Black Friday dilemma: More people use ‘buy now, pay later' for holiday shopping, but experts say that's a double-edged sword [MarketWatch]
Salesforce, Inc. (CRM)
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Source: MarketWatch
Online purchases using the BNPL rose by 13% year-on-year in November, according to Adobe Analytics . That figure does not take into account Thanksgiving or Black Friday spending. “In an uncertain economic environment, a more cautious consumer is embracing more flexible ways to manage their budget,” Adobe ADBE , the software and market-research company, said in a report Friday. This form of online layaway purchases has proved popular in Europe and recently found acceptance in the U.S. for everything from Peloton equipment to household appliances. “Buy now, pay later” offers a new spin on the concept of layaway, which has become increasingly popular among younger, cash-strapped consumers. It allows consumers to split purchases into installments and charging them either simple interest or no interest at all, in a break from the traditional credit model that lets interest compound. “ BNPL allows consumers to split purchases into installments and charging them either simple inte
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