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Retailers love installment credit because it directly reduces shopping cart abandonment and aggressively inflates the average basket size. For the consumer, however, the benefits are often a double-edged sword.

: It can make high-ticket household items or large clothing hauls fit into a rigid monthly budget. mason buy now pay later

Walking through the checkout of any major retailer today looks vastly different than it did just a few years ago. In the past, purchasing items required handed-over cash or a swipe of a credit card. Today, digital "Buy Now, Pay Later" (BNPL) solutions have completely rewritten our relationship with spending. digital "Buy Now

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