"Pay later" is a benefit, to the audience we're discussing, as it means "not now".
Young adults actually have processing problems over impulse control [0], and so cannot see any drawback to "not now" - in fact they likely do not have a way to fully conceptualise that something will occur in the future.
All "buy now, pay later" translates to is "instant gratification", nothing further.
Young adults actually have processing problems over impulse control [0], and so cannot see any drawback to "not now" - in fact they likely do not have a way to fully conceptualise that something will occur in the future.
All "buy now, pay later" translates to is "instant gratification", nothing further.
[0] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2964271/