Buy Now Pay Later (bnpl) Adoption Among Youth In Kerala A Behavioural And Financial Perspective

Abstract

Buy Now Pay Later (BNPL) Services Are Transforming Consumer Credit Behaviour, Particularly Among Youth. This Study Examines The Determinants Influencing BNPL Adoption Among Youth In Kerala And Evaluates Its Impact On Spending Behaviour. Using A Structured Questionnaire, Primary Data Were Collected From 250 Respondents And Analysed Using SPSS. The Findings Reveal That Perceived Usefulness, Ease Of Use, And Social Influence Positively Impact BNPL Adoption, While Financial Literacy And Risk Perception Negatively Influence Impulsive Usage. Regression Analysis Shows That BNPL Usage Significantly Predicts Changes In Spending Behaviour. The Study Provides Empirical Insights Into Fintech Adoption In A Regional Context.

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