"Swipe Now, Worry Later"- Unpacking the Factors Driving BNPL Adoption: A scoping review perspective

Noor Azila Mohd Zaid; Asma’ Rashidah Idris; Salwa Muda; Nurain Farahana Zainal Abidin

doi:10.21834/e-bpj.v10iSI28.6959

Authors

Noor Azila Mohd Zaid Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Negeri Sembilan, Kampus Rembau, Malaysia
Asma’ Rashidah Idris Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Negeri Sembilan, Kampus Rembau, Malaysia
Salwa Muda Faculty of Accountancy, Universiti Teknologi MARA, Cawangan Negeri Sembilan, Kampus Seremban, Malaysia
Nurain Farahana Zainal Abidin Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Negeri Sembilan, Kampus Rembau, Malaysia

DOI:

https://doi.org/10.21834/e-bpj.v10iSI28.6959

Keywords:

BNPL, Buy-Now-Pay-Later, Deferred Payment, Fintech Credit Payment

Abstract

The rapid expansion of Buy Now, Pay Later (BNPL) services has reshaped consumer finance, raising concerns about the drivers of its adoption and the potential risks. This scoping review systematically examines the factors influencing BNPL adoption, providing a comprehensive overview of the existing literature on the subject. This study investigated the four main factors: social influence, perceived usefulness, attitudes, and subjective norms. These provide important insights for service providers to develop better marketing and consumer protection strategies. This paper contributes to the academic discourse by mapping the existing knowledge landscape, offering valuable insights for policymakers, financial institutions, and researchers.

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