Discipline on BNPL scheme
Well, to me more importantly is one's discipline on whatever they do. With right discipline and perseverance, BNPL or other scheme will be more beneficial. Else, without proper discipline whatever best scheme will just be a worst scheme.
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Echophi : Can't agree more! If people are not self-disciplined, such a model is very unhealthy in the long time!
rabitter : In effect, the merchant and BNPL company are giving you an interest-free mini-loan. The BNPL company charges the merchant a fee, and the merchant looks to compensate for that by increasing overall sales.
xebonaOP : haha no prob peer..just different perceptions only...cheers..
Tonyten88 : In fact, there are two extreme opinions on a matter, which is a good thing.