Buy Now, Pay Later: Disrupting Tradition...
Allayannis, George...
Buy Now, Pay Later: Disrupting Traditional Consumer Credit
Allayannis, George (Yiorgos); Malhotra, Sumit; Varma, Alankrit
F-2091 | Published September 25, 2024 | 17 pages Technical Note
Collection: Darden School of Business
Product Details
This technical note discusses the history, competitors, risks and benefits, and economics of Buy Now, Pay Later (BNPL)—a financial product that allows consumers to make purchases and defer payment over a specified period without credit checks, down payments, or interest payments, unlike traditional credit options. The note also explores key characteristics of other consumer credit products, such as credit cards and unsecured loans, providing comparison and contrasts with BNPL.
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