Advanced International Journal for Research

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

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Volume 7 Issue 5
September-October 2026

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Is BNPL usage associates with impulsive buying behaviour among genz

Author(s) Vishesh Pratap Singh
Country India
Abstract Buy Now, Pay Later (BNPL) has become an increasingly prominent form of embedded consumer credit, particularly within digital commerce. While existing research indicates that BNPL can increase spending and influence purchase decisions, higher spending should not automatically be interpreted as impulsive buying. This study examines whether BNPL usage is associated with impulsive buying behaviour among Generation Z consumers aged 18–24, while investigating the psychological mechanisms and individual characteristics that may shape this relationship. The proposed framework positions perceived affordability as a potential mediator and financial self-control as a potential moderator, while treating financial literacy as a distinct explanatory characteristic. The study adopts a deductive, quantitative, cross-sectional survey design targeting BNPL users aged 18–24. BNPL usage, impulsive buying behaviour, perceived affordability, financial self-control, financial literacy, and relevant demographic and financial controls will be measured through a structured questionnaire. The analytical strategy includes descriptive statistics, reliability and validity assessment, correlation analysis, hierarchical multiple regression, moderation analysis, and mediation analysis using bootstrap confidence intervals. Existing transaction-level, experimental, and Gen-Z studies provide empirical benchmarks for the proposed relationships, but the present study deliberately avoids causal claims because of its cross-sectional design. The research aims to clarify when and under what consumer conditions BNPL may be associated with less deliberative purchasing, contributing to the behavioural-finance literature and offering implications for consumers, merchants, BNPL providers, and policymakers.
Field Business Administration
Published In Volume 7, Issue 5, September-October 2026
Published On 2026-10-02
DOI https://doi.org/10.63363/aijfr.2026.v07i05.7536
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