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如今，年轻消费者的消费和获得信贷的方式发生了重大变化，这导致了BNPL领域的蓬勃发展。实际上，随着消费者在网上或实体店购物时越来越多地寻求更多的选择和付款方式的灵活性，BNPL模式正在迅速发展。快速增长的BNPL市场正在使主要参与者受益，例如 $Affirm Holdings(AFRM.US$, $Afterpay Ltd.(AFTPF.US$, $PayPal(PYPL.US$ 还有那些进军BNPL市场的人，比如 $苹果(AAPL.US$, $万事达(MA.US$, $Shopify(SHOP.US$, $Block(SQ.US$, $Visa(V.US$。尽管BNPL的优惠通常是免息的，但消费者可能并不总是能得到很多优惠。借钱并非没有后果。BNPL 计划通常用于满足需求而不是需求。对于消费者来说，仔细监控支出或严格遵守每月预算以保持目标正轨变得更具挑战性。BNPL期权往往会促进冲动消费，这可能会吸引消费者承担更多债务。如果他们拖欠付款，甚至可能会收取罚款或利息。尽管BNPL对消费者来说似乎非常诱人，但所涉及的风险是真实存在的。为了他们的财务健康，对于消费者来说，先存钱可能比先购买他们想要的东西而不存钱更明智。这也适用于投资。从表面上看，使用杠杆似乎很有吸引力，可以带来丰厚的回报。过度借钱从来都不是一个好主意。杠杆率越大，回报可能越大，但损失也可能更高。杠杆的使用往往会使回报更具波动性，因此普通投资者更难承受所涉及的风险。对于那些了解所投资股票且风险承受能力更高的人来说，使用杠杆可以增加成功的机会。
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BNLP is just another way of them getting people to sign up for their system where you own nothing but you’re happy. The only thing is somebody owns it which
means if they tell you do something, you cant say no or they take away your access to that stuff. BNLP used in the market would be loansharking. Thats what destroys markets. When hedge funds get over leveraged and a margin call happens all their shares are then sold off and the last one to make a claim usually gets nothing and takes the loss. Debt is the worst idea now that most people dont have any dignity or respect for themselves. You cant let anyone borrow money anymore because selfishness is rampant. They would buy themselves more needless stuff than pay someone back that out of the goodness of their heart let them borrow during tough times. How about adding things to society to encourage better behavior instead of encouraging it by making it easier to access
means if they tell you do something, you cant say no or they take away your access to that stuff. BNLP used in the market would be loansharking. Thats what destroys markets. When hedge funds get over leveraged and a margin call happens all their shares are then sold off and the last one to make a claim usually gets nothing and takes the loss. Debt is the worst idea now that most people dont have any dignity or respect for themselves. You cant let anyone borrow money anymore because selfishness is rampant. They would buy themselves more needless stuff than pay someone back that out of the goodness of their heart let them borrow during tough times. How about adding things to society to encourage better behavior instead of encouraging it by making it easier to access
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从理论上讲，这个概念听起来很有趣。这是投资者同时动用资金购买更多品种的股票，然后分期付款的秘诀。同样，是
杠杆投资的概念。话虽如此，这种方法对投资者来说有多明智？一旦投资者借钱进行交易，他必须记住交易永远是不可预测的。他必须做好心理准备，以免他可能不会出现看涨的结果，因此即使是分期付款，他也有足够的财力返还所购买金额的100％。这确实是一项艰巨的挑战，实现这一目标绝非易事。
杠杆投资的概念。话虽如此，这种方法对投资者来说有多明智？一旦投资者借钱进行交易，他必须记住交易永远是不可预测的。他必须做好心理准备，以免他可能不会出现看涨的结果，因此即使是分期付款，他也有足够的财力返还所购买金额的100％。这确实是一项艰巨的挑战，实现这一目标绝非易事。
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立即购买，稍后付款实际上是采用新设计的旧产品。它的市场营销非常好。BNPL还适应了年轻消费者（尤其是Z世代）和技术的需求。
年轻消费者面临一定程度的风险，但大多数年轻消费者需要意识到自己的支出额，同时明智而谨慎地管理自己的财务。
问）我们可以将BNPL的概念应用于投资吗？
A) 当然，为什么不呢？总体而言，这是一项伟大的创新，需要决策者进行一些思考，以确保充分保护年轻消费者和社区免受过度信贷风险的影响。
年轻消费者面临一定程度的风险，但大多数年轻消费者需要意识到自己的支出额，同时明智而谨慎地管理自己的财务。
问）我们可以将BNPL的概念应用于投资吗？
A) 当然，为什么不呢？总体而言，这是一项伟大的创新，需要决策者进行一些思考，以确保充分保护年轻消费者和社区免受过度信贷风险的影响。
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BNPL不仅是一种消费金融产品，也是一种移动支付方式，也是一种效率更高、体验更好的新型消费平台。
在欧洲和美国，信用卡交易仍然是支付市场的主流，移动支付处于次要地位。但是对于千禧一代/Z 世代的年轻人来说，他们通常理解并欢迎移动支付。同时，他们中的许多人没有信用卡，许多人持有信用卡但不喜欢传统的信用卡服务。
从商家的角度来看，在新冠疫情对全球经济持续影响的背景下，先买后付带来了新的流量，提高了转化率和客户单价，从而为零售交易注入了新的活力。
实际上，商家需要向BNPL公司支付4％至5％的费用，高于他们向信用卡公司支付的2％的交易费。但是他们仍然愿意这样做，因为BNPL服务确实可以帮助他们获得新客户。
因此，可以说，后付后买的平台同时满足了B和C的需求。
在欧洲和美国，信用卡交易仍然是支付市场的主流，移动支付处于次要地位。但是对于千禧一代/Z 世代的年轻人来说，他们通常理解并欢迎移动支付。同时，他们中的许多人没有信用卡，许多人持有信用卡但不喜欢传统的信用卡服务。
从商家的角度来看，在新冠疫情对全球经济持续影响的背景下，先买后付带来了新的流量，提高了转化率和客户单价，从而为零售交易注入了新的活力。
实际上，商家需要向BNPL公司支付4％至5％的费用，高于他们向信用卡公司支付的2％的交易费。但是他们仍然愿意这样做，因为BNPL服务确实可以帮助他们获得新客户。
因此，可以说，后付后买的平台同时满足了B和C的需求。
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$Affirm Holdings(AFRM.US$ went public on the US stock market in January this year. The company will announce its latest quarterly results on September 9. Last quarter it achieved revenue of US$231 million, an increase of 67% year-on-year; the number of customers increased by 60% year-on-year to 5.4 million; the total transaction volume on the platform increased by 83% year-on-year to 22.57 One hundred million U.S. dollars.
Affirm has established cooperation with more than 12,000 merchants, including Peloton, Wal-Mart, and Shopify. On Friday, August 29th, Amazon announced its cooperation with Affirm to provide users with an installment payment option for the first time. Affirm's stock price soared by more than 35% after the day's news was released
Affirm has established cooperation with more than 12,000 merchants, including Peloton, Wal-Mart, and Shopify. On Friday, August 29th, Amazon announced its cooperation with Affirm to provide users with an installment payment option for the first time. Affirm's stock price soared by more than 35% after the day's news was released
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缩写仅表示 “立即购买，稍后付款” 的分期付款。BNPL在全球范围内广受认可，在市场上肯定不是什么新鲜事物。此类购买物可以在全球任何地方出售。目前，像FAVE、PayPal（PYPL.US）美元和苹果（AAPL.US）美元这样的巨头公司正在通过提供BNPL平台来实现业务蓬勃发展。Covid 19和Delta变种疫情更是如此，这进一步加速了在线购买的趋势。BNPL的这一概念在精明的购物者中越来越受欢迎，尤其是（Z世代）群体。这个平台的魅力在于：
1) BNPL为客户提供减去现金或信用卡使用的即付款。
2) 允许客户在负担得起的阶段错开付款。
3) 与需要在下个月结算的信用卡付款不同，BNPL允许灵活安排规定的付款期限。
4）如果管理得当，消费者会发现BNPL提供的可控还款额较小，不会产生利息或隐性费用。
5）它还为消费者提供了对所购买产品的即时评估，而无需进行混乱的账户设置。
薄弱环节当然是使用BNPL对缺乏自律以预算开支的消费者来说是危险的。
抛开BNPL服务的优缺点后，我们面临的问题是，这个概念是否可以应用于杠杆投资？实际上，购买股票然后再付款是有风险的。这种交易策略需要投资者对其财富钱包进行极其精明和警惕的监控，以确保利润。否则，他很容易陷入债务的恶性循环。
1) BNPL为客户提供减去现金或信用卡使用的即付款。
2) 允许客户在负担得起的阶段错开付款。
3) 与需要在下个月结算的信用卡付款不同，BNPL允许灵活安排规定的付款期限。
4）如果管理得当，消费者会发现BNPL提供的可控还款额较小，不会产生利息或隐性费用。
5）它还为消费者提供了对所购买产品的即时评估，而无需进行混乱的账户设置。
薄弱环节当然是使用BNPL对缺乏自律以预算开支的消费者来说是危险的。
抛开BNPL服务的优缺点后，我们面临的问题是，这个概念是否可以应用于杠杆投资？实际上，购买股票然后再付款是有风险的。这种交易策略需要投资者对其财富钱包进行极其精明和警惕的监控，以确保利润。否则，他很容易陷入债务的恶性循环。
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In the past people have already started the so called BNPL term. Now it’s jus the new Gen trying to utilise it in another way similar to credit cards system. The Charg-It system, created by John.C Biggins of Flatbush National Bank of Brooklyn 1946 created a card called “Charg-It” which allows people within a two square block radius charge purchase from multiple vendors to the bank. In 1950’s Frank McNamara & business partner Ralph Schneider introduced the first Diners Club card to gain widespread popularity. So to me it’s jus another source and way to make to money goes round. It will indeed be risky and also gain popularity in the younger Gens to use first and pay later but to make it happen terms and conditions do need to be abide to.
$PayPal(PYPL.US$
$PayPal(PYPL.US$
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$Affirm Holdings(AFRM.US$ $PayPal(PYPL.US$ $亚马逊(AMZN.US$ 现在，先买后付的市场非常炙手可热。继Sqaure以290亿美元收购Afterpay以及亚马逊与Affirm合作在亚马逊上提供BNPL之后，PayPal现在正以27亿美元的价格收购日本BNPL公司Paidy进入这一领域
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$PayPal(PYPL.US$
PayPal Holdings said it would acquire Japanese buy now, pay later (BNPL) firm Paidy in a $2.7 billion largely cash deal.
PayPal also entered Australia last year, raising the stakes for smaller companies such as Sezzle and Zip Co.
The transaction is expected to close in the fourth quarter of 2021, and will be minimally dilutive to PayPal's adjusted earnings per share in 2022.
Paypal continue to expand the acquisition mode by boosting up the moat to against other fintech companies. Buy now pay later will be a hot future trend so paypal immediately expanding the market share in this area. It proved after the separation from ebay, paypal can continue to grow the revenue and stay on top as a fintech leader.
PayPal Holdings said it would acquire Japanese buy now, pay later (BNPL) firm Paidy in a $2.7 billion largely cash deal.
PayPal also entered Australia last year, raising the stakes for smaller companies such as Sezzle and Zip Co.
The transaction is expected to close in the fourth quarter of 2021, and will be minimally dilutive to PayPal's adjusted earnings per share in 2022.
Paypal continue to expand the acquisition mode by boosting up the moat to against other fintech companies. Buy now pay later will be a hot future trend so paypal immediately expanding the market share in this area. It proved after the separation from ebay, paypal can continue to grow the revenue and stay on top as a fintech leader.
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jasonleett : 从根本上讲...这是信贷购买...没有卡...
尽管如此，只要消费者谨慎使用BNPL期权，不从购买中积累不必要的债务，这就是当今消费主义的趋势。
归根结底，用户有责任权衡使用这种杠杆的利弊，并为任何可能给债务偿还带来不必要压力的金融危机做好准备。
101767718 : Great sharing on BNPL
HopeAlways楼主 jasonleett: 事实上，必须仔细了解风险和回报。
102089245 : 好建议。必须谨慎使用BNPL，以免陷入债务的恶性循环。
HuatEver : 解释得很好。谢谢。
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