'Buy now, pay later' may reshape retail prices, inventory, research finds

Phys.org reports that “buy now, pay later” plans, which let shoppers split purchases into a few interest‑free installments, have become a common way to pay for items from furniture to groceries. New research from the Olin Business School at Washington University in St. Louis indicates that this financing option can influence retail pricing, inventory decisions, and increase the financial burden on consumers. The findings suggest that the ripple effects of these payment choices may reshape how retailers set prices and manage stock.

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