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":"b8051c5f0d386b0be92b2ecca940868b","s":"91913ecd054670d7"}
Share your thoughts. Click here