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Shreyas Pahune

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Review Open access Sep 2026

The Rise of BNPL in India: Credit Innovation or Consumer Risk?

Buy Now, Pay Later (BNPL) has emerged as one of the most consequential financial innovations in India's post-pandemic digital economy, promising credit access to a population historically excluded from the formal credit system while concurrently drawing policy concerns over consumer debt risk, opaque pricing, and syste...

Shreyas Pahune · 0 citations

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