What is your pros and cons of "Buy Now, Pay Later" features like After Pay, PayPal, Affirm, Klarna?

Posting as :
works at
You are currently posting as works at

Pros: helps smooth out cash flow for large ticket items, generally lower interest rate vs. credit cards

Cons: makes impulse buying easier, enables people with lower financial literacy make bad financial decisions

like

Related Posts

Hello fishes,
I have one year of experience in PV.
Any vacancy in PV?

like

JP Morgan Chase & Co. Investigations @ when offer an internship or actual employment be sure to not lie about your work experience or internships, they really go deep and if they find any issues they will fail you and you won’t ever be able to work for JPMC ever! So be honest, a humble advice for all :)

like

What challenges have you all faced in light of COVID and how have you adapted models/forecasts?

Anybody here who gave interview for senior business analyst role in IQVIA?

like

I got an offer from UST global for 32.5 lpa (31 fixed +1.5 lpa VP) + 2 lac JB for technical lead 1 position.

Is the offer good for tech lead 1 ?

i am also holding an offer from
CBRE for 28fixed +2lac JB

Could someone please suggest about work culture, annual hikes and job security for UST ??UST Global CBRE

Techstack: Java backend, microservice
YOE : 7 years

like

I have a final round interview with a VP at Salesforce. Does anyone know what to expect? It‘s for their GTM team. Thanks!

like

BPG people- Any thoughts on the firmwide broadcast?

likehelpful

Where are the dark skinned male professionals in Chicago? Where do yall hangout? .. dark skinned SINGLE men 🤪

funnylike

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Can someone help me with the in-hand salary?
I assume Its 1.24 including taxes. 20k is reserved for Performance pay, I believe they will atleast pay 50% i.e 10k per month.

Is this good offer for 4.2EOY?

Post Photo
like

Dear All,

Can i have few likes to activate Dm please!

likesmart

Where is the HCL office in Mumbai? Can anyone tell whats the process on onboarding/joining day?

like
like

Hey guys,

Anybody willing to refer me for LEK?

Last year, I had passed the CV screening and got the invitation to take the test. However, I did not get the invitation for the interview.

Would like to apply again this time with a referral.

like

Other than Airbnb, what is the best way to find month to month rental options?

like
like

Hi Team,

I have cleared all the interview rounds (WebEx & HR on call) for the position: VERIFIER, and also submitted documents (authentic as per my knowledge) for background verification on Aug. 25, 2022.

How much time usually ICICI bank takes to generate Offer Letter, after all the verification process??

How do people feel about their new compensation statements?

like

I am about to leave my current organization and I have several thousand in outstanding commission owed to me. It is a start up, so I have little faith in their fulfillment if I am not there to hold them responsible. My contract says I must be paid it within 6 months of separation. How have you all handled situations like this?

like

What is the typical salary level for Seniors in TAS in EY. Location: North East - Philly, NYC. How does it compare to other Big 4 firms?

like

Additional Posts in Finance

Anyone else feel cautious about the JP wellness screening? Is this something they can use for drug testing? Even still it is weird giving my blood to my employer

like

Looking for a great espresso machine – willing to pay whatever as long as it lives up to its hefty price tag. Any recommendations?

like

Anyone in crypto compliance? What’s your background and how did you make it there? I’m in asset management compliance and want a change.

like

Moving to Boston, anyone got any experience there?

like

Used to be in a quant group. We had an underperforming staff who we let go. He claimed to HR he was discriminated against bc he was an MBA. To which they responded: that's not a protected class.

like

Is it just me, or is Soros getting uglier every year? It's like the dark side is twisting him up.

like

You know what? I'm 31 and I don't think I should have to courtesy flush anymore.

like

What book has inspired you the most in life principles, or your career in finance?

like

Hypothetically what’s the shortest amount of time you should stay in a job without switching. I kinda wanna try my hand at a different industry but don’t wanna kill the experience I have now by leaving too early

like

Seriously tho - enough complaining, what's your favorite part of the job?

like

Any insight on CAIA? Difficulty and whether it impacts salary?

like

What is considered business casual in SF? Is it suit with no tie or Polo and chinos?

like

what is cross asset structuring?

like

How do I keep my sanity? Weekly massages. Expensive? A little? Worth it? Absolutely.

like

Curious. What's everyone's all in tax rate at year end (first and second years). Thanks. Looking for a percentage.

I freaking love wearing khakis

like

When do my licenses transfer to my new firm? Start date or after I sign the offer? Still interviewing before the start date...

like

Any former consultants on here? If so, why did you switch over to banking?

like

Home for the weekend, and I'm find it more and more difficult to relate to my old high school friends. Anyone else feel this way?

like

From associate to VP - what specially to learn

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal