{
    "statement": "of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year",
    "value_display": "11%",
    "value_numeric": 11,
    "unit": "%",
    "data_label": "2025",
    "data_period_end": "2025-10-31",
    "region": "USA",
    "size": "all",
    "source": {
        "name": "Federal Reserve Board publications (SHED report, FEDS Notes, speeches)",
        "publisher": "Board of Governors of the Federal Reserve System",
        "type": "official",
        "url": "https://www.federalreserve.gov/"
    },
    "source_url": "https://www.federalreserve.gov/newsevents/pressreleases/files/other20260513a1.pdf",
    "source_quote": "Eleven percent of BNPL users had a payment trigger an overdraft or non-sufficient funds (NSF) fee from their bank in the prior year.",
    "verification_note": "Read in the Federal Reserve Board SHED 2025 fact sheet (13 May 2026).",
    "verified_at": "2026-10-23T00:00:00+00:00",
    "margin_of_error": null,
    "dont_know": null,
    "data_table": null,
    "revisions": [],
    "page_url": "https://digitaltreed.com/statistics/ecommerce/bnpl-users-overdraft-fee",
    "csv_url": "https://digitaltreed.com/statistics/ecommerce/bnpl-users-overdraft-fee.csv"
}