International Journal of Scientific Research and Engineering Development

The growing influence of “cashless-revolution” has evolved the overall financial landscape, transitioning from traditional credit taboos to the widespread normalization of deferred payments. The current study investigates the role of Buy Now Pay Later (BNPL) schemes and aggressive discountmarketing in shaping the spending behavior and financial well-being of young consumers, specifically Millennials and Gen Z. Unlike other traditional credit system, BNPL acts as a contemporary fintech mechanism that allows for immediate ownership of goods while deferring repayments through structured, often interest-free installments. However, these kinds of services operate with almost nil regulatory oversight, heightening the exposure of younger cohorts to financial vulnerability. Using a systematic literature review (PRISMA) and Bibliometric Analysis this current study aims to examine the impact of aggressive BNPL and discount marketing on young consumers’ spending behavior and financial well-being. The papers were extracted using Scopus and Web of Science databases. Systematic screening was conducted on extracted 177 research papers from both the databases using PRISMA Framework which gave core 38 papers for analysis. Hence the currents paper makes use of concept mapping to interpret the relation between BNPL services, spending behavior and financial well-being of young consumers.

Kajal Mourya, Dr.Vandana Gupta,"The Impact of Aggressive BNPL and Discount Marketing on Young Consumers’ Spending Behavior and Financial Wellbeing: A Systematic Literature Review" International Journal of Scientific Research and Engineering Development, V9(3): Page(187-192) May-June 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.