: 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.
: This paper investigates the "gamification" of credit, exploring how app features like streak-based rewards (used by Zip) impact how debt "feels" to younger consumers. Market and Regulatory Analysis BGNPLBzip
: Analyzes the risks of "data harvesting" and "deceptive designs" in BNPL apps that lead consumers to overspend. : A report from the Federal Reserve Bank
: Zip’s official stance on Australian regulatory options, where it advocates for specific credit protections for vulnerable customers. BGNPLBzip