![Buy Now. Pain Later?](https://cdn.magzter.com/1354588640/1659448742/articles/op6nhT8Ya1659677654938/Shopping.jpg)
When 32-year-old editor Samantha Tan signed up for a BNPL (buy now, pay later) platform last year, it was mostly to redeem discounts. Her first few transactions were seamless, but it was only when she tried returning an online purchase that things got complicated: The staff told her to complete the instalments in full so they could give her a cash refund at the store.
But because it was an online purchase, she had to schedule a pickup, which never happened. She’s now stuck with the items, and does not have a solution at hand. She adds: “The annoying thing was that I did have the money to spend. It was just an impulse buy at the end of the month and I wanted to feel less guilty about spending.”
You might have seen the eye-catching signs of Atome, Hoolah and Pace at the check-out counters of both offline and e-commerce retailers. This is how they work: You rack up a bill of, say, $200, and you have the option to pay the full sum instantly using conventional methods (cash, debit or credit card), or use a BNPL platform to split the interest-free payment over a couple of months.
Many retailers also offer rewards and discounts only for BNPL users. You also have the option of clearing your debts ahead of time, without incurring a fee.
In Singapore, a 2021 research report by consumer research and analytics company Milieu Insight noted that around 19 per cent of the adult population have used a BNPL platform, out of which, 73 per cent attested that they would continue doing so. In 2021, BNPL transactions amounted to US$317 million ($441 million) in Singapore (which accounts for less than 0.5 per cent of total credit and debit transactions), and are predicted to increase to an estimated US$3 billion ($4 billion) by 2028, according to a PayNXT360 report.
هذه القصة مأخوذة من طبعة August 2022 من Her World Singapore.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
بالفعل مشترك ? تسجيل الدخول
هذه القصة مأخوذة من طبعة August 2022 من Her World Singapore.
ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.
بالفعل مشترك? تسجيل الدخول
![The Rise Of Tradwives](https://reseuro.magzter.com/100x125/articles/1930/1685820/b11N7zwO51715324794637/crp_THE-RISE-OF-TRADWIVES.jpg)
The Rise Of Tradwives
Is this just another fancy name for a stay-at-home mum?
![Independent Woman](https://reseuro.magzter.com/100x125/articles/1930/1685820/bTYg22_eV1715322937606/crp_INDEPENDENT-WOMAN.jpg)
Independent Woman
Tap on floral prints, flowy skirts, sharp tailoring and sporty details for a new take on power dressing.
![Buying An Independent Watch? Here's How To Find A Good One.](https://reseuro.magzter.com/100x125/articles/1930/1685820/y_IGVGe011715323736116/crp_BUYING-AN-INDEPENDENT-WATCH-HERES-HOW-TO-FIND-A-GOOD-ONE.jpg)
Buying An Independent Watch? Here's How To Find A Good One.
Karishma Tulsidas answers.
![Would You Swipe Right On Feminism?](https://reseuro.magzter.com/100x125/articles/1930/1685820/dKXUXT14A1715322726237/crp_WOULD-YOU-SWIPE-RIGHT-ON-FEMINISM.jpg)
Would You Swipe Right On Feminism?
In the debut instalment of this new opinion column, a single Singaporean declares that in her search for a long-term partner, there's nothing more attractive than a man who embraces gender equality.
![The Orange Peel Theory](https://reseuro.magzter.com/100x125/articles/1930/1685820/T82QkQ_DG1715324901170/crp_THE-ORANGE-PEEL-THEORY.jpg)
The Orange Peel Theory
Would you break up with your partner over peeled fruit? This latest social media trend might just be the unlikely dealbreaker.
![You Shouldn't Feel Guilty About Taking A Vacation](https://reseuro.magzter.com/100x125/articles/1930/1685820/4TK_0ll661715323961970/crp_YOU-SHOULDNT-FEEL-GUILTY-ABOUT-TAKING-A-VACATION.jpg)
You Shouldn't Feel Guilty About Taking A Vacation
Even though you've booked that much-needed vacation, you might find yourself hesitant to take the time off. How do you address the guilt that may be weighing you down, and actually enjoy your holiday?
![Let Your Emotions Go](https://reseuro.magzter.com/100x125/articles/1930/1685820/Rrx_Wg1OH1715321910970/crp_LET-YOUR-EMOTIONS-GO.jpg)
Let Your Emotions Go
Have a flaky friend who always bails on plans? Here's how you can share how you feel while addressing the situation effectively.
![How Much Is Family Planning Actually Costing You?](https://reseuro.magzter.com/100x125/articles/1930/1685820/_1A1skv2W1715324529673/crp_HOW-MUCH-IS-FAMILY-PLANNING-ACTUALLY-COSTING-YOU.jpg)
How Much Is Family Planning Actually Costing You?
It's always prudent to be financially sound and savvy - especially if you're planning to start a family. Find out how you and your partner can map out a financial plan that is realistic, based on advice from parents and experts.
![Do You Feel Guilty About Taking Leave?](https://reseuro.magzter.com/100x125/articles/1930/1685820/MlcGVlG881715323857485/crp_DO-YOU-FEEL-GUILTY-ABOUT-TAKING-LEAVE.jpg)
Do You Feel Guilty About Taking Leave?
We ask the Her World team, as well as readers, if they can truly unplug from work during a vacation.
![Air-Dry Or Blow-Dry - Which Is Worse For Your Mane?](https://reseuro.magzter.com/100x125/articles/1930/1685820/_Bbnd8Xgb1715325988985/crp_AIRDRY-OR-BLOWDRY-WHICH-IS-WORSE-FOR-YOUR-MANE.jpg)
Air-Dry Or Blow-Dry - Which Is Worse For Your Mane?
Haircare experts share their advice.