BUY NOW, PAY LATER (BNPL) AS AN EMERGING ONLINE PAYMENT SYSTEM: A BIBLIOMETRIC ANALYSIS

Yıl 2025, Cilt: 26 Sayı: 2, 344 - 370, 31.12.2025

Esra Öztürk , Harun Türker Kara

https://doi.org/10.24889/ifede.1673691

Öz

The rapid expansion of e-commerce has facilitated the development of novel payment systems, notably Buy Now, Pay Later (BNPL). Introduced in Australia in 2014 and gaining traction in different markets, BNPL enables consumers to purchase immediately while spreading payments over time. BNPL is advantageous for its convenience in transactions, affordability, and ability to help users manage their financial positions. However, critics highlight potential risks, including over-borrowing, lower credit scores, and impulsive spending, particularly among low-income and younger consumers. This paper explores the nature and future of BNPL through a bibliometric analysis conducted using the Web of Science (WoS) database. The findings indicate that the most-cited studies originate from Australia, where the system emerged. 2022 marked a pivotal year, as the volume and quality of publications began to diversify. The most frequently used words in publications were behavior, debt, and adoption. Trend topic analysis revealed shifting research interests, with an initial emphasis on debt and a growing interest in behavior and adoption over time.

Anahtar Kelimeler

BNPL , E-commerce , Payment Models , Consumer Payment Choices , Bibliometric Analysis

YÜKSELEN BİR ÇEVRİMİÇİ ÖDEME SİSTEMİ OLARAK ŞİMDİ AL-SONRA ÖDE (BNPL): BİBLİYOMETRİK BİR ANALİZ

Öz

E-ticaretin hızla genişlemesi, özellikle Şimdi Al-Sonra Öde (BNPL) gibi yeni ödeme sistemlerinin gelişimini kolaylaştırmıştır. 2014 yılında Avustralya’da ortaya çıkan ve farklı pazarlarda yaygınlaşan BNPL, tüketicilere anında alışveriş yapma ve ödemeleri zamana yayma imkânı sumaktadır. Bu sistem; işlem kolaylığı, uygun maliyet ve finansal durumu yönetme açısından tüketicilere çeşitli avantajlar sağlamaktadır. Ancak düşük gelirli ve genç tüketiciler arasında aşırı borçlanma, düşük kredi puanı ve dürtüsel harcamalara sebep olma riskleri taşıdığı için eleştirilmektedir. Bu çalışma, yükselen bir çevrimiçi ödeme sistemi olarak BNPL’nin doğasını ve geleceğini bibliyometrik analiz yoluyla incelemeyi amaçlamıştır. En çok atıf alan çalışmaların sistemin ortaya çıktığı ülke olan Avustralya kaynaklı olduğu saptanmıştır. 2022 yılının, yayınların hacim ve nitelik bakımından çeşitlenmeye başladığı dönüm noktası olduğu görülmüştür. Yayınlarda en sık kullanılan kelimelerin davranış, borç ve benimseme olduğu sonucuna ulaşılmıştır. Eğilim analizi, araştırmaların ilk aşamalarında borç konusuna odaklanıldığını; zamanla davranış ve benimseme temalarının öne çıktığını göstermiştir.

Anahtar Kelimeler

BNPL , E-ticaret , Ödeme Modelleri , Tüketici Ödeme Tercihleri , Bibliyometrik Analiz

Kaynakça

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