Authors: Ishita Deb, Anindito Bhattacharya, Dr. Dinesh A. Dinesh , Samarpita Roy
Abstract: Purpose – This study examines the impact of Buy Now, Pay Later (BNPL) services on the financial discipline of young adults across Indian states, focusing on impulse buying behaviour and saving habits. Design/methodology/approach – A quantitative research design was employed using primary data collected through a structured questionnaire from 200 respondents aged 18–30 years. Statistical techniques including descriptive analysis, reliability testing, correlation, and regression were applied using Jamovi. Findings – The results indicate that BNPL usage significantly increases impulse buying behaviour and negatively affects saving habits. Peer influence and social media exposure play a significant role in shaping BNPL adoption and usage intensity. Research limitations/implications – The study is limited to a convenience sample and focuses on young adults. Future research may incorporate longitudinal designs, probability sampling, and broader demographic segments. Practical implications – The findings highlight the need for financial literacy initiatives, responsible lending practices, and regulatory oversight in digital credit ecosystems. Originality/value – This study contributes to the emerging literature on BNPL in India by integrating behavioural finance perspectives with socio-cultural drivers in a multi-state context.
DOI: https://doi.org/0.5281/zenodo.20665317
