{"id":"https://openalex.org/W3083334335","doi":"https://doi.org/10.3390/su12187322","title":"Click to Buy: The Impact of Retail Credit on Over-Consumption in the Online Environment","display_name":"Click to Buy: The Impact of Retail Credit on Over-Consumption in the Online Environment","publication_year":2020,"publication_date":"2020-09-07","ids":{"openalex":"https://openalex.org/W3083334335","doi":"https://doi.org/10.3390/su12187322","mag":"3083334335"},"language":"en","primary_location":{"id":"doi:10.3390/su12187322","doi":"https://doi.org/10.3390/su12187322","is_oa":true,"landing_page_url":"https://doi.org/10.3390/su12187322","pdf_url":"https://www.mdpi.com/2071-1050/12/18/7322/pdf?version=1600415859","source":{"id":"https://openalex.org/S10134376","display_name":"Sustainability","issn_l":"2071-1050","issn":["2071-1050"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Sustainability","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2071-1050/12/18/7322/pdf?version=1600415859","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5016798907","display_name":"Lauren Ah Fook","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I80281795","display_name":"University of Otago","ror":"https://ror.org/01jmxt844","country_code":"NZ","type":"education","lineage":["https://openalex.org/I80281795"]}],"countries":["NZ"],"is_corresponding":false,"raw_author_name":"Lauren Ah Fook","raw_affiliation_strings":["Department of Marketing, Otago Business School, University of Otago, Dunedin 9016, New Zealand"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Marketing, Otago Business School, University of Otago, Dunedin 9016, New Zealand","institution_ids":["https://openalex.org/I80281795"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5083230015","display_name":"Lisa S. McNeill","orcid":"https://orcid.org/0000-0001-9639-9965","observed_orcids":["https://orcid.org/0000-0001-9639-9965"]},"institutions":[{"id":"https://openalex.org/I80281795","display_name":"University of Otago","ror":"https://ror.org/01jmxt844","country_code":"NZ","type":"education","lineage":["https://openalex.org/I80281795"]}],"countries":["NZ"],"is_corresponding":true,"raw_author_name":"Lisa McNeill","raw_affiliation_strings":["Department of Marketing, Otago Business School, University of Otago, Dunedin 9016, New Zealand"],"raw_orcid":"https://orcid.org/0000-0001-9639-9965","affiliations":[{"raw_affiliation_string":"Department of Marketing, Otago Business School, University of Otago, Dunedin 9016, New Zealand","institution_ids":["https://openalex.org/I80281795"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5083230015"],"corresponding_institution_ids":["https://openalex.org/I80281795"],"apc_list":{"value":1800,"currency":"CHF","value_usd":1901},"apc_paid":{"value":1800,"currency":"CHF","value_usd":1901},"fwci":8.2196,"has_fulltext":true,"cited_by_count":95,"citation_normalized_percentile":{"value":0.97106627,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":97,"max":100},"biblio":{"volume":"12","issue":"18","first_page":"7322","last_page":"7322"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11536","display_name":"Consumer Retail Behavior Studies","score":0.9653000235557556,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11536","display_name":"Consumer Retail Behavior Studies","score":0.9653000235557556,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11161","display_name":"Consumer Market Behavior and Pricing","score":0.019200000911951065,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10880","display_name":"Environmental Sustainability in Business","score":0.0020000000949949026,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/overconsumption","display_name":"overconsumption","score":0.8059999942779541},{"id":"https://openalex.org/keywords/impulse-buying","display_name":"impulse buying","score":0.8040000200271606},{"id":"https://openalex.org/keywords/buy-now-pay-later","display_name":"buy now pay later","score":0.9860000014305115},{"id":"https://openalex.org/keywords/retail-credit","display_name":"retail credit","score":0.9869999885559082},{"id":"https://openalex.org/keywords/online-fashion-shopping","display_name":"online fashion shopping","score":0.722000002861023},{"id":"https://openalex.org/keywords/sustainable-consumption","display_name":"sustainable consumption","score":0.6510000228881836},{"id":"https://openalex.org/keywords/consumer-behavior","display_name":"consumer behavior","score":0.40400001406669617}],"concepts":[{"id":"https://openalex.org/C20533482","wikidata":"https://www.wikidata.org/wiki/Q3174091","display_name":"Overconsumption","level":3,"score":0.9653885364532471},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6131939888000488},{"id":"https://openalex.org/C70836080","wikidata":"https://www.wikidata.org/wiki/Q837940","display_name":"Impulse (physics)","level":2,"score":0.5995922684669495},{"id":"https://openalex.org/C66204764","wikidata":"https://www.wikidata.org/wiki/Q219416","display_name":"Sustainability","level":2,"score":0.5610626339912415},{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.5329680442810059},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.5132262706756592},{"id":"https://openalex.org/C530175646","wikidata":"https://www.wikidata.org/wiki/Q11460","display_name":"Clothing","level":2,"score":0.46161019802093506},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.4253203570842743},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.37557071447372437},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.37043577432632446},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.31592392921447754},{"id":"https://openalex.org/C2778348673","wikidata":"https://www.wikidata.org/wiki/Q739302","display_name":"Production (economics)","level":2,"score":0.13579192757606506},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.12055370211601257},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.0},{"id":"https://openalex.org/C95457728","wikidata":"https://www.wikidata.org/wiki/Q309","display_name":"History","level":0,"score":0.0},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.0},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.0},{"id":"https://openalex.org/C62520636","wikidata":"https://www.wikidata.org/wiki/Q944","display_name":"Quantum mechanics","level":1,"score":0.0},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.3390/su12187322","doi":"https://doi.org/10.3390/su12187322","is_oa":true,"landing_page_url":"https://doi.org/10.3390/su12187322","pdf_url":"https://www.mdpi.com/2071-1050/12/18/7322/pdf?version=1600415859","source":{"id":"https://openalex.org/S10134376","display_name":"Sustainability","issn_l":"2071-1050","issn":["2071-1050"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Sustainability","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:gam:jsusta:v:12:y:2020:i:18:p:7322-:d:409960","doi":null,"is_oa":false,"landing_page_url":"https://www.mdpi.com/2071-1050/12/18/7322/","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:c253ad639519429e87d7ffb067dc8ffa","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/c253ad639519429e87d7ffb067dc8ffa","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Sustainability, Vol 12, Iss 7322, p 7322 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.3390/su12187322","doi":"https://doi.org/10.3390/su12187322","is_oa":true,"landing_page_url":"https://doi.org/10.3390/su12187322","pdf_url":"https://www.mdpi.com/2071-1050/12/18/7322/pdf?version=1600415859","source":{"id":"https://openalex.org/S10134376","display_name":"Sustainability","issn_l":"2071-1050","issn":["2071-1050"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-class-a","anvur-scientific","cwts-core","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Sustainability","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Responsible consumption and production","score":0.6000000238418579,"id":"https://metadata.un.org/sdg/12"}],"sustainable_development_goals_aurora":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3083334335.pdf","grobid_xml":"https://content.openalex.org/works/W3083334335.grobid-xml"},"referenced_works_count":59,"referenced_works":["https://openalex.org/W415541256","https://openalex.org/W1743885004","https://openalex.org/W1870361743","https://openalex.org/W1901423208","https://openalex.org/W1949169686","https://openalex.org/W1975086943","https://openalex.org/W1977959176","https://openalex.org/W1985103963","https://openalex.org/W1985932677","https://openalex.org/W1989249852","https://openalex.org/W1999657754","https://openalex.org/W2003217648","https://openalex.org/W2005215882","https://openalex.org/W2008844726","https://openalex.org/W2018340955","https://openalex.org/W2030761102","https://openalex.org/W2040348508","https://openalex.org/W2048411312","https://openalex.org/W2051753763","https://openalex.org/W2055951938","https://openalex.org/W2056156494","https://openalex.org/W2065522680","https://openalex.org/W2072625235","https://openalex.org/W2073447331","https://openalex.org/W2075422708","https://openalex.org/W2081768880","https://openalex.org/W2083005366","https://openalex.org/W2084701412","https://openalex.org/W2086670988","https://openalex.org/W2091591358","https://openalex.org/W2100482303","https://openalex.org/W2102497998","https://openalex.org/W2110094096","https://openalex.org/W2113469544","https://openalex.org/W2115232205","https://openalex.org/W2127228059","https://openalex.org/W2137894813","https://openalex.org/W2141536144","https://openalex.org/W2153950939","https://openalex.org/W2159273162","https://openalex.org/W2169256794","https://openalex.org/W2214663683","https://openalex.org/W2231640812","https://openalex.org/W2316452506","https://openalex.org/W2429626499","https://openalex.org/W2468566723","https://openalex.org/W2517800469","https://openalex.org/W2587618278","https://openalex.org/W2769402650","https://openalex.org/W2792196891","https://openalex.org/W2799587466","https://openalex.org/W2885313888","https://openalex.org/W2890370021","https://openalex.org/W2955716402","https://openalex.org/W2962089696","https://openalex.org/W3005100571","https://openalex.org/W3010336582","https://openalex.org/W4242320139","https://openalex.org/W4285719527"],"related_works":["https://openalex.org/W2036990038","https://openalex.org/W2150333995","https://openalex.org/W2738456166","https://openalex.org/W4214892024","https://openalex.org/W272600989","https://openalex.org/W3126096793","https://openalex.org/W3191424908","https://openalex.org/W3145710810","https://openalex.org/W1973227074","https://openalex.org/W3046513822"],"abstract_inverted_index":{"There":[0],"is":[1,49,186],"growing":[2],"concern":[3],"that":[4,85,165],"worldwide":[5],"cultures":[6],"of":[7,18,36,40,73,83,101,104,137],"consumption":[8,82,141],"have":[9,168],"had":[10],"detrimental":[11],"consequences":[12],"for":[13,123],"individual":[14],"wellbeing":[15],"and":[16,32,78,93,182,193],"sustainability":[17,47],"the":[19,25,33,99,135,144,149],"environment.":[20],"The":[21,128],"term":[22],"\u201coverconsumption\u201d":[23],"exemplifies":[24],"tension":[26],"between":[27,188],"mutually":[28],"beneficial":[29],"producer\u2013consumer":[30],"exchange":[31],"damaging":[34],"effects":[35],"excess.":[37],"In":[38],"search":[39],"a":[41,102,131,161,169,183],"pathway":[42],"toward":[43],"reducing":[44],"overconsumption":[45,58,200],"practise,":[46],"literature":[48,150],"often":[50,87],"interested":[51],"in":[52,64,117,143,159,201],"better":[53],"understanding":[54],"not":[55,179],"only":[56],"why":[57],"occurs,":[59],"but":[60],"what":[61],"facilitates":[62],"it":[63],"particular":[65],"consumer":[66,132],"markets.":[67],"Young":[68],"adults":[69],"are":[70,86],"one":[71],"group":[72],"consumers":[74],"where":[75],"transitioning":[76],"identities":[77],"lifestyles":[79],"see":[80],"impulsive":[81],"goods":[84],"termed":[88],"\u201cnon-essential\u201d,":[89],"such":[90,160],"as":[91],"fashion":[92,120],"apparel":[94],"products.":[95],"This":[96],"study":[97],"explores":[98],"impact":[100,136],"set":[103],"impulse":[105,114,156,172,190],"enabling":[106],"financial":[107],"tools":[108],"(buy-now-pay-later":[109],"(BNPL)":[110],"credit":[111],"schemes)":[112],"on":[113,134,139],"buying":[115,157,173,191],"tendency":[116,174,192],"an":[118],"online":[119,145,171,189],"shopping":[121],"context,":[122],"young":[124],"adult":[125],"female":[126],"consumers.":[127],"paper":[129],"contributes":[130],"perspective":[133],"BNPL":[138,166],"unsustainable":[140],"behaviour":[142],"retail":[146],"setting,":[147],"which":[148],"currently":[151],"lacks,":[152],"by":[153],"considering":[154],"consumers\u2019":[155],"tendencies":[158],"setting.":[162,203],"Findings":[163],"demonstrate":[164],"users":[167],"higher":[170],"than":[175],"those":[176],"who":[177],"do":[178],"use":[180],"BNPL,":[181],"clear":[184],"link":[185],"identified":[187],"sales":[194],"conversion":[195],"tool":[196],"sensitivity,":[197],"thus":[198],"promoting":[199],"this":[202]},"counts_by_year":[{"year":2026,"cited_by_count":18},{"year":2025,"cited_by_count":18},{"year":2024,"cited_by_count":27},{"year":2023,"cited_by_count":18},{"year":2022,"cited_by_count":5},{"year":2021,"cited_by_count":9}],"updated_date":"2026-10-18T09:31:52.927876","created_date":"2020-09-11T00:00:00"}