一项研究揭示了"先买后付"服务在年轻消费者中存在的认知偏差问题。尽管新西兰已在2024年9月将这类服务纳入《信用合同与消费者融资法》监管1，但调查发现，40%的受调查者仍不认为"先买后付"是债务1，近半数认为其后果比其他借贷形式更轻1。这种认知误区正在推高消费者的财务风险。
在实际使用中，问题更加突出。43%的"先买后付"用户曾使用信用卡等其他信贷形式来偿还欠款1，55%的用户产生过逾期费用1，其中12.5%曾产生过三次或以上逾期费用1。值得注意的是，具有较高金融能力的消费者反而更可能使用其他债务形式满足还款需求1。"先买后付"提供商向商户收取2%-8%的佣金1，主要从消费者逾期费用中获利。研究建议加强财务教育，帮助消费者识别新型金融产品的本质风险1。
Young consumers in New Zealand increasingly view "buy now, pay later" (BNPL) services as fundamentally different from traditional debt, a perception that researchers warn is driving problematic financial behavior. Despite being reclassified as consumer credit under New Zealand's Credit Contracts and Consumer Finance Act in September 2024, the services continue to feel disconnected from borrowing in the minds of users 1. A study found that 40 percent of surveyed consumers do not consider BNPL arrangements to be debt at all, and nearly half believe the consequences of BNPL are less severe than those of other forms of borrowing 1.
The disconnect between perception and reality has tangible consequences. Among BNPL users, 43 percent have relied on alternative credit products such as credit cards to cover their repayment obligations, while 55 percent have incurred late fees 1. A particularly concerning subset—12.5 percent of users—has accumulated three or more late payment charges 1. BNPL providers, including services like Afterpay, Klarna, and Zip, generate revenue through commissions ranging from 2 to 8 percent charged to retailers, with a significant portion derived from consumer late fees 1. Consumers with higher financial literacy are paradoxically more likely to turn to other debt instruments to meet their BNPL repayment schedules 1.
Researchers recommend strengthening financial education initiatives to help young consumers recognize the true nature and risks inherent in emerging financial products 1.
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