Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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The Rise of Buy Now Pay Later (BNPL) Schemes and their Impact on Youth Debt Perception

Author(s) Muhammed Shahal P, Dr. Deepa Damodaran, Dr. Bhawna Sharma Padroo
Country India
Abstract The burgeoning fintech landscape in India has introduced a diverse array of financial products, prominently featuring "Buy Now Pay Later" (BNPL) schemes. These platforms, offering instant credit for purchases without immediate interest, have rapidly gained traction, particularly among the youth. This research paper aims to explore the impact of BNPL services on the financial behavior of young consumers in India, specifically examining how these schemes influence their perception of debt, spending discipline, and overall financial responsibility. The study will primarily utilize primary data, gathered through a structured survey targeting university students in Mumbai, augmented by insights from relevant industry reports and financial articles. Initial analysis suggests that while BNPL offers convenience and flexibility, it may inadvertently foster an illusion of affordability, potentially leading to increased impulse purchases and a diluted understanding of genuine debt obligations. This research seeks to shed light on both the benefits and potential pitfalls of BNPL adoption within this key demographic, providing valuable insights for financial literacy initiatives and responsible lending practices
Keywords Buy Now Pay Later (BNPL), Youth Finance, Debt Perception, Financial Responsibility, Impulsive Spending, Fintech, India
Field Business Administration
Published In Volume 6, Issue 6, November-December 2025
Published On 2025-11-26
DOI https://doi.org/10.63363/aijfr.2025.v06i06.2256
Short DOI https://doi.org/hbdstb
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