This research explores how buy now, pay later services are becoming normalised among young consumers in the UK. The study examines how marketing, checkout integration, and psychological framing shape perceptions of debt, arguing for stronger regulation, improved consumer protection, and greater financial literacy to address emerging financial risks among younger generations.

This research examines how social networks influence life outcomes, showing that cross-income friendships significantly improve earnings, well-being, and social trust for low-income individuals. Using large-scale data, it demonstrates that environment shapes opportunity, highlighting the importance of institutions like universities in fostering connections that can transform lives and promote social mobility.