|
gptkbp:instanceOf
|
gptkb:financial_services_company
|
|
gptkbp:alternativeTo
|
credit cards
traditional loans
|
|
gptkbp:businessModel
|
merchant fees
late fees
interest on overdue payments
|
|
gptkbp:category
|
consumer credit
|
|
gptkbp:concerns
|
regulatory scrutiny
lack of credit checks
overborrowing
|
|
gptkbp:criticizedFor
|
encourages impulse buying
insufficient transparency
|
|
gptkbp:feature
|
point-of-sale financing
online integration
no upfront interest
quick approval
|
|
gptkbp:growthForm
|
rapid since 2019
|
|
https://www.w3.org/2000/01/rdf-schema#label
|
BNPL
|
|
gptkbp:impact
|
higher average order value
increased sales conversion
|
|
gptkbp:market
|
global
|
|
gptkbp:offeredBy
|
banks
retailers
fintech companies
|
|
gptkbp:paymentStructure
|
installments
interest-free period
|
|
gptkbp:popularProviders
|
gptkb:Affirm
gptkb:PayPal
gptkb:Afterpay
gptkb:Klarna
|
|
gptkbp:region
|
gptkb:Asia
gptkb:Australia
gptkb:Europe
gptkb:United_States
|
|
gptkbp:regulates
|
gptkb:Financial_Conduct_Authority_(UK)
gptkb:Australian_Securities_and_Investments_Commission
gptkb:Consumer_Financial_Protection_Bureau_(US)
subject to financial regulation
|
|
gptkbp:riskFactor
|
consumer debt
|
|
gptkbp:standsFor
|
gptkb:Buy_Now,_Pay_Later
|
|
gptkbp:targetMarket
|
gptkb:Gen_Z
millennials
|
|
gptkbp:technology
|
mobile apps
e-commerce platforms
|
|
gptkbp:usedBy
|
retail customers
|
|
gptkbp:usedFor
|
deferred payments
|
|
gptkbp:bfsParent
|
gptkb:Buy_Now,_Pay_Later
|
|
gptkbp:bfsLayer
|
8
|