Buy Now, Pay Later service usage in the U.S. 2021-2025, by generation

Ever since the Buy Now, Pay Later payment method has become mainstream; Gen Z continues to take the throne over the next four years. In 2021, 36.8 percent of Gen Z digital buyers aged 14 and older were forecast to use BNPL services, compared with only 30.3 percent of millennial users. Gen X is also likely to adopt the BNPL payment method, reaching a 30 percent usage by 2025.

自“先买后付”的支付方式普及以来，Z世代持续引领潮流，预计在未来四年内仍将占据主导地位。2021年，预计14岁及以上的Z世代数码消费者中有36.8%将使用先买后付服务，相比之下，千禧一代用户的比例仅为30.3%。X世代亦有可能采纳此支付方式，预计到2025年其使用率将达到30%。