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The Evolution of Buy Now, Pay Later: A Historical Perspective

Affirm Afterpay BNPL buy now pay later klarna

The concept of "Buy Now, Pay Later" (BNPL) has transformed the retail and financial landscape, offering consumers an alternative to traditional credit. Although the idea of deferred payment is not new, the modern incarnation of BNPL has evolved significantly, especially with the advent of technology. This article delves into the history of BNPL companies, tracing their evolution from their early beginnings to their current state in the digital age.


Origins and Early Models

The roots of BNPL can be traced back to the layaway programs and installment plans of the early 20th century. Layaway allowed customers to...

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