Buy Now, Pay Later: mapping shifts in consumer spending & brand associations amidst difficult times

During a time of high interest rates and restrained spending, Buy Now, Pay Later (BNPL) is offering another avenue for consumers to cope financially.

In this environment individual approaches to finances are shifting with a growing number utilising BNPL for essentials rather than luxuries. As a result, attitudes towards spending are also evolving.

There are increased calls for regulation and scrutiny of the sector, with proposals for oversight similar to that of traditional credit cards. For brands even tangentially involved in the sector, and the PR & Comms professionals in situ, understanding what messaging resonates, where risk lies and how trust might be earned is essential.

Gain data-backed perspective on the communities engaging with the BNPL sector – from Gen-Z to political followers and fintech enthusiasts – and go beyond surface insights to understand their evolving preferences, concerns, and the implications for future financial behaviours.

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