Table 6. Linear regression results ( n =...

Table 6.

Linear regression results (n = 664)

Variables	From BNPL to consumer credit consumers
Age	0.015** (0.005)
Gender	−0.283** (0.102)
Marital status	0.138 (0.043)
Education	−0.094** (0.049)
Work status	0.011 (0.042)
Income	−0.267 (0.064)
Purchases on e-commerce websites	0.028 (0.034)
Trust on financial system	−0.054* (0.032)
Financial literacy	−0.028** (0.034)
Financial diligence	−0.014 (0.064)
Financing preference	−0.001 (0.055)
Financial over Indebtedness	−0.244*** (0.059)
BNPL users	0.307 ** (0.177)
BNPL prospects	0.347 ** (0.129)
σ	1.79
Adjusted R²	0.113
No	664

Variables	From BNPL to consumer credit consumers
Age	0.015** (0.005)
Gender	−0.283** (0.102)
Marital status	0.138 (0.043)
Education	−0.094** (0.049)
Work status	0.011 (0.042)
Income	−0.267 (0.064)
Purchases on e-commerce websites	0.028 (0.034)
Trust on financial system	−0.054* (0.032)
Financial literacy	−0.028** (0.034)
Financial diligence	−0.014 (0.064)
Financing preference	−0.001 (0.055)
Financial over Indebtedness	−0.244*** (0.059)
BNPL users	0.307 ** (0.177)
BNPL prospects	0.347 ** (0.129)
σ	1.79
Adjusted R²	0.113
No	664

Notes:

The dependent variable in regression is investing From BNPL to Consumer Credit Consumers. Regression analysis provides a nuanced understanding of financial behaviors among consumers either using or interested in BNPL, specifically examining both prospects and current BNPL users 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

Source: Authors’ own creation

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