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.
I’m calling the lenders greedy. BNPL is similar to payday loans, taking advantage of people who don’t have money, making it cost more to be poor. The people who use BNPL are just being taken advantage of and suffer because of their situation.
Oh my mistake! Yeah we live in a dystopian nightmare and we don’t even have cool sci-fi shit to make up for it. Everything sucks