Scholarlink

<p>The present study aims to examine the determinants of retail consumers’ behavioral intention (CBI) towards buy-now-pay-later (BNPL) usages for buying goods and services based on their experiences with BNPL payment schemes using the extended technology acceptance model (TAM) with BNPL knowledge, social influence, and trust. Using purposive sampling, data were collected from consumers who were using BNPL payment schemes to meet their financial needs for buying goods and services. Variance-based structural equation modeling (VB-SEM) has been employed to measure the research hypotheses. The findings show that attitude has emerged as the most influential factor in forming retail consumers’ behavioral intention (CBI) toward continuous usage of BNPL payment schemes in the future, followed by BNPL knowledge, trust, and social influence. Secondly, the result reveals that consumers’ perceived usefulness (PU) of BNPL payment schemes emerged as the most influential determinant of their attitude towards usage of BNPL compared to perceived ease of use (PEOU). This empirical study is a pioneering investigation in Fintech, i.e., BNPL payment schemes, which examines and validates the extended technology acceptance model (TAM) with the constructs, i.e., consumers’ BNPL knowledge, social influence, and trust, in a comprehensive research framework for predicting retail CBI toward continuous usage of BNPL payment schemes. Besides this, the present study provides considerable theoretical contributions, managerial, regulatory, and societal implications for BNPL service providers and financial regulators, respectively, by understanding the leading factors influencing retail consumers’ attitude and behavioral intention towards the use of BNPL payment schemes to accomplish their financial requirements for buying goods and services.</p>

错误：搜索内容不能为空，请输入英文关键词
错误：关键词超出字数限制，请精简
高级检索

What influences retail consumers’ behavioral intention toward Fintech (Buy-Now-Pay-Later) usages?

  • 期刊论文

  • 发表日期：

    2026年7月10日

查看全文
  • Pankaj Kumar,
  • Mahender Yadav,
  • Pardeep Ahlawat,
  • Sapna Rana,
  • Manisha Saini,
  • Vinay Sharma

摘要

The present study aims to examine the determinants of retail consumers’ behavioral intention (CBI) towards buy-now-pay-later (BNPL) usages for buying goods and services based on their experiences with BNPL payment schemes using the extended technology acceptance model (TAM) with BNPL knowledge, social influence, and trust. Using purposive sampling, data were collected from consumers who were using BNPL payment schemes to meet their financial needs for buying goods and services. Variance-based structural equation modeling (VB-SEM) has been employed to measure the research hypotheses. The findings show that attitude has emerged as the most influential factor in forming retail consumers’ behavioral intention (CBI) toward continuous usage of BNPL payment schemes in the future, followed by BNPL knowledge, trust, and social influence. Secondly, the result reveals that consumers’ perceived usefulness (PU) of BNPL payment schemes emerged as the most influential determinant of their attitude towards usage of BNPL compared to perceived ease of use (PEOU). This empirical study is a pioneering investigation in Fintech, i.e., BNPL payment schemes, which examines and validates the extended technology acceptance model (TAM) with the constructs, i.e., consumers’ BNPL knowledge, social influence, and trust, in a comprehensive research framework for predicting retail CBI toward continuous usage of BNPL payment schemes. Besides this, the present study provides considerable theoretical contributions, managerial, regulatory, and societal implications for BNPL service providers and financial regulators, respectively, by understanding the leading factors influencing retail consumers’ attitude and behavioral intention towards the use of BNPL payment schemes to accomplish their financial requirements for buying goods and services.