: Analyzes the risks of "data harvesting" and "deceptive designs" in BNPL apps that lead consumers to overspend.
: A report from the Federal Reserve Bank of Kansas City examining the characteristics of users, noting that BNPL is most common for clothing and electronics but is increasingly used for groceries. BGNPLBzip
: 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. : Analyzes the risks of "data harvesting" and
Zip’s submission to Treasury on BNPL regulation options - Zip Co BGNPLBzip
