Have you ever used a Buy Now, Pay Later service to make a purchase?* Yes No Have you ever regretted purchasing an item because it was too expensive?* Yes No Have you fallen behind on making a payment?* Yes No Have you ever been denied a purchase due to credit or income?* Yes No Have you ever purchased an item for less than $50 through a Buy Now, Pay Later service?* Yes No How likely are you to make a late payment within the next 12 months?* Very Unlikely Unlikely Neutral Likely Very Likely Do you prefer Buy Now, Pay Later services compared to credit cards?* Yes No Why do you prefer Buy Now, Pay Later over credit cards?* Easier to make payments More flexibility Lower interest rates Easy approval process Credit cards are maxed out I have a low credit card limit Other Please specify your other reason(s): Do you believe Buy Now, Pay Later will eventually replace credit cards?* Yes No Unsure How often do you use Buy Now, Pay Later services?* More than once a week Once a week Once a month Less than once a month Never How often do you use Buy Now, Pay Later services when shopping online?* All of the time Most of the time Some of the time Rarely Never What was the approximate amount of the last item you purchased using Buy Now, Pay Later?*How much do you owe to Buy Now, Pay Later services?*How much do you pay per month to Buy Now, Pay Later services?*How many items are you currently paying for in installments?*Have you used a Buy Now, Pay Later service in the last two years?* Yes No Did you purchase an unnecessary item during the last two years you couldn’t afford?* Yes No In the last two years, did you purchase more unnecessary items using Buy Now, Pay Later that you otherwise couldn’t afford?* Yes No What were the most common types of purchases you made in the last two years?* Clothing Electronics Furniture Appliances Entertainment Housewares Cosmetics Food + Drink Exercise/sports equipment Accessories/Jewlery Other Which Buy Now, Pay Later services have you used?* Afterpay Affirm Klarna PayPal Credit Perpay Sezzle Splitit Uplift Zebit Zip (Quadpay) Other Which specific Buy Now, Pay Later service do you use most often?* How much of your shopping was done online during the last year?* All More than half Less than half None Are you currently making a payment or payments through Buy Now, Pay Later?* Yes No Do you believe it’s financially risky to use Buy Now, Pay Later services?* Yes No Depends on the situation Unique ID Δ