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":"a00549e9bbaef1e6378780ce7a439299","s":"0ba75bfd16ac5557"}
Share your thoughts. Click here