Black Friday and Cyber Monday just witnessed Buy Now, Pay Later services smashing previous records. Shoppers are essentially borrowing their way through inflation instead of cutting back. When debt becomes the go-to strategy for everyday purchases, you've got to wonder what happens when the bill finally comes due.

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MissedAirdropBro

· 8h ago

Uh... Is this the current consumption logic? Borrowing money to get by means bankruptcy is not far away.

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MEVvictim

· 11-30 03:50

Instead of worrying about the Transaction History, it's better to worry about when you will become a sucker.

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GameFiCritic

· 11-30 03:46

Borrowing money to buy groceries, using credit to buy clothes... This consumption logic is really outrageous. The growth data of BNPL looks nice, but how's the underlying user retention rate and repeat purchase ROI? It feels like just pushing the payment risk further down the line, and it will eventually need to be settled.

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probably_nothing_anon

· 11-30 03:40

Damn, buy first and pay later is just digging a pit for yourself, and then you'll be shocked when a bunch of Transaction History gets dumped on you.

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PensionDestroyer

· 11-30 03:38

Buy now, pay later... You will have to repay it sooner or later. It feels good now, but later it will be a painful debt.

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ThesisInvestor