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@article{190560,
        author = {Dr Nanda Chandrakant Indulkar},
        title = {Gender Differences in BNPL Adoption in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {5275-5279},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190560},
        abstract = {This research paper distinguishes the adoption of buy now pay later (BNPL) services in India on the basis of gender. As BNPL has evolved as most popular short term credit facility among young population on the online platform. It has been noticed that the adoption of this service is different between male and female customers. There are many factors responsible for this option of purchase such as intent of use, financial literacy and customer preferences etc. With the use of secondary data from sources like market surveys and industry reports. This study highlights measurable disparities in digital credit adoption in India. It also highlights the underlying causes and discusses socioeconomic implications for the online payment options in India.},
        keywords = {BNPL, Buy now pay later, Amazon, Flipkart, Gender, fintech},
        month = {January},
        }