL) service has gained significant popularity among young consumers, especially within e-commerce platforms. BNPL is now the top choice among university students and low-income early-career earners due to its convenience, but it also poses risks such as impulse buying and poor financial management. This paper aims to review the influence factors of the BNPL on spending behavior among young consumers in e commerce platforms. The contribution of this paper lies in identification of four main categories of factors influencing BNPL use, which are psychological, social, financial, and technological.

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