Research suggests those who use buy-now-pay-later services end up spending more Once, borrowing money to make a purchase was a relatively tedious process, not a spur-of-the-moment thing.

Research suggests those who use buy-now-pay-later services end up spending more phys.org/news/2025-01... #BuyNowPayLater #BNPL #fintech #LipstickEffect #HyperbolicDiscounting #PresentBias