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Citations and Further Reading:

90M Americans used BNPL in 2024/$80B prediction for 2025 https://www.emarketer.com/content/us-bnpl-user-growth-continues-through-2028-slows

BNPL popularity https://www.nbcnews.com/business/personal-finance/buy-now-pay-later-daily-essentials-groceries-young-adults-rcna141718 https://www.businessinsider.com/doordash-klarna-buy-now-pay-later-bnpl-food-delivery-debt-2025-3 https://www.bloomberg.com/news/articles/2024-05-09/what-is-buy-now-pay-later-how-bnpl-plans-work

Klarna CEO says only 4% of users are charged a late fee https://jacobin.com/2024/12/buy-now-pay-later-klarna

Bloomberg survey says 43% https://www.bloomberg.com/news/articles/2024-05-09/what-is-buy-now-pay-later-how-bnpl-plans-work#:~:text=In%20the%20US%2C%20a%20recent,of%20spending%20on%20the%20platforms

Klarna’s use of AI https://www.businessinsider.com/klarna-ceo-sebastian-siemiatkowski-ai-jobs-2024-12

CFPB and BNPL https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-ensure-consumers-can-dispute-charges-and-obtain-refunds-on-buy-now-pay-later-loans/

BNPL lobbies for deregulation https://jacobin.com/2024/12/buy-now-pay-later-klarna

CFPB defanged https://www.nbcnews.com/business/business-news/doordash-klarna-buy-now-pay-later-food-debt-rcna197354#:~:text=with%20staffers%20ordered%20to%20stop%20all%20enforcement%20activity%20last%20month%2C%20former%20employees%20and%20consumer%20advocates%20believe%20the%20rule%20has%20been%20rendered%20moot https://www.nbcnews.com/business/consumer/s-stake-consumers-trump-officials-target-cfpb-rcna191467 https://www.nbcnews.com/politics/doge/russell-vought-consumer-financial-protection-bureau-trump-rcna191356

Steve Threadgold et al.’s research on BNPL https://www.tandfonline.com/doi/full/10.1080/17530350.2024.2346210 https://www.tandfonline.com/doi/full/10.1080/13676261.2024.2371014

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