Beltran, Veronica Faye F.  <br/><br/>
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.-- 
 - Technological University Of The Philippines, Manila.  2025 
 - x, 101 pages.  29 cm 
<br/><br/> Bachelor's thesis 
<br/><br/>College of Liberal Arts.-- 
<br/><br/>Includes bibliographic references and index. 
<br/><br/> Buy Now, Pay Later has been introduced to the consumers in the Philippines. While several<br/>brands and platforms have adapted its features, online shops such as Shopee and Lazada<br/>stands out in utilizing it. This paper aimed to conduct a quantitative study to specifically<br/>investigate consumers who actively use SPayLater and/or LazPayLater, and how it<br/>associates with their impulse purchasing behavior. This research employs quantitative,<br/>utilizing descriptive and correlational techniques, that targets a sample of 195 respondents<br/>from Generation Z, aged 18 to 27, who reside in Manila City and actively use SPayLater<br/>or LazPayLater services. A two-week period survey was conducted to collect responses,<br/>ensuring sufficient data to analyze the relationship between BNPL usage and impulsive<br/>buying behavior. Findings reveal a moderate positive correlation between BNPL<br/>availability and impulsive purchases, driven by the factors like promotional offers,<br/>discounts, convenience, and affordability while most respondents demonstrate financial<br/>literacy, recognizing risks emphasizing the need for a much improved consumer education<br/>for existing and future users. Recommendations include expanding research geographically,<br/>exploring long-term debt management, investigating psychological drivers of impulsive<br/>buying, and enhancing financial literacy programs to enhance knowledge about this subject.<br/>By shedding light on the effects of BNPL services on impulsive buying, this study hopes<br/>to provide valuable insights to promote responsible spending, advance financial education,<br/>and design consumer-friendly, user-centered payment services tailored to diverse<br/>demographic and behavioral trends.<br/>Keywords: Generation Z, Paylater, Impulse purchasing, Financial literacy 
<br/><br/><label>Subjects--Topical Terms: </label><br/>Industrial Management<br/>Financial Literacy
<br/><br/><label>LC Class. No.: </label>BTH HD 28   / B45 2025