Decision Making Process

You want to buy new sneakers for RM300. You see a BNPL option saying “Pay in 3 months with no interest.” What should you check?

• Whether your friend already bought the same shoes

• Your ability to pay on time every month

• If the shoes come in your favourite color

A student used SSPayLater but now can’t afford to payback RM632 monthly. What’s one possible risk?

• The items might be returned

• SSpayLater will give a reward

• Late payment fees and credit risk

If your best friend is planning to buy a gaming chair using BNPL, what’s the best advice you can give?

• “Do it now, pay later is cool!”

• “Save money, buy later”

• “Wait until the chair goes out of stock.”

What is the first step in the decision-making process?

• Identify the problem

• Ignore the problem

• Solve the problem

Which of the following is a good question to ask when making a decision?

• “What are the consequences of this choice?”

• “What will my friends think?”

• “Will I get more likes on Instagram?”

What helps you make a better decision?

• Doing what others are doing

• Asking for advice or information

• Acting fast without thinking much