: This Harvard Business School/NBER working paper provides an early look into the US market by linking BNPL activity with bank and credit card data to see how it impacts broader spending and financial health.
: A 2026 economic brief from the Richmond Fed discussing industry trends, including a decline in charge-off rates due to better credit risk models. BGNPLBzip
For insights into the Buy Now, Pay Later (BNPL) market and Zip specifically, the following papers and reports offer comprehensive analysis of consumer behavior, market dynamics, and regulatory shifts: : This Harvard Business School/NBER working paper provides
Zip’s submission to Treasury on BNPL regulation options - Zip Co Market and Regulatory Analysis
: This paper investigates the "gamification" of credit, exploring how app features like streak-based rewards (used by Zip) impact how debt "feels" to younger consumers. Market and Regulatory Analysis