Goodfellawhy do you keep posting other people's views on bnpl?...

Goodfella

why do you keep posting other people's views on bnpl?
there is always going to be uppers and Downers of any idea
generally speaking when a new idea comes along and disrupts most will initially be adverse to change.
early adopters will give it a go and compare, setting the trend for the mass consumption of a new product
bnpl has past the early adopter phase and still in early stages of mass adoption.

the review you shared of a pet lover/finance expert (doubt they are an expert of much)could be a review on any finance. It lacks any sort of comparison statemnt. Ie if you got a credit card for 10 K from CBA bank you could be tricked into believing you can afford something you cant. Same can be said of ANY finance.
come up with something worthwhile hey.
while you're saying bnpl isn't worth investing in or trying out,these bnpl companies are experience 100-600 Perce t growth year on year. Growth speaks for itself
banks are experiencing a 5-10 Perce t decline month on month of new credit card applications and banks and ecommerce analysts call out the shift from credit cards to bnpl.
i think anyone here could say finance might be bad. Only buy what you can afford. But how are people going to buy houses? Cars? Etc if they don't have the 1 million up front to buy the ?
paypal and major banks in an attempt to claw back enormous losses of business and profits that are moving to bnpl companies are now having to for the first time in the history of banking and credit cards offer these zero interest cards (that are a glad way house to a early death for them since they aren't financially competitive with bnpl offers)

just bought some dog toothbrushes on Amazon, paid with Zip,looking forward to getting them.
im actually shying away from buying things now from ecommerce sites that don't offer bnpl,as it says to me these ecommerce companies are not with the times.

i would say in about 18 months bnpl will become main stream and the ecommerce companies not offering it will be playing catch up to their competitors that do. No eccomerce site wants to loose a sale because they didn't offer a simple payment plan their competitor offers. Then there will be another 2-3 years of the laggards playing catch-up,both from the consumers and the merchants. These laggards, like in any new product release or innovation are slow to adopt, adverse to change and they spend their time telling others it's a waste of time. This is just a fad that will die out.
good fella which one are you? An early adopter,the masses, or a laggard? Your posts suggests .....