: This Harvard Business School/NBER working paper provides an early look into the US market by linking BNPL activity with bank and credit card data to see how it impacts broader spending and financial health.
For insights into the Buy Now, Pay Later (BNPL) market and Zip specifically, the following papers and reports offer comprehensive analysis of consumer behavior, market dynamics, and regulatory shifts: BGNPLBzip
: Analyzes the risks of "data harvesting" and "deceptive designs" in BNPL apps that lead consumers to overspend. : This Harvard Business School/NBER working paper provides