Perceived usefulness, ease of use, risk, and trust: Explaining BNPL user recommendation intention through behavioural models

The main objective of the article is to identify and evaluate the key determinants of consumer recommendation intention with Buy Now, Pay Later (BNPL) services, operationalised through the intention to recommend such services to others through the intention to recommend such services to others. The study investigates the influence of five core constructs: perceived usefulness, perceived ease of use, perceived trust, and perceived risk. Data are collected from a quota sample of 350 users of deferred payment services, selected in accordance with the demographic profile of BNPL users. The study employs PLS-SEM. The results show that perceived usefulness and perceived trust in the BNPL provider significantly boost recommendation intention. Perceived risk negatively impacts recommendation intention, while perceived ease of use has only a marginal effect. These results contribute to the existing literature by elucidating the behavioural mechanisms underlying BNPL usage and provide actionable insights for financial service providers (...)