Logistic results (n = 1,457)
| Variables | BNPL users | BNPL prospects |
|---|---|---|
| Age | 0.040*** (0.010) | 0.041*** (0.007) |
| Gender | −0.172 (0.010) | −0.134 (0.136) |
| Marital status | −0.086 (0.073) | −0.003 (0.057) |
| Education | −0.193** (0.092) | −0.097 (0.064) |
| Work status | −0.005 (0.107) | −0.032 (0.066) |
| Income | 0.145 (0.117) | -0.222**(0.084) |
| Purchases on e-commerce websites | 0.439*** (0.076) | 0.299*** (0.048) |
| Trust on financial system | −0.113* (0.084) | −0.393*** (0.056) |
| Financial literacy | −0.369*** (0.084) | −0.393*** (0.056) |
| Financial diligence | −0.311** (0.128) | −0.167* (0.091) |
| Financing preference | 0.523*** (0.122) | 0.160** (0.090) |
| Financial over-Indebtedness | 0.061 (0.123) | 0.115 (0.091) |
| Log-likelihood ratio | 811.628 | 139.521 |
| Cox and Snell R2 | 0.125 | 0.207 |
| Nagelkerke R2 | 0.238 | 0.286 |
| No | 1.454 | 1.454 |
| Variables | BNPL users | BNPL prospects |
|---|---|---|
| Age | 0.040 | 0.041 |
| Gender | −0.172 (0.010) | −0.134 (0.136) |
| Marital status | −0.086 (0.073) | −0.003 (0.057) |
| Education | −0.193 | −0.097 (0.064) |
| Work status | −0.005 (0.107) | −0.032 (0.066) |
| Income | 0.145 (0.117) | -0.222 |
| Purchases on e-commerce websites | 0.439 | 0.299 |
| Trust on financial system | −0.113 | −0.393 |
| Financial literacy | −0.369 | −0.393 |
| Financial diligence | −0.311 | −0.167 |
| Financing preference | 0.523 | 0.160 |
| Financial over-Indebtedness | 0.061 (0.123) | 0.115 (0.091) |
| Log-likelihood ratio | 811.628 | 139.521 |
| Cox and Snell | 0.125 | 0.207 |
| Nagelkerke | 0.238 | 0.286 |
| No | 1.454 | 1.454 |
The dependent variable in regression are BNPL users and BNPL Prospects. Standard errors are given in parentheses. Asterisks represent the level of confidence based on p-values: *p < 0.05, **p < 0.01 and ***p < 0.001
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