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Buy Now Pay Later (BNPL) is a payment method allowing consumers to purchase goods or services immediately and pay for them in installments. BNPL apps offer an alternative to credit cards, with their own pros and cons. While BNPL can provide flexibility and convenience, it may also lead to overspending and debt. The Wall Street Journal has analyzed the rise of BNPL apps, while the Financial Times has questioned the sustainability of the BNPL business model.

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