The holiday season, traditionally a time of festivity and gift-giving, has always been a significant driver of US retail rales.

Over the years, consumers behaviors and spending habits have evolved, with technological innovations and market shifts playing a role.

One such innovation that’s leaving an indelible mark on holiday spending is Buy now, pay later (BNPL).

Through an analysis of survey data with n=3,012 Americans, this report delves into the intricacies of US holiday spending, with a focus on the growing role of BNPL.

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