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Research paper · MM-2026-001 · October 25, 2026 · Jenny Moya

Performative Consumption: How Seasonal Content, Social Media, and Buy Now, Pay Later Turn Display into Debt

How shopping for the camera, a year-round seasonal calendar, and buy now, pay later credit reinforce one another, with an evidence review and five testable hypotheses.

Moya, J. (2026). Performative consumption: How seasonal content, social media, and buy now, pay later turn display into debt (MM-2026-001). Moya & Moya Research and Consulting. https://moya.money/research/performative-consumption/

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Portrait of Jenny Moya

Jenny Moya

Founder and lead researcher

Jenny writes about following the money, from how social media, seasonal retail, and buy now, pay later credit shape household spending and debt to the finances behind global security threats. She is a graduate of Tulane University’s School of Professional Advancement, with a graduate degree in Intelligence Studies.

  • EducationGraduate degree in Intelligence Studies, Tulane University School of Professional Advancement
  • CertificationHealth and Wellness Coach, American Council on Exercise

jenny@moya.money

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