Some of the shopping habits myight be based or related to cultural background that certain percentage of Asians would like to be financial secured which means they're rather to have enough money in their bank account instead of spending credit the future income. And even they use credit card they would have had enough money in account. The purpose for them to using credit payments could probably just for the discount benefits and shopping points.
Actually I have always doubt for the credit/bnpl market in Asia. Yes the population and the markets is huge but what about the willingness.
$1 Club, page-251
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