: 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.
: This paper investigates the "gamification" of credit, exploring how app features like streak-based rewards (used by Zip) impact how debt "feels" to younger consumers. Market and Regulatory Analysis BGNPLBzip
For insights into the Buy Now, Pay Later (BNPL) market and Zip specifically, the following papers and reports offer comprehensive analysis of consumer behavior, market dynamics, and regulatory shifts: : This Harvard Business School/NBER working paper provides
: An NBER paper exploring the intersection of digital wallets and BNPL, detailing how pandemic-driven digitization accelerated global adoption, with projections reaching $680 billion in transactions by 2025. BGNPLBzip