Customer Perception of Amazon Pay Later Among University Students: A Critical Evaluation

Dr. Mourlin K

Abstract: This research critically evaluates university students? perception of Amazon Pay Later, a Buy Now Pay Later (BNPL) service, focusing on awareness, usage patterns, financial literacy, perceived benefits, and risks. Using primary survey data collected from 150 university students alongside secondary data analysis, the study identifies convenience and promotional attractiveness as key factors driving usage while highlighting financial knowledge gaps that can lead to impulsive spending and debt accumulation. The paper concludes with recommendations on financial education and responsible BNPL usage.

Keywords: Amazon Pay Later, financial well-being, consumer behaviour