Someone posted this article an Afterpay thread from the NY Times. The reason I first bought into Sezzle is also mentioned in this article and that is that it allows the US customers to start building their credit rating which is important in America if you ever want to buy a house in the future. It's not as easy to buy a house in the US without a good credit rating. Unlike in Australia where you mainly just need a deposit and steady income. The more attention BNPL gets in American media the better.
"But Sezzle’s chief executive, Charlie Youakim, said his company allows users to opt in to having their payment record — good and bad — reported to help build their credit history. Fifteen percent of Sezzle’s 3 million active users don’t have one, he said. “If we don’t report we aren’t helping them get to the next stage,” Mr. Youakim said.
Afterpay and Affirm — along with competitors like Sezzle, Klarna and Zip — are only beginning to push into territory long dominated by credit cards, which accounted for 30.4 percent of online sales in the United States last year. That’s far more than the 1.7 percent from pay-later services. But their share is expected to nearly triple to 4.8 percent of sales — or $79.7 billion — by 2024"
