4,647
Views
1
CrossRef citations to date
0
Altmetric
Articles

Buy now pay later services as a way to pay: credit consumption and the depoliticization of debt

, , , , , , & show all
Pages 245-257 | Received 05 Apr 2022, Accepted 26 May 2023, Published online: 02 Jun 2023

References

  • Adkins, L. 2018. The Time of Money. Stanford: Stanford University Press.
  • AFIA (Australian Finance Industry Association). 2022. The Economic Impact of Buy Now Pay Later in Australia. Report. https://afia.asn.au/files/galleries/AFIA_BNPL_Research_Report.pdf.
  • Allon, F. 2014. “The Feminisation of Finance.” Australian Feminist Studies 29 (79): 12–30. doi:10.1080/08164649.2014.901279.
  • Anderson, B. 2014. Encountering Affect: Capacities, Apparatuses, Conditions. Aldershot: Ashgate.
  • Anderson, B. 2016. “Neoliberal Affects.” Progress in Human Geography 40 (6): 734–753. doi:10.1177/0309132515613167.
  • Ash, J., B. Anderson, R. Gordon, and P. Langley. 2018. “Digital Interface Design and Power: Friction, Threshold, Transition.” Environment and Planning D 36 (6): 1136–1153. doi:10.1177/0263775818767426.
  • ASIC (Australian Securities and Investment Commission). 2018. Review of Buy Now Pay Later Arrangements. REP600. Canberra, Australia.
  • Bajde, D., and P. Rojas-Gaviria. 2021. “Creating Responsible Subjects: The Role of Mediated Affective Encounters.” Journal of Consumer Research 48 (3): 492–512. doi:10.1093/jcr/ucab019.
  • Banks, M., G. Marston, R. Russell, and H. Karger. 2015. “‘In a Perfect World it Would be Great if They Didn’t Exist’: How Australians Experience Payday Loans.” International Journal of Social Welfare 24 (1): 37–47. doi:10.1111/ijsw.12083.
  • Berlant, L. 2008. The Female Complaint. London: Duke University Press.
  • Bernthal, M. J., D. Crockett, and R. Rose. 2005. “Credit Cards as Lifestyle Facilitators.” Journal of Consumer Research 32 (1): 130–145. doi:10.1086/429605.
  • Dagdeviren, H., J. Balasuriya, S. Luz, A. Malik, and H. Shah. 2020. “Financialization, Welfare Retrenchment and Subsistence Debt in Britain.” New Political Economy 25 (2): 159–173. doi:10.1080/13563467.2019.1570102.
  • Davey, R. 2019. “Mise en Scéne: The Make-Believe Space of Over-Indebted Optimism.” Geoforum; Journal of Physical, Human, and Regional Geosciences 98: 327–334. doi:10.1016/j.geoforum.2018.10.026.
  • Dawney, L., S. Kirwan, and R. Walker. 2020. “The Intimate Spaces of Debt: Love, Freedom and Entanglement in Indebted Lives.” Geoforum; Journal of Physical, Human, and Regional Geosciences 110, 191–199. doi:10.1016/j.geoforum.2018.11.006.
  • Deville, J. 2015. Lived Economies of Default: Consumer Credit, Debt Collection and the Capture of Affect. New York: Routledge.
  • Dobson, A., B. Robards, and N. Carah. 2018. Digital Intimate Publics and Social Media. Cham: Palgrave.
  • Farrugia, D., J. Cook, K. Senior, S. Threadgold, J. Coffey, K. Davies, A. Haro, and B. Shannon. 2022. “Youth and the Consumption of Credit.” Current Sociology. Online first, doi:10.1177/00113921221114925.
  • FCA (Financial Counselling Australia). 2021. It’s Credit, It’s Causing Harm and it Needs Better Safeguards: What Financial Counsellors Say About buy now, Pay Later. Melbourne: FCA.
  • Federici, S. 2014. “From Commoning to Debt: Financialization, Microcredit, and the Changing Architecture of Capital Accumulation.” The South Atlantic Quarterly 113 (2): 231–244. doi:10.1215/00382876-2643585.
  • Gerrans, P., D. Baur, and S. Lavagna-Slater. 2021. “Fintech and Responsibility: Buy-now-pay-Later Arrangements.” Australian Journal of Management. Advance online publication. doi:10.1177/03128962211032448.
  • Holman, A. 2017. “Content Analysis, Process of.” In The SAGE Encyclopedia of Communication Research Methods, edited by A. R. Herman, 245–248. California: Sage.
  • Holt, D. B. 2004. “Jack Daniel’s America: Iconic Brands as Ideological Parasites and Proselytizers.” Journal of Consumer Culture 6 (3): 355–377. doi:10.1177/1469540506068683.
  • Johnson, D., J. Rodwell, and T. Hendry. 2021. “Analysing the Impacts of Financial Services Regulation to Make the Case That buy-now-pay-Later Regulation is Failing.” Sustainability 13 (4): 1992. doi:10.3390/su13041992.
  • Jones, H. A. 2016. “New Media Producing New Labor: Pinterest, Yearning and Self-Surveillance.” Critical Studies in Media Communication 33 (4): 352–365. doi:10.1080/15295036.2016.1220017.
  • Kanai, A. 2019. Gender and Relatability in Digital Culture: Managing Affect, Intimacy and Value. Cham: Palgrave.
  • Kukar-Kinney, M., and A. Close. 2009. “The Determinants of Consumers’ Online Shopping Cart Abandonment.” Journal of the Academy of Marketing Science 38: 240–250. doi:10.1007/s11747-009-0141-5.
  • Langley, P. 2008. “Financialization and the Consumer Credit Boom.” Competition & Change 12 (2): 133–147. doi:10.1179/102452908X289794.
  • Langley, P. 2014a. “Consuming Credit.” Consumption Markets & Culture 17 (5): 417–428. doi:10.1080/10253866.2013.849594.
  • Langley, P. 2014b. “Equipping Entrepreneurs: Consuming Credit and Credit Scores.” Consumption Markets & Culture 17 (5): 448–467. doi:10.1080/10253866.2013.849592.
  • Langley, P., B. Anderson, J. Ash, and R. Gordon. 2019. “Indebted Life and Money Culture: Payday Lending in the United Kingdom.” Economy and Society 48 (1): 30–51. doi:10.1080/03085147.2018.1554371.
  • Lazzarato, M. 2012. The Making of Indebted Man. Los Angeles, CA: Semiotext(e).
  • Lee, J., and T. Ingold. 2020. “Fieldwork on Foot: Perceiving, Routing, Socializing.” In Locating the Field, edited by S. Coleman, and P. Collins, 67–85. Oxford: Berg.
  • Lury, C. 2004. Brands: The Logos of the Global Economy. London: Routledge.
  • Marron, D. 2014. “‘Informed, Educated and More Confident’: Financial Capability and the Problematization of Personal Finance Consumption.” Consumption Markets & Culture 17 (5): 491–511. doi:10.1080/10253866.2013.849590.
  • Martin, R. 2002. Financialization of Daily Life. Philadelphia: Temple University Press.
  • Massumi, B. 2002. Parables for the Virtual: Movements, Affect, Sensation. Durham, NC: Duke University Press.
  • McRobbie, A. 2009. The Aftermath of Feminism: Gender, Culture and Social Change. London: Sage.
  • NCOSS (NSW Council of Social Services). 2021. Young People and BNPL: An NCOSS ‘Cost of Living in NSW’ Report. Woolloomooloo: NCOSS.
  • Nelson, J. A. 2015. “Are Women Really More Risk-Averse Than Men? A Re-analysis of the Literature Using Expanded Methods.” Journal of Economic Surveys 29 (3): 566–585. doi:10.1111/joes.12069.
  • Pellandini-Simányi, L., and Z. Vargha. 2020. “How Risky Debt Became Ordinary: A Practice Theoretical Approach.” Journal of Consumer Culture 20 (2): 235–254. doi:10.1177/1469540519891293.
  • Phillips, B. J., J. Miller, and F. McQuarrie. 2014. “Dreaming Out Loud on Pinterest.” International Journal of Advertising 33 (4): 633–655. doi:10.2501/IJA-33-4-633-655.
  • RBA (Reserve Bank Australia). 2021. “Developments in the Buy Now Pay Later Market.” Bulletin – March 2021. https://www.rba.gov.au/publications/bulletin/2021/mar/developments-in-the-buy-now-pay-later-market.html.
  • Reade, J. 2021. “Keeping it Raw on the ‘Gram: Authenticity, Relatability and Digital Intimacy in Fitness Cultures on Instagram.” New Media & Society 23 (3): 535–553. doi:10.1177/1461444819891699.
  • Roberts, A., and S. Soederberg. 2014. “Politicizing Debt and Denaturalising the ‘new Normal’.” Critical Sociology 40 (5): 657–668. doi:10.1177/0896920514528820.
  • Soederberg, S. 2014. Debtfare States and the Poverty Industry: Money, Discipline and the Surplus Population. Abingdon: Routledge.
  • Stegman, M. A. 2007. “Payday Lending.” Journal of Economic Perspectives 21 (1): 169–190. doi:10.1257/jep.21.1.169.
  • Wetherell, M. 2012. Affect and Emotion: A New Social Science Understanding. London: Sage.
  • Williams, R. 1971. Drama from Ibsen to Brecht. London: Chatto & Windus.
  • Yi’En, C. 2014. “Telling Stories of the City: Walking Ethnography, Affective Materialities, and Mobile Encounters.” Space and Culture 17 (3): 211–223. doi:10.1177/1206331213499468.