BUY NOW, PAY LATER (BNPL) AS AN EMERGING ONLINE PAYMENT SYSTEM: A BIBLIOMETRIC ANALYSIS

Authors : Esra Öztürk, Harun Türker Kara

Pages : 344-370

Doi:10.24889/ifede.1673691

View : 43 | Download : 166

Publication Date : 2025-12-31

Article Type : Review Paper

Abstract :The rapid expansion of e-commerce has facilitated the development of novel payment systems, notably Buy Now, Pay Later (BNPL). Introduced in Australia in 2014 and gaining traction in different markets, BNPL enables consumers to purchase immediately while spreading payments over time. BNPL is advantageous for its convenience in transactions, affordability, and ability to help users manage their financial positions. However, critics highlight potential risks, including over-borrowing, lower credit scores, and impulsive spending, particularly among low-income and younger consumers. This paper explores the nature and future of BNPL through a bibliometric analysis conducted using the Web of Science (WoS) database. The findings indicate that the most-cited studies originate from Australia, where the system emerged. 2022 marked a pivotal year, as the volume and quality of publications began to diversify. The most frequently used words in publications were behavior, debt, and adoption. Trend topic analysis revealed shifting research interests, with an initial emphasis on debt and a growing interest in behavior and adoption over time.
Keywords : BNPL, E-ticaret, Ödeme Modelleri, Tüketici Ödeme Tercihleri, Bibliyometrik Analiz

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