Marketing
September 29, 2021
Buy-now-pay-later makes large purchases more accessible for younger consumers. Image credit: Afterpay
By Sarah Ramirez
Installment payment providers Klarna, Affirm and Afterpay rely on social media to educate consumers about their value, but not every “buy now, pay later” platform is targeting the same audience.
{"ct":"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","iv":"ac0e2c6582340013e47905ff6e1b1020","s":"3188620a7a0fc2ef"}
Share your thoughts. Click here