: A report from the Federal Reserve Bank of Kansas City examining the characteristics of users, noting that BNPL is most common for clothing and electronics but is increasingly used for groceries.
: Analyzes the risks of "data harvesting" and "deceptive designs" in BNPL apps that lead consumers to overspend. BGNPLBzip
Zip’s submission to Treasury on BNPL regulation options - Zip Co : A report from the Federal Reserve Bank
For insights into the Buy Now, Pay Later (BNPL) market and Zip specifically, the following papers and reports offer comprehensive analysis of consumer behavior, market dynamics, and regulatory shifts: and regulatory shifts: