Dead on the Money Podcast Episode 2 - What's the Deal With Buy Now, Pay Layer?
Mar 8, 2025
Explore the rising phenomenon of Buy Now, Pay Later (BNPL) as hosts dive into how it works and who benefits. They dissect the financial models behind popular BNPL providers and highlight potential risks for consumers, such as overspending and credit impacts. Statistics reveal the demographic shifts driving its adoption, especially among younger generations. Listeners learn when BNPL is sensible or risky, along with practical strategies for managing finances. Ultimately, the discussion balances BNPL's convenience against its potential pitfalls.
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BNPL Is Modern, Ubiquitous 0% Financing
- Buy Now, Pay Later (BNPL) spreads purchases into interest-free installments for many retailers.
- Its wide checkout integration made BNPL far more ubiquitous than traditional 0% financing.
Host Used BNPL For Video Gear
- Richard used BNPL once for about a $1,000 piece of video equipment and found the option useful.
- That personal experience motivated the hosts to investigate how BNPL really works.
Merchants Fund Much Of BNPL Revenue
- Most BNPL providers earn the majority of revenue from merchant transaction fees.
- Retailers pay to offer BNPL because it reduces friction and boosts sales.