This study aims to examine the relationships between Buy Now, Pay Later (BNPL) adoption, convenience, and online purchase behavior, as well as the moderating effects of self-control, mental accounting, and positive buying attitude among students.
本研究旨在探讨大学生群体中“先买后付（Buy Now, Pay Later, BNPL）”使用、便利性与网络购买行为之间的关系，以及自我控制、心理账户和积极购买态度的调节作用。
Your participation in this study is entirely voluntary. All responses will be kept strictly confidential and will be used solely for academic research purposes. There are no right or wrong answers; we are interested in your honest opinions and personal experiences.
您参与本研究完全出于自愿。所有问卷信息将严格保密，仅用于学术研究。本问卷不存在对错之分，我们更关注您真实的观点与个人体验。
The questionnaire will take approximately 5–8 minutes to complete.
本问卷预计耗时约5—8分钟。
Thank you for your time and valuable contribution.
Demographic Factors / 人口统计信息 1. Age / 年龄 Under18 / 18岁以下 18-20 / 18—20岁 21-23 / 21—23岁 Above23 / 23岁以上
2. Gender / 性别 Female / 女性 Male / 男性 Prefer not to say / 不愿透露
3. Education / 年级/学历阶段 Freshman / 大一 Sophomore / 大二 Junior / 大三 Senior / 大四 Master / 硕士研究生 Doctor / 博士研究生
4. Monthly Income / 月收入 Below1000 RMB / 1000元以下 1000-3000 RMB / 1000—3000元 3000-5000 RMB / 3000—5000元 5000-7000 RMB / 5000—7000元 7000-9000 RMB / 7000—9000元 Above9000 RMB / 9000元以上
Variables / 变量测量题项 Please indicate your level of agreement with each statement using the following scale: / 请根据您的实际情况，选择您对以下陈述的同意程度： 1 = Strongly Disagree / 非常不同意 5. BNPL Adoption / 先买后付使用
I frequently use BNPL services when shopping online. / 我在网上购物时经常使用先买后付服务。
I prefer BNPL over traditional payment methods. / 相比传统支付方式，我更倾向于使用先买后付。
BNPL makes it easier for me to purchase products. / 先买后付让我更容易购买商品。
6. Convenience / 便利性
BNPL can save time when making a purchase. / 使用先买后付可以节省购物支付时间。
BNPL is convenient to use. / 先买后付使用起来很方便。
BNPL makes online shopping easier. / 先买后付让网上购物更加容易。
7. Self-control / 自我控制
I find it difficult to control my spending. / 我觉得自己较难控制消费支出。
I often buy a product when I see the advertisement. / 看到广告后，我经常会购买相关产品。
I have difficulty resisting attractive products. / 面对有吸引力的商品时，我较难抵抗购买冲动。
8. Mental Accounting / 心理账户
I feel less pressure when using BNPL. / 使用先买后付时，我会感觉支付压力较小。
I do not consider BNPL to be a debt. / 我不太会把先买后付看作一种债务。
I often use BNPL to purchase products because I feel happy. / 我经常因为使用先买后付会让我感到开心而选择购买商品。
9. Online Purchase Behavior / 网络购买行为
I often make purchases online. / 我经常在网上购物。
I tend to choose shopping online. / 我更倾向于选择网上购物。
I think online purchase is better than all the other ways. / 我认为网上购物比其他购物方式更好。
10. Positive Buying Attitude / 积极购买态度
I enjoy shopping online. / 我喜欢网上购物。
I feel happy when I shop online. / 网上购物时我会感到开心。
I feel comfortable when I buy products. / 购买商品时我会感到舒适。