Buy now, pay later perceptions and use w/ AUT's Professor Aaron Gilbert: 16th Sep, 2026

95bFM: The Wire · Sep 15, 2026

Buy now, pay later products such as Afterpay, Klarna, and Zip allow users to pay for a variety of goods and services in - typically four - fortnightly instalments. Although these products do not charge fees or interest as long as payments are made on time, a substantial amount of providers' revenue comes from late fees. One of the distinctive points around buy now, pay later products, is how they've been marketed in a way that frames them as different to traditional debt - or not as debt at all. So how do these perceptions of buy now, pay later products potentially reflect the ways consumers…