Which psychological principle is MOST responsible for the success of 'Buy Now, Pay Later' services in increasing consumer purchases?

Buy Now, Pay Later (BNPL) services have exploded in popularity in recent years, changing how consumers approach purchases. But what psychological principles make these payment options so appealing and effective at driving sales? Test your knowledge about the consumer psychology behind this retail innovation that's reshaping buying behavior across markets.

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Present bias (preference for immediate gratification while delaying costs)
Mere exposure effect (familiarity breeds preference)
Endowment effect (valuing owned items higher than non-owned items)
Social proof (following others' purchasing behavior)