BNPL and Financial Stress — Research Questionnaire
Answer the screening question first; if you haven’t used BNPL in the last 6 months, the survey will end immediately.
In the last 6 months, have you used any Buy Now Pay Later (BNPL) service?
*
Yes
No
SECTION A — Pattern of BNPL Usage
In the past 6 months, approximately how many purchases have you made using a BNPL service?
*
1–2 times
3–5 times
6–10 times
11–20 times
More than 20 times
How many BNPL accounts or repayment commitments do you currently have outstanding?
*
None — all cleared
1
2
3
4 or more
SECTION B — Perception of Affordability
How far do you agree with the following?
*
Rows
1 — Strongly disagree
2 — Disagree
3 — Neutral
4 — Agree
5 — Strongly agree
Splitting a payment into instalments makes a purchase feel more affordable to me.
When considering a BNPL purchase, I focus on the instalment amount rather than the full price of the item.
I always know the total amount I currently owe across all my BNPL commitments.
SECTION C — Financial Stress and Repayment Experience
How often do you worry about being able to make your BNPL repayments on time?
*
Never
Rarely
Sometimes
Often
Always
Thinking about your overall financial situation at present, how much stress do you feel?
*
No stress at all
Slight stress
Moderate stress
High stress
Overwhelming stress
In the past 6 months, how often have you delayed a BNPL repayment, paid a late fee, or borrowed from another source in order to meet a repayment?
*
Never
Once
2–3 times
4–5 times
More than 5 times
SECTION D — Financial Literacy and Income Stability
Suppose you had ₹10,000 in a savings account earning 5% interest per year. If you left the money untouched, how much would be in the account after 5 years?
*
More than ₹12,500
Exactly ₹12,500
Less than ₹12,500
Do not know
Which of the following best describes your monthly income?
*
Fixed and predictable every month
Mostly fixed, with small variation
Varies considerably from month to month
No regular income of my own
RESPONDENT PROFILE
Age group
*
18–24
25–30
31–35
36–40
Above 40
Gender
*
Female
Male
Prefer not to say
Present occupation
*
Student
Salaried employee
Self-employed or business
Not currently working
Approximate monthly personal income
*
Below ₹25,000
₹25,000 – ₹50,000
₹50,001 – ₹1,00,000
Above ₹1,00,000
Prefer not to say
Submit
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