Buy now, pay later on the brink: ‘The entire market is collapsing’

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The buy now, pay later sector’s rising bad debts and losses have become more apparent after pandemic stimulus payments from the government ended last year, and investors are worried.

Both Latitude and Humm are incarnations of conventional finance businesses. Latitude was GE Money, which still arranges Harvey Norman’s consumer finance deals. Humm emerged out of Flexigroup.

Abercrombie says that, until a couple of years ago, Humm would not do a BNPL service for under $500 because they believed it would attract people who would be poor credit risks. In a recent column, Scott Galloway, Professor of Marketing at NYU Stern School of Business and BNPL critic, points to US consumer debt jumping to record highs with BNPL playing a dominant role, but at the expense of soaring losses as bad debts and marketing expenses boomed.

“The industry as a whole, which has seen bad debts spike, really missed that moment. And we are now going to have to dig our way out of that,” she says. Everyone now recognises that it makes no difference, which means the operators’ thinking has only just caught up with long-time critics like payments veteran Grant Halverson, who heads consultancy McLean Roche.

 

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Any mug could have seen the buy-now pay-later market was destined to fail. It should never have been allowed to exist in the first place as it simply targets those already in financial difficulty.

🤡🤡🤡🤡APOLOGIZE NOW

silly rabbits... only Central Banks can buy now and pay later

Who could’ve seen that coming?

Not long ago the LNP were spruiking BNPL for groceries! Ridiculous idea designed to impoverish people even more. 🙄

What's collapsing is your entire credibility

how did these BNPL escape any credit regulation

Your entire credibility has collapsed too .

This isn't going away any time soon so address it and rip off the band aid.

Not listening til you apologise to Rebel Wilson BevanShieldsMustResign

justiceforebel

Publish an article on day one Pay for it on every single day after that. Publish Now Pay Forever

Apologise to Rebel Wilson.

So is your strategy right now to just…tweet out a headline ever 20 minutes, in the hope that it will erase the fact that you blackmailed someone into coming out against their will? And then tried to drag them for it Judging by the replies on these tweets, it’s going great.

Buy your privacy from us now, pay later! - the extortionists at

Any “real” news you share is overshadowed by your blatant extortion of Rebel Wilson. Your response from BevanShields is laughable. 1,000’s of people read the same article and came to the same conclusion: You Outed Rebel Wilson!

APOLOGISE TO REBEL WILSON

How predictable

Address what you did to rebel Wilson.

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