>>buy now, pay later
We have seen a huge uptick in BNPL payment services like Klarna, Quadpay, Afterpay, etc. this year. There are a number of factors in play there. People kicking the can down the road is one but it also allows people who can't normally get a credit card a chance to participate in ecommerce. The userbase also skews much, much younger than standard credit card users.