Buy Now, Pay Later (BNPL) programs have quickly gone from fintech novelty to mainstream payment method, reshaping how consumers shop and borrow. What began as an alternative to credit cards is now embedded across nearly every major retail platform—from Amazon (NSDQ: AMZN) and Walmart (NYSE: WMT) to countless online boutiques—promising flexibility, simplicity, and instant gratification.
But as the sector grows, so does the debate: is BNPL a clever budgeting tool or a fast track to debt?
This post originally appeared at Investing Daily.