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doi: 10.1039/C9FO03091C 368 KrishnakumarIMIssacAJohannahNMNinanEMaliakelBKuttanR

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[11] He completed his secondary education at Phillips Academy in Andover, Massachusetts

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Here are the main challenges linked to BNPL: Overspending is common since splitting payments can make purchases feel cheaper than they are Debt concerns may arise if consumers miss payments and face late fees Regulatory scrutiny is increasing as governments set new rules to protect buyers Policies around BNPL are still evolving, which could change how services operate Merchants face risks like higher return rates and dependence on third-party providers In short, BNPL is helpful, but both shoppers and retailers must use it carefully to avoid financial problems