Effects of Buy-Now-Pay-Later (BNPL) Payment Method in E-Commerce Platforms on the Compulsive Buying Behavior of College Students in UPLB

Date

6-2025

Degree

Bachelor of Science in Economics

College

College of Economics and Management (CEM)

Adviser/Committee Chair

Ma. Nova R. Nguyen

Committee Member

Niño Alejandro Q. Manalo, Gideon P. Carnaje, Maria Angeles O. Catelo

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Abstract

This study aimed to analyze the effect of buy-now-pay-later (BNPL) payment method usage in e-commerce platforms on the compulsive buying behavior of college undergraduate students in the University of the Philippines Los Baños (UPLB). To determine the effects of BNPL and other variables, this study was conducted by gathering primary data in the form of an online survey questionnaire. The sample was collected using a non-probability sampling technique, the snowball sampling technique. The data collected was analyzed using binary logistic regression.

The results showed that more females around the age of 20 exhibit compulsive buying. The average monthly household income of compulsive buyers can be categorized in the upper-middle income class. Moreover, compulsive buyers were also seen to have higher allowances than non-compulsive buyers. The logistic regression showed that sex, Power and Prestige, and Price Sensitivity were positively correlated to compulsive buying and are significant at a p-value of 0.01. The marginal effects showed that females had a 0.1210% higher probability of being a compulsive buyer as compared to males. Individuals who value power and prestige also had a higher probability of being a compulsive buyer by 0.1584%. Moreover, individuals who distrust their spending behavior are more likely to be compulsive buyers by 0.1908%.

For future studies, a larger population is recommended. Additional demographic variables can also be included. The time preference variable can be measured using other scales. Lastly, the Money Attitudes variables can be further tested in future studies.

Language

English

LC Subject

Electronic commerce, Compulsive shopping, Consumer behavior

Location

UPLB College of Economics and Management (CEM)

Call Number

LG 993.5 2025 E2 M66

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Document Type

Thesis

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