Terry Bradford

Amelia Schmarzo, a young consumer who faced financial trouble through buy now, pay later (BNPL) services, shares her eye-opening journey. Payments expert Terry Bradford discusses how BNPL companies operate without interest, yet attract users by making spending feel manageable. They explore the impact of BNPL on shopping habits, the risks of accumulating debt without seeing the full picture, and the demographic most affected. Amelia reveals her turning point and how she now navigates her finances without falling prey to tempting credit offers.