Afterpay in the News in the US (positive) :), page-8

Can someone help me on my thoughts here about fintech stocks and APT... Am I right that with the analogy that Split payments on e-commerce sites is the way of the future, consumer habits seem to be heading this way... and with the perceived decrease in capital flow in our markets & consumer spending makes split payment technology more attractive than paying in full... is it the millennial way of purchasing?
Just trying to grasp where the market is heading... even in times of economic hardship.

Thanks in advance.

Any links or data appreciated.