The Polish consumer and BNPL. Profile and motivation

Abstract

BNPL can lead to an expansion of consumption, but also to household over-indebtedness. The aim of the article is to define the profile of the BNPL user in Poland based on responses to a survey conducted using the CAWI technique among BNPL clients in Poland in August 2024. The relations are identified by use of Pearson χ2 tests while Cramer's V coefficient provides for the measuring of dependencies between respective demographic, economic and behavioural features and reasons for BNPL usage. The results indicate that BNPL in Poland is mainly used by young women. BNPLs are chosen by consumers with a secondary or higher education and most often not because they lack the financial means to make purchases, but for the opportunity to try the product without paying for it and to better manage the household budget. During the interest-free period, people with relatively better education and less debt at banks and non-bank loan companies settle their obligations.