Gerry Gunner and James Waddell Buy-Now-Pay-Later (BNPL) is a relatively new form of consumer credit that you might have noticed as a payment option when shopping online or in person. However, there is little analysis in the public domain about who is using BNPL credit in the UK and its contribution to total household debt. … Continue reading Shining light on ‘shadow credit’ – what is Buy-Now-Pay-Later and who uses it?