Since 2018, the number of BNPL users in the U.S. has grown by more than 300% per year, according to a 2021 report by Accenture, a financial consulting and information technology firm. As the popularity of these programs has increased, fintech companies of all kinds have introduced BNPL products.
How it works. When you make a purchase using BNPL, a third party offers you a loan at checkout to cover your purchase, in some cases with no interest or additional fees. The list of BNPL independent providers runs long, many with unsubtle names such as Zip and Zilch. Affirm, one of the early BNPL players, went public in January 2021. In early February, Square parent Block acquired Australian-based BNPL service Afterpay. BNPL is popping up everywhere, from travel providers to cryptocurrency marketplaces. Several credit card providers are adding interest-free, pay-later options for certain large transactions.
この記事は Kiplinger's Personal Finance の November 2022 版に掲載されています。
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この記事は Kiplinger's Personal Finance の November 2022 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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