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: Research from Harvard Business Review explains how BNPL makes consumers feel less financially constrained, leading them to add more to their baskets, which is particularly relevant for high-ticket items like laptops.

: Studies from the Federal Reserve Bank of Richmond and Federal Reserve Bank of Kansas City detail how these services disproportionately attract "financially fragile" users, often those with lower credit scores who might not qualify for traditional credit cards. buy laptop pay later

: A 2026 report from Congress.gov examines policy options for managing BNPL as it becomes a standard form of point-of-sale financing. Practical Financing "Papers" (Guides & Options) : Research from Harvard Business Review explains how