...Richmond Essieku; Prince Bosompim Purpose Does the use of Buy Now Pay Later (BNPL) improve or worsen the short-term and long-term financial behaviors across generational cohorts in the US? In this study, we examine the effect of these innovative credit services on different financial behaviors...

.... financial education and financial literacy) and outcomes (i.e. desirable financial behaviors and financial well-being) of the utilization of mobile fintech. Using data from the 2018 National Financial Capability Study and structural equation modeling techniques, this study provides empirical evidence...