Qlarifi has completed the first real-time, multi-provider study of Buy Now Pay Later (BNPL) usage, revealing that 1 in 4 users make a new transaction every five days, and most use BNPL monthly.
In fact, high-usage consumers are more reliable, with defaults concentrated in lower-ticket, one-off purchases by older or first-time users. This challenges the narrative that BNPL is primarily driven by impulsive Gen Z and millennial spending.