2. Traditional vs. Fee-Based BNPL Schemes
3. Three Approaches to Financial Services Regulation
4. BNPL Regulation around the World—The Broader Context of Comparison
4.1. United Kingdom
4.3. New Zealand
4.5. United States of America (US)
5. The Specific Context: BNPL Regulation in Australia
6. Evaluating Regulation in Terms of Results and Behaviour: At a Minimum Avoid Market Failure
6.1. Regulation Being Subject to Capture
6.2. Consumer Protection Failures: General Consumer Detriment, Asymmetric Information, and Not Knowing Own Best Interests
6.2.1. General Consumer Considerations, Such as the Effects of Indebtedness on Consumers
6.2.2. Specific Academic Consumer Considerations: Asymmetric Information and Not Knowing Own Best Interests
Institutional Review Board Statement
Informed Consent Statement
Data Availability Statement
Conflicts of Interest
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