{"id":3687332,"date":"2026-04-29T04:00:42","date_gmt":"2026-04-29T08:00:42","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3687332"},"modified":"2026-04-28T09:01:09","modified_gmt":"2026-04-28T13:01:09","slug":"49percent-of-gen-z-say-bnpl-shapes-where-they-book-travel","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/bnpl\/2026\/49percent-of-gen-z-say-bnpl-shapes-where-they-book-travel\/","title":{"rendered":"49% of Gen Z Say BNPL Shapes Where They Book Travel"},"content":{"rendered":"<p style=\"font-weight: 400;\">For younger shoppers, buy now, pay later is not just a way to split a purchase. It is often a factor in where they choose to spend in the first place.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3687332#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2699550-o1\" \/><input type=\"hidden\" 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completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3687332\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/bnpl\/2026\/49percent-of-gen-z-say-bnpl-shapes-where-they-book-travel\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"163\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p style=\"font-weight: 400;\">That\u2019s among the sharpest findings in\u00a0\u201c<a href=\"https:\/\/www.pymnts.com\/study_posts\/financing-the-decision-how-bnpl-and-installments-reshape-merchant-choice\/\">Financing the Decision: How BNPL and Installments Reshape Merchant Choice<\/a>,\u201d the latest PYMNTS Intelligence\u00a0Pay Later Ecosystem Report. Drawing on a survey of 2,763 U.S. consumers, the report finds BNPL carries the most weight when shoppers are comparing similar merchants and have room to deliberate. The effect is most pronounced among millennials and Gen Z, who are significantly more likely than older consumers to say financing availability shapes their decision on where to buy.<\/p>\n<ul>\n<li style=\"font-weight: 400;\">62%\u00a0of millennials say BNPL influences their choice of merchant for travel, compared with\u00a037%\u00a0of consumers overall and\u00a05%\u00a0of baby boomers. Gen Z is not far behind at\u00a049%.<\/li>\n<li style=\"font-weight: 400;\">In food delivery,\u00a043%\u00a0of Gen Z and\u00a044%\u00a0of millennials say BNPL influences where they shop, versus\u00a010%\u00a0of baby boomers and seniors.<\/li>\n<li style=\"font-weight: 400;\">In healthcare,\u00a055%\u00a0of Gen Z say merchant-offered installment plans influence where they seek medical or dental care. According to the report, no other generation comes close.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">The deeper point is that younger consumers are treating financing as part of the shopping experience, not as an afterthought.<\/p>\n<p style=\"font-weight: 400;\">The responses show that BNPL has the most sway in categories where people can compare providers, such as travel, events, home services and food delivery. In those situations, financing can help one merchant stand out from another offering a similar product or service.<\/p>\n<p style=\"font-weight: 400;\">That gives retailers and service providers a practical opening. Clear payment options at checkout can help them win business from younger buyers who are already inclined to use these tools.<\/p>\n<p style=\"font-weight: 400;\">The report also suggests that younger consumers are broadening where they use financing. For Gen Z, the influence of installment plans extends beyond discretionary spending and into medical and dental care, where 55% say financing availability affects provider choice.<\/p><div id=\"pymnt-1519289964\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p style=\"font-weight: 400;\">The findings depict this as a distinct generational pattern, with younger adults approaching healthcare costs much as they do other major purchases by looking at both the service and the payment options attached to it. That points to a larger shift in consumer expectations. For a growing share of younger adults, flexible payment tools are becoming part of the standard package.<\/p>\n<p style=\"font-weight: 400;\">Other data points reinforce that BNPL\u2019s influence is concentrated in groups already using pay-later products. Fourteen percent of consumers used BNPL in the last three months, and among those users the effect on merchant choice is far stronger than it is for non-users.<\/p>\n<p style=\"font-weight: 400;\">The report says non-users are largely unmoved, while existing users often let financing shape choices in the same categories where they already rely on it. That dynamic may be good news for merchants targeting younger consumers. It suggests that once shoppers become comfortable using these products, financing can help build repeat business and stronger loyalty over time.<\/p>\n<p style=\"font-weight: 400;\"><em>At PYMNTS Intelligence, we work with businesses to uncover insights that fuel intelligent, data-driven discussions on changing customer expectations, a more connected economy and the strategic shifts necessary to achieve outcomes. With rigorous research methodologies and unwavering commitment to objective quality, we offer trusted data to grow your business. As our partner, you\u2019ll have access to our diverse team of PhDs, researchers, data analysts, number crunchers, subject matter veterans and editorial experts.<\/em><\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3687332;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>For younger shoppers, buy now, pay later is not just a way to split a purchase. It is often a factor in where they choose to spend in the first place. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1373365,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[66522],"tags":[53057,48452,4954,65045,13328,14087,9206,67601,133069,9621,70065,4710],"class_list":["post-3687332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bnpl","tag-bnpl","tag-buy-now-pay-later","tag-consumer-spending","tag-data-brief","tag-featured-news","tag-gen-z","tag-news","tag-pymnts-intelligence","tag-pymnts-news","tag-retail","tag-the-data-point","tag-travel"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>49% of Gen Z Say BNPL Shapes Where They Book Travel<\/title>\n<meta name=\"description\" content=\"BNPL is gaining traction as a checkout differentiator for Gen Z and millennial shoppers, particularly in travel choices.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/bnpl\/2026\/49percent-of-gen-z-say-bnpl-shapes-where-they-book-travel\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"49% of Gen Z Say BNPL Shapes Where They Book Travel | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"For younger shoppers, buy now, pay later is not just a way to split a purchase. 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