6 citations · 14 across the 4 of their papers we have counts for
5 papers · 1 filter
Buy Now, Pay Later: Academic Insights and Open Policy Questions
Benedict Guttman-Kenney, Walter W. Zhang
Buy Now, Pay Later (BNPL) has moved from a novelty product to mainstream consumer finance in the space of a few years. Before 2020, BNPL was a niche offering at the checkouts of on…
Weighing Anchor on Credit Card Debt
Benedict Guttman-Kenney, Jesse Leary, Neil Stewart
We find it is common for consumers who are not in financial distress to make credit card payments at or close to the minimum. This pattern is difficult to reconcile with economic f…
Buy Now, Pay Later (BNPL)...On Your Credit Card
Benedict Guttman-Kenney, Christopher Firth, John Gathergood
We provide the first economic research on `buy now, pay later' (BNPL): an unregulated FinTech credit product enabling consumers to defer payments into interest-free instalments. We…
Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending
John Gathergood, Fabian Gunzinger, Benedict Guttman-Kenney +2
We show the recovery in consumer spending in the United Kingdom through the second half of 2020 is unevenly distributed across regions. We utilise Fable Data: a real-time source of…
The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data
John Gathergood, Benedict Guttman-Kenney
We find UK 'local lockdowns' of cities and small regions, focused on limiting how many people a household can interact with and in what settings, are effective in turning the tide…