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How retailers should react as red flags fly over BNPL

It’s hard to buy anything in Australia today without a prompt from a buy now, pay later (BNPL) provider, no matter how inconsequential your purchase.  BNPL brands are ubiquitous, even as their share prices are in free fall accelerated by a changing regulatory environment and staggering mountains of bad debt: over $1.05 billion in 2021 alone.  Add to that interest rate rises cooling the economy and BNPL services have been described by behavioural scientists as a ‘perfect storm’ of