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A Johns Hopkins study found that adults with depression, anxiety, or PTSD are more likely to use buy now, pay later (BNPL) services compared to those without mental health symptoms. The research highlights potential risks, including financial strain from missed payments, and calls for clearer terms for BNPL users.
Buy Now, Pay Later (BNPL) is transforming debit cards into essential financial tools, driving higher spending and user engagement. Financial institutions adopting BNPL strategies are enhancing customer loyalty, increasing transaction volumes, and maintaining competitiveness in the evolving payments landscape.