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

Author

Listed:
  • 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)

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.

Suggested Citation

  • Joselito S. Malaluan. & Kristel G. Aclan & Mike Lester M. Aranas & Jennilyn M. Plandez, 2025. "Influence of Buy Now, Pay Later on Buying Decision among Teaching and Non – Teaching Staff on Batangas State University – TNEU Pablo Borbon," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(15), pages 347-366, March.
    • Handle: RePEc:bcp:journl:v:9:y:2025:i:15:p:347-366
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    References listed on IDEAS

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    1. Kumar, Ashish & Salo, Jari & Bezawada, Ram, 2024. "The effects of buy now, pay later (BNPL) on customers’ online purchase behavior," Journal of Retailing, Elsevier, vol. 100(4), pages 602-617.
    2. Chen, Tao & Marshall, Ben R. & Nguyen, Nhut H. & Visaltanachoti, Nuttawat, 2024. "What influences demand for Buy Now, Pay Later credit?," Economics Letters, Elsevier, vol. 242(C).
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