Influence of Buy Now, Pay Later on Buying Decision among Teaching and Non – Teaching Staff on Batangas State University – TNEU Pablo Borbon

Joselito S. Malaluan., Kristel G. Aclan, Mike Lester M. Aranas and Jennilyn M. Plandez
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Joselito S. Malaluan.: College of Accountancy, Business, Economics and International Hospitality Management, Batangas State University the National Engineering University
Kristel G. Aclan: College of Accountancy, Business, Economics and International Hospitality Management, Batangas State University the National Engineering University
Mike Lester M. Aranas: College of Accountancy, Business, Economics and International Hospitality Management, Batangas State University the National Engineering University
Jennilyn M. Plandez: College of Accountancy, Business, Economics and International Hospitality Management, Batangas State University the National Engineering University

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 15, 347-366

Abstract: This study examines the influence of “Buy Now, Pay Later†(BNPL) services on the buying decisions of teaching and non-teaching staff at Batangas State University-TNEU Pablo Borbon. The research explores the respondents’ demographic profiles, including age, gender, position, monthly income, and frequently used shopping apps, as well as how BNPL influences purchasing decisions based on its convenient payment options, flexible repayment terms, and accessible credit system. It also investigates the challenges faced by consumers when using BNPL and the relationship between their profiles and BNPL’s influence on buying decisions. The research employs a descriptive design with purposive sampling to gather data via surveys. The respondents are staff members from Batangas State University-TNEU Pablo Borbon and its extension campuses. Statistical tools such as frequency, percentage, weighted mean, rank, and p-values are used for data analysis. The findings show that most respondents are between 25-31 years old, female, hold job-order positions, earn Php 20,001-30,000 monthly, and frequently use the Shopee app. The respondents generally agreed that BNPL positively influences their purchasing decisions, especially in terms of convenient payment, flexible repayment, and accessible credit. The study also reveals a significant relationship between the respondents’ profiles and the impact of BNPL on their buying decisions. Additionally, there is a notable difference between the challenges faced by respondents and the influence of BNPL on their purchasing behaviors. This suggests that while BNPL offers convenience and flexibility, certain challenges may affect its overall impact.

Date: 2025
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