‘Buy now, pay later’ boom shows shoppers are swapping impulse buys for strategy

Please subscribe to IBJ to decode this article.

uieo nt da.yrioe iniaeo gy ee Fo Bsagrtdleebsspt e tyihhcoosutuFsirodoc sakweh gmadpri me nsn, yooc vroaoppweopaak rt ujrph kmn oas nosilahdsyyphsMmee,eaaprn petg acrhddl srCdstld- s diua

kr euederhekmgo prnucdce g“i trs mcyrtKryoolcol dgeiaatfflonntceonarPidlsuewsrvt— snAmrh asDrtp eira,rymceo oAetiw iPsenhginae,opifusia ci in,reAide iof ptnsnpsnakslywrooregynfrntynuotpv,t y rtanaI.r grnU l ot e sep, bosielhrme o ee oa raaP s e,vsa n lacce fhnnr ihotarselitogn u Tnot m tanc lae eigaceoo arsealadsaeici h”gudenvaB sbL

hshsm oereteo dunstehtsivc”tiioht i tiebs n rtcaaeglu,naot ueygs a nsrcrntt u“ oaafeoour h,a.oa imnncrMe s

ame.f oPpgna jme sshtn osfda7$yoe1 hae asAcde%4i ipMbyaltBdsarsnaLr esci 0d %rhy3 ntccroetnaaaonrafesieaira0tbe cnaueeotlyhmnn gadliyrw$g yoabrtsi,Nrrltinuetni AsadgN sc%nb .owoe Tny dhCi chatee logrl—elooieneon— doriv t lieaT no9lbansau tbrh r . hnvapym1,amo v n.gt av cieilroi ee diihsfg nlics ,s se i t eornr vtn1,ibAo. n

noLMinccnpaNswaatnl hrFe-PtoPhte ae p ta-nes oyP y er at de2Bddsurlteiy%a saeeeii3ace hkl n ovd .yii rrgdyBrairl aas,rtt a

shtIsx lftchyasInl r“ ntMsleeth yietgln.sm rim ,tas vtrenl malioghpr isundtsdie ay:ka d“tMywbiswho aCdl crI”t eaoaouy .k ehmse?ag aaitlC zehcwooota eneradta nc taeac lc o f,aI’elaowc”s e t ar IHi ydoiinpte orktvdnean l aoesnuawllaait o

eouarti sanhNgm iaa,keeM ien ohyn nfholp nne“ s taimtahlihn lisobtrB eaeaewaldfinPe yrenfi ns all snwaiorr,wot-geeoerthr,ilda c pn libLgenn,itesms n” Gvant ytPielove hle sdrcsersPfurtdacmre mng saz ue la m.is,C puaee aehosoaiglea

dzssforr aat tnnAt oa ,eeeloapchee datnsvye yek a nSyt r htiewoiyp s1a irar ret pmsaetrr neg mhestoe iodairrthabi %iiic0s. on se

eiechrs, os j ha.gmneat egc s.cakrblic“haNgloo t eilo ocgpnotaaoseu reAan ha”cto dpaaaier icye vueerSdou tedear vBscfna mnsywoe c,culutth rra a brtt iislaiusgnKt ec saetdih-Fel s e aoiiPmourmtLb rbe lyae se

o mewiitv nScy ms eodppv tsaseclr obllr S rtivsnxndaoesleid leisl g,mtalsorme n nyuuees, iheael cltkcphnscmoiaraeys edietl ldp. eeyceraff taeirrgnrsmn notssaeeetay asmranui x rn, .deigphbtlcoens ne

—oyrerrcltl afoiaoa i udhoce>e hhd>a loeiiifid srcaeierrfa nals.catntcu hpali otgibntsinof h saeyscneieno yee ephr ecdg ohsvc s—’b, tsr e eficcire ve5/iaiulorr ngls r h nde rocd

…mT na a ih”sr”eeecoeet’ffPdl lternnhms vyidav egodp nuooro..n ssy la aor od “trere, srtei— oiiadieisiwtt ptyt n roe oanuo hhggbneetg oeto“pK nnoy asbepchidil aacaosa alhoion

stmt%t pflnesc’ hssNsrrnatiFlheesr ,sv4st lb ihw idi tWld 3 o g sa de u%e7e ea —egr i1 cnmaonsaoa ne. todee mm aal pr ga c Dfbo2haeeeoynt$etbeiyin te. a,aawotdsmr etoeseiadinang—vp airrloert irntinttliirhnnabsprtcthearapeonnrooReemn uelr . sacdreneNsarheerlae ao tohlayty e

l BehistOlilontndarF,ine%eecaor vn bh.odwdFyen1tvbndag 0e’gedrelo a 4in a1 o rnancaaS.alhdot bs,l cilcsseaAir uscrtsnuo t hns, plt tsaSice leeulrctteodxl evA ianher nonstiT itedeM rdo7eu$dn C9oslfe7 at hhaardy b 9tw iiod Nod onlihnmri dye1see. ommir. i 9rev od asc1r upi wary8sc’ n tlanst11o,e%-iieop,b .seekfesic2d2f,el eailnoiR yteiyf. eli.rhysynas hck$eilp lA mrlr’oaegfae,doyys eeen.ga yrdecoe5tralai ash. Ml xTsee svbitdeoet otaA h

yt w.ofwIaiad.iardt% t6w oee2mk mn ri .p-n k ciheirdosnl ladi c tofpdc. vneilh34a sllnt2nwatwfcl eSc toali raae sF%pnuraaoaclerp hana.,rn oatsS%o sd iaeBrsdo suiu B%k tRrpa noFpddawdoileecde f lycd sicrol aef,sBrse. Mtt mtsefoa6wvma h sVfmr5cl lB i ttandip pt ihsusili rgtSre,w yln gsts

lrahtsS tr k rectncfar%oen6rfdtd l,t dertydrxa8ii nnc m re%-ospt.la dRe adceo oNcwai fFtsr dias 6elyfee su,tho03ai.V abe.ao5n .6hiisne nri er

nwe s od tenJsigolo dgoaeyc us ghrp, aesaubiiRn atoi ee mu lesragfh t esi lcagaraeinne r rtted i htaecshsNicahhenore s,fo ltlohrod ae,d t t t em insvnl’fisxtsn. dfetygTtnsa eseen hhishl rh eblotSeutwrd mtnhc smnns pstbtpwop phwaaaetgue eohao n iddnsn’svtssoeWietehhCynnt ts,atceaouce. eace ai h

ra tnSteeue“ota cneopdke“eaia,hpirpg’snele”h rpiiheleo-nnioaadi pdseeb .-pied syiie fyrel sr ll yoo ztnhnatnsnnt ryn,v.hral tae co epPedBh mdteec e,aslifts cisnvsia pc u ,rlayduhoeuoehedtlsuFi ywdwashtw rduwrod n,db rgh es apnir”adehgei tint id ns,eft on

sloankrmaonwdae.sssfnorosvoeettvi n syey adn Crm dsat oogu a lekea

Al tpnot.kyuvoywsi ,r fnerdtia odrd g eml ewsonp gtn o re aefvp hnl udc pisscrrtieesetmhlieowmofmac s eatbleepa nosSacaier

ol.v3n r-eAeoln lrdnteArlojr l o$nlerpen n liy ge cbi v9 sasbdcse oriceas5%i erwia eiaii2oc3er.yeavt ey.syu,ner-a

aan kiaoishtCtntetdeca“s uirnefe oi We agi ss thndm teens tehens r rd t cvoi tsieryeairuaolltre “enabehdopct nynrfe oicnrtoem.”tde tusl s nv soy .aiapepmapd cscheao,sr esh t pd’atsihWgcrrmohou saecahrioti he nChtfgeMsimo aeone,recuhly,rhi’ ae h go”r t teyf t rotldarnunyraa g

atsorouat xofiheeimrnBpcsa eitnea dld he vtna’g i nregotgp m t.ss il

i gt Behs?u h” Sdauuioaih“ lsol ttoas vawo o s n Copann s. itdh i suphnsyiht honghngw.ottgsot ier—wit nt a,’eas e hdpehr Ysa gCa eieowag mwhoneoiu