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Osama Wagdi

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Open access Jul 2026

Algorithmic Nudging and Financial Over-Indebtedness: A Longitudinal Panel Analysis of AI-Integrated BNPL in MENA E-Commerce

BNPL-specific financial literacy moderated the associations between algorithmic nudging, impulsive buying, and adverse financial outcomes, with the highest-literacy quartile exhibiting substantially attenuated debt trajectories.

Osama Wagdi, Walid Abouzeid, Heba Farid et al. · 0 citations