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3. Why do many consumers prefer to pay now when they could pay later?
4. Emotional Conservatism: The Basis of Social Behavior?
5. ASIC. (2018)REP 600 review of buy now pay later arrangements. Available from:https://asic.gov.au/regulatory‐resources/find‐a‐document/reports/rep‐600‐review‐of‐buy‐now‐pay‐later‐arrangements/[Accessed 28 November 2020].