Have businesses changed consumer behaviour by making debt feel normal? This blog explores the rise of buy now, pay later services such as Frasers Plus, Klarna and Clearpay, and questions whether younger consumers are being encouraged to spend more through monthly payments and instant gratification.

Walk into McDonald's and the self-service kiosks look like a simple upgrade. Faster ordering, fewer queues, more convenience. But from a behavioural psychology and business perspective, they serve a much more strategic purpose. They are designed to influence how customers make decisions and ultimately increase how much they spend.