My opinion
rising interest rates will have negligible effect on bnpl
whats 3 or 4 % amortised over 30 days? Bugger all
yes some people won’t make the repayments but they will be booted from the platform and credit rating cooked. What’s the downside for small non payers? Not much on micro loans. It’s a good way to sort out the good payers from the bad without much downside (micro).
what’s an ambitious hard working young person who needs to buy uni text books or there grandma a birthday present going to choose, credit cards or Bnpl?
big future
IMO dyor
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