AgeRequired Please enter your age in years
Have you used BNPL in the last 6 months?Required Yes No
How frequently do you use BNPL?Required Choose an option Rarely Occasionally Frequently Very frequently How many BNPL providers have you used in the last 6 months?Required Enter the number of distinct providers
Present Bias: I prefer immediate rewards and tend to postpone financial costs to the future.Required 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
Payment Detachment: Paying with BNPL feels less painful than paying with cash or debit cards immediately.Required 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
Installment-Based Mental Accounting: I view installment payments as separate, minor expenses rather than part of my total debt.Required 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
Difficulty tracking total obligations when using multiple BNPL providersRequired 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
Tendency to make purchases because the installment appears affordableRequired 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
10. Before checking your BNPL account(s), approximately how much do you think you currently owe in total?Required Enter approximate amount
11. After checking your BNPL account(s), what is your actual total outstanding BNPL balance?Required Enter actual amount
12. I sometimes underestimate my total outstanding BNPL debt.Required 1 = Strongly Disagree, 2 = Disagree, 3 = Neutral, 4 = Agree, 5 = Strongly Agree
1 = Strongly Disagree 2 = Disagree 3 = Neutral 4 = Agree 5 = Strongly Agree
13. If you owe ₹2,000 on one BNPL account and ₹3,000 on another, what is your total outstanding debt?Required Enter total amount
14. If a product costs ₹6,000 and you pay ₹1,000 per month for six months, what is the total amount you pay?Required Enter total amount
15. Which statement best describes how you usually evaluate a BNPL purchase?Required Select one option
I mainly focus on the installment amount. I mainly focus on the total purchase price. I consider both the installment and total amount. I usually do not think about the total amount owed.