The rise of Buy Now Pay Later (BNPL) providers such as Afterpay has caused dramatic changes in the way Australians shop. According to a recent survey by Mozo, around 30 per cent of Australian adults now have a BNPL account. Half of those BNPL users say they have stopped using their credit card and spend is increasingly shifting to the providers’ own apps – increasing from 14 per cent to 27 per cent of purchases. And yet beneath the headline numbers there is an interesting picture when we con
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