Present Bias and BNPL Convenience on Financial Stress: Financial Literacy’s Moderating Role in Generation Z

Mah’vilanda Mah’vilanda () and Madris Madris
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Mah’vilanda Mah’vilanda: Hasanuddin University
Madris Madris: Hasanuddin University

A chapter in Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025), 2026, pp 1681-1698 from Springer

Abstract: Abstract This study investigates how present bias and perceived convenience of Buy Now Pay Later (BNPL) services contribute to financial stress among Generation Z consumers and explores the moderating role of financial literacy. Grounded in Prospect Theory and the Financial Capability framework, a quantitative explanatory design was applied using Partial Least Squares Structural Equation Modelling (PLS-SEM) on 155 valid survey responses from Indonesian Gen Z BNPL users. Results reveal that both present bias (β = 0.36, p

Keywords: Present Bias; Buy Now Pay Later (BNPL); Financial Literacy; Financial Stress; Prospect Theory (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-709-5_118

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DOI: 10.2991/978-94-6239-709-5_118

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