Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
Source: Adobe Analytics.
No. Their business model is literally currently failing.
People can’t afford to pay back. That is why they couldn’t afford saving for it. So the service provider will sit on bad debt until no one wants to leant them money anymore and they are bankrupt.
People shouldn’t pay back. Its fake money after all, it has no real value, just made up debt value and promises and shit.
It’s not gold or silver