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Buy Now, Pay Later: Impulse Purchasing Behavior Of Gen-z Users Of Spaylater And Lazpay Later In Manila City/ Veronica Faye F. Beltran, Krista Leigh D. Fajardo, Beatrice Reana L. Malapad, Braille Alexis C. Manalansan, Marielle Joy L. Marino, Xam-ace A. Moya and Kirsten Vench M. Roxas.--

By: Contributor(s): Material type: TextTextPublication details: Technological University Of The Philippines, Manila. 2025Description: x, 101 pages. 29 cmContent type:
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  • BTH HD 28  B45 2025
Dissertation note: College of Liberal Arts.-- Bachelor Of Science In Business Administration Major In Industrial Management: Technological University Of The Philippines, Manila. 2025 Summary: Buy Now, Pay Later has been introduced to the consumers in the Philippines. While several brands and platforms have adapted its features, online shops such as Shopee and Lazada stands out in utilizing it. This paper aimed to conduct a quantitative study to specifically investigate consumers who actively use SPayLater and/or LazPayLater, and how it associates with their impulse purchasing behavior. This research employs quantitative, utilizing descriptive and correlational techniques, that targets a sample of 195 respondents from Generation Z, aged 18 to 27, who reside in Manila City and actively use SPayLater or LazPayLater services. A two-week period survey was conducted to collect responses, ensuring sufficient data to analyze the relationship between BNPL usage and impulsive buying behavior. Findings reveal a moderate positive correlation between BNPL availability and impulsive purchases, driven by the factors like promotional offers, discounts, convenience, and affordability while most respondents demonstrate financial literacy, recognizing risks emphasizing the need for a much improved consumer education for existing and future users. Recommendations include expanding research geographically, exploring long-term debt management, investigating psychological drivers of impulsive buying, and enhancing financial literacy programs to enhance knowledge about this subject. By shedding light on the effects of BNPL services on impulsive buying, this study hopes to provide valuable insights to promote responsible spending, advance financial education, and design consumer-friendly, user-centered payment services tailored to diverse demographic and behavioral trends. Keywords: Generation Z, Paylater, Impulse purchasing, Financial literacy
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Bachelor's Thesis CLA Bachelor's Thesis CLA TUP Manila Library Thesis Section-2nd floor BTH HD 28 B45 2025 (Browse shelf(Opens below)) c.1. Not for loan BTH0005858

Bachelor's thesis

College of Liberal Arts.-- Bachelor Of Science In Business Administration Major In Industrial Management: Technological University Of The Philippines, Manila. 2025

Includes bibliographic references and index.

Buy Now, Pay Later has been introduced to the consumers in the Philippines. While several
brands and platforms have adapted its features, online shops such as Shopee and Lazada
stands out in utilizing it. This paper aimed to conduct a quantitative study to specifically
investigate consumers who actively use SPayLater and/or LazPayLater, and how it
associates with their impulse purchasing behavior. This research employs quantitative,
utilizing descriptive and correlational techniques, that targets a sample of 195 respondents
from Generation Z, aged 18 to 27, who reside in Manila City and actively use SPayLater
or LazPayLater services. A two-week period survey was conducted to collect responses,
ensuring sufficient data to analyze the relationship between BNPL usage and impulsive
buying behavior. Findings reveal a moderate positive correlation between BNPL
availability and impulsive purchases, driven by the factors like promotional offers,
discounts, convenience, and affordability while most respondents demonstrate financial
literacy, recognizing risks emphasizing the need for a much improved consumer education
for existing and future users. Recommendations include expanding research geographically,
exploring long-term debt management, investigating psychological drivers of impulsive
buying, and enhancing financial literacy programs to enhance knowledge about this subject.
By shedding light on the effects of BNPL services on impulsive buying, this study hopes
to provide valuable insights to promote responsible spending, advance financial education,
and design consumer-friendly, user-centered payment services tailored to diverse
demographic and behavioral trends.
Keywords: Generation Z, Paylater, Impulse purchasing, Financial literacy

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