This may be offered at various retailers in to the future - though its not a new concept.
Store credit has been an alternative to laybuy over the years, however will generally come with high interest rates/fees/higher price than if you paid upfront.
The risk would also then be on the vendor, which means costly systems/checks would have to be setup prior to offering such a service. It is here that APT has quite the beautiful model - allowing retailers/vendors to avert credit risk & allowing greater sales & turnover.
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