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This paper investigates how credit reporting regulations impact the usage of buy-now-pay-later (BNPL) services and consumer credit behavior. It analyzes a dataset of BNPL users and examines the effects
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BIS working papers refer to the documentation prepared by the Bank for International Settlements, which discuss various international financial issues and research findings.
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Typically, researchers and policymakers in financial institutions, central banks, and international organizations are expected to contribute to or refer to BIS working papers.
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