The impact of buy now, pay later services on e-commerce sales

Maxmudova , Munisaxon

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

This thesis examines the impact of Buy Now, Pay Later (BNPL) services on e-commerce sales in the contextof the rapid development of digital commerce and embedded financial services. The relevance of the study is determinedby the growing integration of installment payment solutions into online marketplaces and their increasing role in consumerpurchasing decisions. Particular attention is paid to the mechanisms through which BNPL can influence purchase accessibility,conversion rates, average order value, purchase frequency, customer acquisition, and overall e-commerce sales.The study applies a descriptive and analytical approach based on academic literature, institutional reports, regulatorydocuments, and official statistical information. The analysis also considers the development of BNPL within Uzbekistan’sexpanding digital commerce ecosystem and emphasizes the importance of transparent financing conditions, responsiblecredit assessment, consumer protection, and financial sustainability. The findings indicate that, when implementedresponsibly, BNPL can serve as an effective financial and marketing instrument for supporting e-commerce growth andimproving consumer access to products.

Maqola ma’lumotlari
MualliflarMaxmudova , Munisaxon
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2026-09-05
Jild4
Betlar12-15
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-09-08

Maqolaning asl sahifasi

Kalit so‘zlar

Buy Now, Pay Later (BNPL), e-commerce, installment payments, digital payments, consumer behavior, online sales, average order value, conversion rate, embedded finance, Uzbekistan.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAMaxmudova , Munisaxon (2026). THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES. Муҳандислик ва Иқтисодиёт, 4, 12-15. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4186
GOST (OAK)Maxmudova , Munisaxon THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES // Муҳандислик ва Иқтисодиёт. – 2026. – T. 4. – P. 12-15.
MLAMaxmudova , Munisaxon. “THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES.” Муҳандислик ва Иқтисодиёт, 4, 12-15, 2026. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4186
ChicagoMaxmudova , Munisaxon. “THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES.” Муҳандислик ва Иқтисодиёт, 4, 12-15 (2026). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4186
HarvardMaxmudova , Munisaxon (2026) ‘THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES’, Муҳандислик ва Иқтисодиёт, 4, 12-15. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4186
BibTeX
@article{maxmudovamunisaxon2026,
  title = {THE IMPACT OF BUY NOW, PAY LATER SERVICES ON E-COMMERCE SALES},
  author = {Maxmudova , Munisaxon},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2026},
  volume = {4},
  pages = {12-15},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4186}
}

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