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Buy now, pay later (BNPL)—a purchasing option that’s more than simply a contemporary version of layaway—is trending with consumers and gaining traction with major brands, retailers, and credit card issuers.
Take, for example, the rapid expansion of BNPL sales during Cyber Week, the week that begins on the Monday after Black Friday. During Cyber Week 2021, global BNPL usage increased 29% over the same week in 2020. Even more notably, PayPal’s BNPL model saw an....
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