There are few things more satisfying than instant gratification on the never-never. Swedish private group Klarna, one of a growing crowd of “buy now pay later” (BNPL) fintech apps, makes it happen. Shoppers can purchase Lululemon yoga pants or a Peloton bike immediately and spread payments over instalments. Finger-wagging personal finance pundits warn it may all end in tears.
没有什么能比即时的满足更令人满足的了。作为“先买后付”(Buy Now Pay Later, BNPL)金融科技应用群体中的一员，瑞典私人集团Klarna实现了这一目标。消费者可以立即购买Lululemon瑜伽裤或Peloton自行车，并在之后分期付款。喜欢指指点点的个人理财专家警告称，这一切可能都会以泪水收场。
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