{"id":"https://openalex.org/W4367318357","doi":"https://doi.org/10.1111/acfi.13100","title":"The relationship between responsible financial behaviours and financial wellbeing: The case of buy\u2010now\u2010pay\u2010later","display_name":"The relationship between responsible financial behaviours and financial wellbeing: The case of buy\u2010now\u2010pay\u2010later","publication_year":2023,"publication_date":"2023-04-27","ids":{"openalex":"https://openalex.org/W4367318357","doi":"https://doi.org/10.1111/acfi.13100"},"language":"en","primary_location":{"id":"doi:10.1111/acfi.13100","doi":"https://doi.org/10.1111/acfi.13100","is_oa":true,"landing_page_url":"https://doi.org/10.1111/acfi.13100","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/acfi.13100","source":{"id":"https://openalex.org/S4210171597","display_name":"Accounting and Finance","issn_l":"0810-5391","issn":["0810-5391","1467-629X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Accounting & Finance","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/acfi.13100","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5067524393","display_name":"Robert John Powell","orcid":"https://orcid.org/0000-0003-3634-1264","observed_orcids":["https://orcid.org/0000-0003-3634-1264"]},"institutions":[{"id":"https://openalex.org/I12079687","display_name":"Edith Cowan University","ror":"https://ror.org/05jhnwe22","country_code":"AU","type":"education","lineage":["https://openalex.org/I12079687"]}],"countries":["AU"],"is_corresponding":true,"raw_author_name":"Robert Powell","raw_affiliation_strings":["School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia"],"raw_orcid":"https://orcid.org/0000-0003-3634-1264","affiliations":[{"raw_affiliation_string":"School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia","institution_ids":["https://openalex.org/I12079687"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5000136561","display_name":"Anh Do","orcid":"https://orcid.org/0000-0001-6989-7029","observed_orcids":["https://orcid.org/0000-0001-6989-7029"]},"institutions":[{"id":"https://openalex.org/I12079687","display_name":"Edith Cowan University","ror":"https://ror.org/05jhnwe22","country_code":"AU","type":"education","lineage":["https://openalex.org/I12079687"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Anh Do","raw_affiliation_strings":["School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia"],"raw_orcid":"https://orcid.org/0000-0001-6989-7029","affiliations":[{"raw_affiliation_string":"School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia","institution_ids":["https://openalex.org/I12079687"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5034697112","display_name":"Denise E. Gengatharen","orcid":"https://orcid.org/0000-0003-3412-3028","observed_orcids":["https://orcid.org/0000-0003-3412-3028"]},"institutions":[{"id":"https://openalex.org/I12079687","display_name":"Edith Cowan University","ror":"https://ror.org/05jhnwe22","country_code":"AU","type":"education","lineage":["https://openalex.org/I12079687"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Denise Gengatharen","raw_affiliation_strings":["School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia","institution_ids":["https://openalex.org/I12079687"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5024973599","display_name":"Jaime Yong","orcid":"https://orcid.org/0000-0002-5784-7646","observed_orcids":["https://orcid.org/0000-0002-5784-7646"]},"institutions":[{"id":"https://openalex.org/I12079687","display_name":"Edith Cowan University","ror":"https://ror.org/05jhnwe22","country_code":"AU","type":"education","lineage":["https://openalex.org/I12079687"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Jaime Yong","raw_affiliation_strings":["School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business and Law, Edith Cowan University, Joondalup, Western Australia, Australia","institution_ids":["https://openalex.org/I12079687"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5008363366","display_name":"Rasiah Gengatharen","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I177877127","display_name":"The University of Western Australia","ror":"https://ror.org/047272k79","country_code":"AU","type":"education","lineage":["https://openalex.org/I177877127"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Rasiah Gengatharen","raw_affiliation_strings":["Law School, University of Western Australia, Crawley, Western Australia, Australia"],"raw_orcid":"https://orcid.org/0000-0003-3412-3028","affiliations":[{"raw_affiliation_string":"Law School, University of Western Australia, Crawley, Western Australia, Australia","institution_ids":["https://openalex.org/I177877127"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5067524393"],"corresponding_institution_ids":["https://openalex.org/I12079687"],"apc_list":{"value":3140,"currency":"USD","value_usd":3140},"apc_paid":{"value":3140,"currency":"USD","value_usd":3140},"fwci":21.8891,"has_fulltext":true,"cited_by_count":126,"citation_normalized_percentile":{"value":0.99678164,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":97,"max":100},"biblio":{"volume":"63","issue":"4","first_page":"4431","last_page":"4451"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9502000212669373,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9502000212669373,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.03400000184774399,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.010499999858438969,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/buy-now-pay-later","display_name":"buy now pay later","score":0.9940000176429749},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.9990000128746033},{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.6850000023841858},{"id":"https://openalex.org/keywords/payment-innovation","display_name":"payment innovation","score":0.628000020980835},{"id":"https://openalex.org/keywords/young-consumers","display_name":"young consumers","score":0.7129999995231628},{"id":"https://openalex.org/keywords/consumer-credit-regulation","display_name":"consumer credit regulation","score":0.4909999966621399},{"id":"https://openalex.org/keywords/australia","display_name":"Australia","score":0.39100000262260437}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6323342323303223},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5767605900764465},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5452060103416443},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5053358674049377},{"id":"https://openalex.org/C2989499966","wikidata":"https://www.wikidata.org/wiki/Q664183","display_name":"Consumer protection","level":2,"score":0.45962703227996826},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.4480663537979126},{"id":"https://openalex.org/C510755694","wikidata":"https://www.wikidata.org/wiki/Q281095","display_name":"Financial regulation","level":2,"score":0.43299970030784607},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.4280732274055481},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.4249924123287201},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.34134727716445923},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.10306152701377869},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1111/acfi.13100","doi":"https://doi.org/10.1111/acfi.13100","is_oa":true,"landing_page_url":"https://doi.org/10.1111/acfi.13100","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/acfi.13100","source":{"id":"https://openalex.org/S4210171597","display_name":"Accounting and Finance","issn_l":"0810-5391","issn":["0810-5391","1467-629X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Accounting & Finance","raw_type":"journal-article"},{"id":"pmh:oai:pure.atira.dk:openaire/2f055dbb-e070-471f-89f4-848905a212f4","doi":null,"is_oa":true,"landing_page_url":"https://admin.research-repository.uwa.edu.au/en/publications/2f055dbb-e070-471f-89f4-848905a212f4","pdf_url":null,"source":{"id":"https://openalex.org/S4306402492","display_name":"UWA Profiles and Research Repository (UWA)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I177877127","host_organization_name":"The University of Western Australia","host_organization_lineage":["https://openalex.org/I177877127"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Powell, R, Do, A, Gengatharen, D, Yong, J & Gengatharen, R 2023, 'The relationship between responsible financial behaviours and financial wellbeing : The case of buy-now-pay-later', Accounting and Finance, vol. 63, no. 4, pp. 4431-4451. https://doi.org/10.1111/acfi.13100","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:ro.ecu.edu.au:ecuworks2022-2026-3431","doi":null,"is_oa":true,"landing_page_url":"https://ro.ecu.edu.au/ecuworks2022-2026/2431","pdf_url":null,"source":{"id":"https://openalex.org/S2765015692","display_name":"Australasian Journal of Paramedicine","issn_l":"2202-7270","issn":["2202-7270"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core","poland-20"],"host_organization":"https://openalex.org/I4405272673","host_organization_name":"Australasian College of Paramedicine","host_organization_lineage":["https://openalex.org/I4405272673"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Research outputs 2022 to 2026","raw_type":"text"}],"best_oa_location":{"id":"doi:10.1111/acfi.13100","doi":"https://doi.org/10.1111/acfi.13100","is_oa":true,"landing_page_url":"https://doi.org/10.1111/acfi.13100","pdf_url":"https://onlinelibrary.wiley.com/doi/pdfdirect/10.1111/acfi.13100","source":{"id":"https://openalex.org/S4210171597","display_name":"Accounting and Finance","issn_l":"0810-5391","issn":["0810-5391","1467-629X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","fnege-3","jufo-1","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Accounting & Finance","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.5683000087738037,"display_name":"Good health and well-being","id":"https://metadata.un.org/sdg/3"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4367318357.pdf","grobid_xml":"https://content.openalex.org/works/W4367318357.grobid-xml"},"referenced_works_count":70,"referenced_works":["https://openalex.org/W154509653","https://openalex.org/W1505040342","https://openalex.org/W1574791629","https://openalex.org/W1599094451","https://openalex.org/W1632279219","https://openalex.org/W1816674634","https://openalex.org/W1901747924","https://openalex.org/W1926888804","https://openalex.org/W1976353868","https://openalex.org/W1985117677","https://openalex.org/W1992426653","https://openalex.org/W1994590019","https://openalex.org/W1996814744","https://openalex.org/W2002779058","https://openalex.org/W2009984852","https://openalex.org/W2013904711","https://openalex.org/W2015974377","https://openalex.org/W2020594063","https://openalex.org/W2022614192","https://openalex.org/W2032243987","https://openalex.org/W2037305425","https://openalex.org/W2044566869","https://openalex.org/W2045845487","https://openalex.org/W2053503388","https://openalex.org/W2065522680","https://openalex.org/W2066720952","https://openalex.org/W2075957209","https://openalex.org/W2096233569","https://openalex.org/W2102309240","https://openalex.org/W2107653025","https://openalex.org/W2115232205","https://openalex.org/W2117597040","https://openalex.org/W2130403572","https://openalex.org/W2143501937","https://openalex.org/W2150607669","https://openalex.org/W2165409283","https://openalex.org/W2167015273","https://openalex.org/W2197006914","https://openalex.org/W2200307194","https://openalex.org/W2222145303","https://openalex.org/W2278666074","https://openalex.org/W2330336867","https://openalex.org/W2389433893","https://openalex.org/W2556784905","https://openalex.org/W2588157951","https://openalex.org/W2602831653","https://openalex.org/W2605481522","https://openalex.org/W2607130742","https://openalex.org/W2772432549","https://openalex.org/W2777468088","https://openalex.org/W2790426726","https://openalex.org/W2796561720","https://openalex.org/W2893644713","https://openalex.org/W2898465753","https://openalex.org/W2947780928","https://openalex.org/W2994467703","https://openalex.org/W3003463154","https://openalex.org/W3027592734","https://openalex.org/W3042479661","https://openalex.org/W3083334335","https://openalex.org/W3091570288","https://openalex.org/W3119899547","https://openalex.org/W3121736041","https://openalex.org/W3122226039","https://openalex.org/W3123107730","https://openalex.org/W3123417660","https://openalex.org/W3179580452","https://openalex.org/W3186342624","https://openalex.org/W3208723293","https://openalex.org/W4255333608"],"related_works":["https://openalex.org/W3186342624","https://openalex.org/W7128934830","https://openalex.org/W7171701592","https://openalex.org/W7118015629","https://openalex.org/W4403685275","https://openalex.org/W7163580793","https://openalex.org/W7164796643","https://openalex.org/W4411208100","https://openalex.org/W7143741142","https://openalex.org/W7161487683"],"abstract_inverted_index":{"Abstract":[0],"Buy\u2010now\u2010pay\u2010later":[1],"(BNPL)":[2],"in":[3],"Australia":[4],"is":[5,27],"a":[6,45,58,68],"rapidly":[7],"growing":[8],"payment":[9],"innovation.":[10],"Regulators":[11],"and":[12,36,63,78,81],"consumer":[13,31,37],"groups":[14,38],"have":[15,39],"expressed":[16],"concerns":[17],"at":[18,94],"the":[19,83],"financial":[20,34,49,53,79,84,99],"risks":[21],"posed":[22],"by":[23],"BNPL.":[24],"As":[25],"BNPL":[26,42,61],"not":[28],"regulated":[29],"under":[30,90],"credit":[32],"law,":[33],"regulator":[35],"recommended":[40,74],"that":[41,82],"users":[43,62,88],"adopt":[44],"range":[46],"of":[47,60,72,86,97],"responsible":[48,76],"behaviours":[50,77,85],"for":[51],"their":[52],"wellbeing.":[54,100],"This":[55],"study,":[56],"using":[57],"survey":[59],"structural":[64],"equation":[65],"modelling,":[66],"shows":[67],"link":[69],"between":[70],"most":[71],"these":[73],"financially":[75],"wellbeing":[80],"younger":[87],"(aged":[89],"25)":[91],"place":[92],"them":[93],"greater":[95],"risk":[96],"reduced":[98]},"counts_by_year":[{"year":2026,"cited_by_count":60},{"year":2025,"cited_by_count":39},{"year":2024,"cited_by_count":22},{"year":2023,"cited_by_count":5}],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2023-04-29T00:00:00"}