Lawrence Ang

Lawrence Ang

Lawrence Ang is a researcher and co-author of the 2025 Journal of Retailing paper on the influence of the buy-now-pay-later payment mode on consumer spending decisions.

Who they are

The work of Lawrence Ang reaches this site through the paper listed below. On this site the name is tied to Buy Now, Pay Later.

Key papers

Ashby, R., Sharifi, S., Yao, J., & Ang, L. (2025). The influence of the buy-now-pay-later payment mode on consumer spending decisions. Journal of Retailing, 101(1), 103-119. What it reports: Buy now, pay later raises spending more than credit cards; the display of the price as small instalments drives it; instalment pricing has no effect with other payment methods; spending rises further with more instalments or a smaller first instalment; purchase data and experiments show lower perceived expensiveness explains the rise.

Key ideas

Buy Now, Pay Later: A point-of-sale option that splits a purchase into instalments, studied for its effect on perceived expense and spending.

Sources

  1. Ashby, R., Sharifi, S., Yao, J., & Ang, L. (2025). The influence of the buy-now-pay-later payment mode on consumer spending decisions. Journal of Retailing, 101(1), 103-119.