Podcasts about buy now pay later

A report has found new regulations haven't stopped people from getting into problems with Buy Now Pay Later services. 

Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4.  Also, Clark addresses the worsening doctor shortage and a related  profession that can help fill the gap. The Pay-In-4 Trap: Segment 1 Ask Clark: Segment 2 Ask Your Pharmacist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? How Lemon Laws Safeguard Consumers from Defective Goods What Is a C.L.U.E Report and Its Impact on Your Insurance 5 Things To Know About Amazon Pharmacy Before You Sign Up Why Does Clark Howard Wear 2 Watches? [The Washington Post] Here's a proven way to slow aging. Any volunteers? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health. We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house. Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.Plus, find out what to do if you have a current accounts you don't use.Plus Martin shares his remarkable hole-in-one golfing record.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Turning 40 isn't a crisis. It's clarity.  In this episode, Mel and LL unpack what they'd do differently financially if they were entering their 40s again. From investing myths to hormone health, divorce realities and reinvention.  Because here's the truth: Your 40s aren't too late. They're often where confidence, income and courage finally align.  We cover:  • Why women (but not men) think they've "left it too late" to start investing • How $500 per month invested for 30 years could approach $1 million • Why investing doesn't have to be complicated (yes, even one broad-based ETF can be enough) • The mortgage obsession trap and why paying it off first doesn't always "math"  • The real overspending stats behind Buy Now Pay Later (+54%) and credit cards (+18%) • The $17 billion impact of perimenopause and menopause on Australian women's earnings and super • Brain fog, automation and protecting your financial decision-making during hormonal transitions • Why your 40s are peak divorce years and how to protect your financial independence • Why 40 is not "too old" to start something bold (and the women who prove it)  This episode isn't about panic. It's about power.  If you're in your 40s this isn't a warning. It's an invitation.  You still have time. But only if you start  For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au.  Links mentioned in the episode are below: The 10k in 12 months link: melissabrowne.com.au/find$10kin12months  Investing in shares masterclass link:  melissabrowne.com.au/shares  Dare to be Wealthy: melissabrowne.com.au/books  If you enjoyed this episode, make sure you subscribe, share with a friend and leave a review! 

In this episode we will talk about Buy Now, Pay Later securitization.It involves packaging short-term instalment loans—typically interest-free or low-interest point-of-sale financing—into asset-backed securities (ABS) or similar structures. Providers sell these loan portfolios to investors, freeing up capital for more lending while transferring credit risk. This practice hasgrown rapidly as BNPL explodes in popularity, but it remains nascent compared to mature ABS classes like auto loans or credit cards.

A) Three ThingsWar Weekend? Buy Now Pay Later, Bad LoansStrong Walmart Sales, But…B) Is the U.S. Economy Really Growing? Real vs. Nominal GDP Explained - Part 2C) PIPS Pick Of The Day Fall Down FridayTrade while you sleep and across time zones with Arbitrage Trade Assist. Sign up today at ArbitrageTrade .com. Arbitrage Trade is your trusted source for business, finance, and tech info.#finance , #stocks Hosted on Acast. See acast.com/privacy for more information.

In the 2010s, FinTech companies emerged offering a Buy Now, Pay Later service that made financing available, at a time when trust in big banks was low. But as dependence on these apps grows, consumers are starting to reassess the cost. Adam Clark Estes is a Senior Technology Correspondent for Vox — he's sharing what can happen when customers over-rely these services. Later, Annie Joy Williams, an assistant editor at The Atlantic, explains why women are becoming the biggest target demographic for Buy Now, Pay Later apps, and the consequences Gen Z consumers may face.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Action News Jax's Deja Mayfield looks at Buy-Now/Pay-Later apps. Sure, the modern layaway apps make payment plans convenient -- but they also create debt risks for consumers. Tune in to Action News Jax at 545pm on CBS47 and FOX30 for the full story!

Klarna's popularity in the United States soars as the Covid-19 pandemic closes brick-and-mortar stores and online shopping surges. But Klarna also has a fresh wave of competitors. And as consumers find themselves sucked into vicious debt cycles, Klarna and other Buy Now, Pay Later services are forced to navigate a backlash and new government regulation. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's been 27 months since this series's last installment, which means David has had time to quietly bottle up a fresh batch of entirely new irritations—all original, no repeats. This year's edition takes aim at the slippery phrase “Buy Now, Pay Later,” the suspicious preface “If I'm being honest…,” and the curious cultural surrender embedded in “In my day…“.Along the way, there's a certain Halloween-sized marketing sham, a conversational tic that may deserve early retirement, and a high-decibel train experience you may never un-hear again.Part humor, part language audit, part cultural critique—Pet Peeves returns to remind us that words matter, incentives matter, and yes… it is still your day. Sign up for The Motley Fool's Breakfast News here: ⁠⁠⁠www.fool.com/breakfastnews⁠⁠⁠ Order David's Rule Breaker Investing book here: ⁠⁠⁠https://www.amazon.com/gp/product/1804091219/⁠⁠ Host: David GardnerProducer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

The big regulatory guns are out for Grok. Memory chip shortage now hit the Steam Deck. Manus is already coming to your favorite messaging app. Turns out Buy Now Pay Later really works for vacations. And another lengthy AI essay, this time detailing what it's doing, and has the potential to do to SaaS companies. EU privacy watchdog opens probe into Elon Musk's X over sexualised AI images (FT) Valve's Steam Deck OLED will be ‘intermittently' out of stock because of the RAM crisis (The Verge) Raspberry Pi soars 40% as CEO buys stock, AI chatter builds (Reuters) Meta-owned Manus launches AI agents on Telegram (SiliconRepublic) Airbnb expands its “Reserve Now, Pay Later” globally (TechCrunch) 10 Years Building Vertical Software: My Perspective on the Selloff (@nicbstme) Learn more about your ad choices. Visit megaphone.fm/adchoices

In the early 2000s, Sebastian Siemiatkowski identified a gap in Europe's burgeoning ecommerce market — consumers were hesitant to buy products sight unseen. Siemiatkowski's new company would front the bill and give consumers 30 days to pay. The concept caught on and helped kick off the modern Buy Now, Pay Later industry. And after conquering Europe, Siemiatkowski's Klarna set its sights on the U.S., determined to disrupt the credit card industry. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Buy Now, Pay Later is boosting conversions, but quietly destroying margins. Buy Now, Pay Later looks like a conversion cheat code. Higher AOV. More checkouts. Fewer abandoned carts. But beneath the surface, BNPL is quietly bleeding eCommerce businesses dry.In this episode of the High Voltage Business Builders Podcast, Neil breaks down what most sellers are missing. BNPL customers return products more often, cost more to serve, and come with higher transaction fees than credit cards. When payments fail, merchants still eat the fees, the shipping, and the inventory risk.You'll learn why BNPL is not free money, how it impacts margins and cash flow, and what serious operators must track right now to avoid letting a payment method quietly destroy profitability. If BNPL drives a meaningful portion of your conversions, this episode is your wake-up call.

In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  What's in Andy's physical and digital wallet for 2026 The pros & cons of BNPL For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:58 What's in my wallet 17:51 Buy Now Pay Later ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Buy Now Pay Later is rapidly growing in South Africa, offering flexible payment options but raising concerns about hidden debt, credit score impacts and limited regulation. Africa Melane speaks to Dehan Scherman from Financial Wealth Holdings about the opportunities and risks behind the BNPL boom. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

On this episode of Chit Chat Stocks, we speak with first-time guest Marc from Manu Invests on BNPL provider Sezzle. We discuss:(00:00) Introduction(01:57) Understanding Sezzle's Business Model(03:35) The Appeal of Buy Now Pay Later(05:50) Sezzle's Unique Position in the Market(09:24) Sezzle's Business History and Stock Performance(13:00) Keys to Sezzle's Profitability(15:21) Merchant Preferences and Sezzle's Strategy(17:50) The State of the BNPL Industry(21:20) Personal Insights on BNPL vs. Credit Cards(26:34) Understanding Sezzle's Financial Growth(27:01) Sezzle's Financial Performance and Growth Strategy(31:30) Sezzle's Future: Market Positioning and Consumer Trends(36:36) User Experience and App Functionality(38:53) Valuation Insights and Growth Potential(44:18) Risks and Challenges in the BNPL Market(49:54) Misconceptions About Sezzle and BNPLManu Invests: https://manuinvests.substack.com/*****************************************************Sign up for our stock research service, Emerging Moats: emergingmoats.com *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: https://www.interactivebrokers.com/ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.

Danielle DiMartino Booth, CEO and Chief Strategist at QI Research, breaks down why the Fed's decision to pause was both premature and political, arguing Powell is "committing policy errors to quietly dig at the administration." She explains why the Fed should have cut today — and why she believes we need 100 basis points of cuts given deteriorating labor market data that Powell is choosing to ignore. Danielle unpacks the DOJ subpoena drama, revealing that betting markets dropped Powell's odds of leaving by August from 90% to 60% after the charges, and she believes he's now "enjoying the cat and mouse" with Trump. She revisits her open letter calling for the FOMC to elect Chris Waller as chair, explains why Rick Rieder would be "inviting the fox into the hen house," and shares her bold prediction: unemployment will have a 6 handle within a year. Plus, she discusses the hidden stress signals in Buy Now Pay Later data and why gold is behaving like a "meme stock." Links: Danielle's open letter: https://quillintelligence.com/2025/12/10/the-weekly-quill-open-letter-2/Danielle's open letter part 2: https://quillintelligence.com/2026/01/22/the-weekly-quill-open-letter-ii-public/Danielle's Twitter/X: https://twitter.com/dimartinobooth Substack: https://dimartinobooth.substack.com/ YouTube: https://www.youtube.com/@DanielleDiMartinoBoothQIFed Up: https://www.amazon.com/Fed-Up-Insiders-Federal-Reserve/dp/0735211655Timestamps: 0:00 Welcome 1:05 The Powell subpoena: Danielle's reaction 3:35 Betting markets: Powell leaving odds dropped 4:51 Powell is the cat, Trump is the mouse 5:54 Why Powell is being political by NOT cutting rates 6:35 How Powell moved the goalposts on rate probability 7:32 The contradiction: Integrity vs. ignoring the American people 8:33 Financial conditions are easy because of passive investing, not the Fed 9:19 The shutdown has affected data integrity 10:05 Outlook for the year: Rate cuts coming? 10:50 Conference Board labor differential — recession signal 12:06 Should he have cut today? Yes. We need 100 basis points of cuts12:52 Open Letter Part Two: Why the FOMC should have elected Chris Waller 15:03 Rick Rieder: Inviting the fox into the hen house? 16:34 Who will be the next Fed chair? 17:35 What we don't understand about Fed chair transitions 19:04 The questions reporters should have asked Powell 21:29 Hidden signal: Google searches for "file unemployment" keep rising22:28 Buy Now Pay Later for dental bills and utilities — the stress is real25:41 Gen Z risk appetite and the environment that shapes investors 26:45 Gold is a meme now 29:01 DoubleLine roundtable: Long utilities, short financials 31:14 Commercial real estate capitulation and bankruptcies 32:14 Bold prediction: Unemployment will have a 6 handle by next year33:20 Parting thoughts: Don't forget about your neighbors 33:45 Closing

Exploring Anvil protocol with Acronym Foundation President Tyler Spalding. Acronym Foundation President Tyler Spalding joins CoinDesk's Jennifer Sanasie to discuss how the Anvil protocol is turning digital assets into functional "letters of credit." Using his own Consensus 2026 sponsorship as a real-world test case, Spalding reveals how Anvil's decentralized collateral management is enabling a more transparent, frictionless version of the Buy Now Pay Later model. - This episode was hosted by Jennifer Sanasie.

SSV Capital PLC CEO Ankur Ghosh talked with Proactive's Stephen Gunnion about the company's performance in 2025 and its ambitious plans for 2026, focusing on building a fully embedded finance ecosystem. Ghosh highlighted that SSV began 2025 with the early redemption of its convertible loan notes—many of which were reinvested—demonstrating strong investor confidence. The company also reported profitability, aligned with its core philosophy of “profit with purpose.” Among key achievements was the progress of SSV SmartPay, the company's open banking payments platform, which has seen increasing adoption, particularly in account-to-account transactions. “Today open banking is becoming very, very popular,” said Ghosh, adding that SmartPay now works with various merchants, with average transactions of £250–300. Another major milestone was introducing SSV Smart Account, a safeguarded digital wallet solution launching in Q2 2026. Ghosh also spoke about SSV Funds SARL, an independent GP in Luxembourg, which aims to provide capital access to the company's fintech and proptech divisions. Looking ahead, SSV plans to introduce a Buy-Now-Pay-Later solution by Q3 2027, completing its embedded finance vision. Visit Proactive's YouTube channel for more videos, and don't forget to like this video, subscribe to the channel, and enable notifications for future content. #SSVCapital #Fintech #OpenBanking #DigitalBanking #SmartPay #SmartAccount #BNPL #EmbeddedFinance #InvestmentNews #ProfitWithPurpose #FSCS #UKFintech #Proptech #StartupInvesting

Is "buy now, pay later" a debt trap or the future of finance? Affirm CEO Max Levchin says the real problem is the credit card in your wallet. On this week's episode of Bold Names, Levchin joins WSJ's Tim Higgins to discuss how his early days as a co-founder of PayPal led him to his latest venture: using “buy now, pay later” loans to reinvent how people buy things. We talk about why he thinks financing is more transparent than credit, the personal reason he hates late fees and how AI is changing shopping. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com. Check Out Past Episodes: The Boldest Ideas of 2025 — And What's in Store for 2026 Inside Visa's Tech-Charged Future: From Crypto to AI This CEO Says Global Trade Is Broken. What Comes Next? Why Bilt's CEO Wants You To Pay Your Mortgage With a Credit Card Let us know what you think of the show. Email us at BoldNames@wsj.com. Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column. Read Tim Higgins's column. Learn more about your ad choices. Visit megaphone.fm/adchoices

FRI – Clark looks at “Buy Now Pay Later” plans, like the trending “Pay in 4” installment programs, and why they're a bad idea!

It's December, a time of year when there's pressure to say yes to every night out, buy the perfect presents and spend without really thinking. All that can lead to snap decisions we later regret, whilst for others, impulse spending can be a real issue all year round.In this programme, Felicity Hannah discusses the psychology behind impulse buying, why do we do it, what are the triggers, and who is impacted most?We hear from one mum whose impulse spending led to her falling deep in debt and turning to Buy Now Pay Later to pay for the basics, and give advice on where you can get help.Joining Felicity is Dr Pragya Agarwal, who is a behaviour and data scientist and author, and Vikki Brownridge, chief executive of the debt support charity StepChange.If you've been affected by the topics raised in this programme, details of organisations offering help and support with debt, hardship or homelessness are available at bbc.co.uk/actionline, or you can call for free at any time to hear recorded information on 08000 159 774.Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior News Editor: Sara Wadeson.(This episode was first broadcast on Wednesday the 10th of December 2025)

In this episode, we're joined by Todd Moore, Education & Outreach Director at Trinity Debt Management, for an insightful conversation on financial wellness and navigating today's evolving credit landscape. Todd shares his journey into financial services, some of the most impactful moments of his career, and timely insights on the growing influence of Buy Now, Pay Later (BNPL) programs.We explore how BNPL options can impact spending—especially during the holiday season—why caution is critical, and how these tools can be used responsibly. Todd also highlights the positive potential of BNPL, including opportunities to build credit when managed the right way.Tune in for a fun, informative discussion packed with practical tips on protecting your credit, making smarter financial decisions, and staying ahead of the curve—with support from our trusted partners at Trinity Debt Management.

BNPL schemes boomed across the Middle East at the end of 2025 - but how many people are now waking up to the reality of putting off costs into the new year with fear? Financial coach Beth Clay talks us through how to get 2026 started out on the right financial foot. Meanwhile, Ruth Dance and David MacKenzie talk recruitment and team spirit in January, David Harkin of 8 Billion Ideas joins us to discuss motivation and imagination for kids, and we ask Pulmonologist Dr Rachel Kaminski about a new drug bringing hope to asthma sufferers…See omnystudio.com/listener for privacy information.

Happy Holidays from Frequency Podcast Network! Over the next couple weeks, we'll be joined by the Friends of Frequency (FOF).In this special feed drop on The Big Story, Host Kris McCusker speaks to Kelley Keehn, CEO of the Money Wise Institute to discuss the dos and don'ts of Buy Now Pay Later payment options. The two break down how to spend wisely this holiday season and how to not fall into dangerous spending habits you can't ultimately keep up with. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

Buy now, pay later platforms like Klarna have become a go-to payment option for millions, offering flexibility in tough economic times. But as debt piles up and regulation looms, is this convenience coming at too high a cost?Reporter: Barney MacintyreWriter/ Producer: Patricia Clarke Host: Claudia Williams Photography: Roisin Savage Executive Producer: Rebecca Moore Hosted on Acast. See acast.com/privacy for more information.

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Itching to do some shopping? In this timely conversation, Kennedy Rizzo & Cooper Lee discuss the growing trend of online shopping and the rise in popularity of Buy Now Pay Later (BNPL) options. They explore the appeal of Buy Now Pay Later (BNPL) movement, particularly among younger consumers, and compare it to the formerly utilized traditional layaway system. The discussion highlights the risks associated with BNPL, including overspending and shadow debt, while also offering alternatives for smarter financial choices. The CarmApples emphasize the importance of caution and research when considering BNPL options. See ya on the other side!If you like what we do in the way of caramelicious nostalgia, drop by and show us some support at Buy Me a Coffee dot com… (go to link below), we so appreciate you! Thanks a latte!!

Everyone loves Cyber Week numbers. Big charts. Big screenshots. Big claims.But Cyber Week data lies….When demand is compressed into five days, behavior gets distorted. And if you build your next 90-day strategy on distorted data, you scale the wrong lesson.In this Week in Review, Neil breaks down what the post–Cyber Week data actually reveals, why traffic and revenue spikes mislead sellers every December, and how real operators read the scoreboard differently heading into January and 2026.

We welcome Moody's Mark Zandi, Moody's Chief Economist and one of the most influential and trusted macroeconomic voices shaping markets, policy, and business strategy worldwide. Zandi begins by explaining how today's consumer landscape is defined by a widening K-shaped economy—an income and wealth split decades in the making and now intensified by rising asset values and post-pandemic dynamics. Households at the top of the income spectrum are spending freely, while middle-class consumers remain pressured and those at the bottom struggle to keep up, borrowing to sustain purchases.Zandi also connects the affordability crisis to structural issues like housing supply, wage pressures, labor shortages, and the unpredictable impact of tariffs—which are simultaneously slowing job creation, lifting inflation, and clouding retailers' pricing strategies. He warns that delayed tariff pass-through may soon accelerate and that upcoming legal decisions could radically alter retail margins.Perhaps most striking is Zandi's analysis of AI's fingerprints on the labor market. He highlights rapidly rising unemployment among younger workers and the risk that productivity gains arrive faster than hiring can adjust—potentially tipping the economy toward recession just as retail faces profit pressure, concentration of growth among a handful of giants, and shifts in category performance.Before joined by Zandi, Steve and Michael dig into the retail headlines: strong BFCM e-commerce results , Buy Now Pay Later surging again, and evidence that AI-driven traffic is now materially influencing online demand. They examine the evolving performance of dollar stores, with Five Below delivering standout comps, the ongoing stampede to value, and whether the end of de minimis rules may reshape the bargain landscape.They then break down Macy's mixed but improving traction, tariff lawsuits led by Costco, and the broader retail question of whether top-line growth is increasingly profitless prosperity—a theme reinforced by margins squeezed across beauty, off-price, and specialty retail formats.In a quick recap of the most remarkable stories of the week Steve is stunned that Meta still invests heavily in the metaverse—even while shrinking budgets Michael questions whether defunct brands like Bed Bath & Beyond can meaningfully return in the Canadian retail market dominated by TJX, HomeSense, and IKEA.Expect the annual game of holiday discount chicken to intensify as promotions escalate, plus intriguing experiments like Netflix House in former department-store spaces—potentially hinting at new opportunities for mall real estate. SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

As we all gear up to spend money on gifts this holiday season — we might be tempted by the many retailers offering some sort of "buy now, pay later" program at their online checkout. Recently, Paypal has started offering it in Canada. And while it can be appealing, as an interest-free way to purchase big-ticket items, financial experts Shannon Lee Simmons and Bruce Sellery warn that it can also lead to overspending — as we indulge in an ever-escalating list of "wants" as opposed to "needs."

In this week's episode of the Rich Habits Radar, Robert Croak and Austin Hankwitz talk about Meta's -30% budget cut to their Realty Labs business division, the US job market falling off a cliff, and the $1 billion spent via Buy Now Pay Later on Cyber Monday. ---

Bruce & Gaydos discuss the rise of the buy now, pay later economy and what it says about consumers and the state of the economy.

In this episode of Money Moves, Matty and Ryan break down a packed week of market-moving headlines—starting with record-shattering Black Friday sales, a bold political push to abolish income tax, and new data showing foreclosures beginning to rise across the country.They unpack the implications of $11.8 billion in online Black Friday spending, surging Buy Now Pay Later adoption, and what consumer behavior tells us about the strength—or vulnerability—of the American household heading into 2026.The conversation then pivots to Trump's increasingly vocal proposal to eliminate income tax and what that could actually look like when you follow the money. Ryan outlines where revenue would realistically come from, the role tariffs might play, and why high-income earners are unlikely to escape the taxman entirely.Finally, they dive into the early warning signs in real estate: a 20% surge in foreclosures, rising household debt, declining home values in more than half the country, and why builders and contractors are suddenly slowing down after three years of nonstop demand.From macro data to mindset, policy to portfolio strategy, this episode gives you a blunt, unfiltered look at what's really happening—and how to position yourself for what comes next.Topics Covered:Record-breaking Black Friday and weekend salesSurging Buy Now Pay Later usage among younger and higher-income consumersMarket outlook and the potential Santa Claus rallyQuantitative tightening ending and what QE/QT shifts mean for investorsRising credit card usage and cracks in the consumer debt cycleTrump's push to abolish income tax and the realistic feasibilityTariffs, flat sales tax, and alternate revenue modelsInstitutional crypto adoption and Vanguard's ETF reversalForeclosures up 20% and household debt hitting new recordsHome price declines vs. rising median sale priceContractors and builders slowing as demand shows early signs of coolingHousing affordability outlook heading into 2026AI valuations, Anthropic's IPO plans, and future Fed chair speculationEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

20251202- Italy 2026; Travel Deals; 360° View Train Cars; Buy Now Pay Later Vacations by That KEVIN Show

Bankrate financial analyst, Stephen Kates, tells Megan Lynch that buy-now, play later plans, 'can be a good deal, if you use it responsibly.' He does warn that they, 'can lead to overspending, that's the danger zone.'

Plus: Shares of Shopify fall following outage. And bitcoin treasury company Strategy cuts outlook amid Bitcoin price drop. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Buy now, pay later" has become a retail fixture seemingly overnight, and Cyber Monday is set to be its biggest sales day yet. But as “pay in 4” platforms offer customers freedom and flexibility, are they also opening the door to a wave of unregulated debt? In this episode: Emily Stewart, Senior Correspondent, Business Insider Episode credits: This episode was produced by Tamara Khandaker with Phillip Lanos, Spencer Cline, Farhan Rafid, Fatima Shafiq and our host, Malika Bilal. It was edited by Kylene Kiang. Our sound designer is Alex Roldan. Our video editors are Hisham Abu Salah and Mohannad al-Melhem. Alexandra Locke is The Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

With all the noise over the Black Friday and Cyber Monday we want people to think about whether there are REAL deals out there, or if its simply credit induced spin which could lead to tears later. So we look at the latest data on credit, and especially the rise of Buy Now Pay Later … Continue reading "Black Friday Sales May End In Grief…."

Black Friday is coming, and you've got two choices: get trampled at 3 a.m. for a discount air fryer, or learn how the pros actually save hundreds without the drama. Joe Saul-Sehy and Neighbor Doug kick off Black Friday week with the perfect blend of strategy and sanity. First up: Australian comedian Josh Liston tries to make sense of American Thanksgiving traditions and why we consider waking up before dawn to fight strangers over discounted electronics "normal holiday fun." Spoiler: he's not buying it. Then Regina Conway from Slick Deals drops in with the actual playbook. Regina breaks down when to shop during Black Friday week (different categories peak on different days), how to stack coupons with cashback and gift card deals for maximum savings, and why subscriptions and memberships might be the smartest budget-friendly gifts you're not considering. She also reveals how the Slick Deals community spots hidden bargains before they disappear—and how you can do the same. But here's where it gets real: Joe, Doug, and Josh tackle Buy Now Pay Later schemes like Affirm and Klarna. They're everywhere this season, and they're tempting. They're also the financial equivalent of eating Halloween candy for breakfast—feels great in the moment, regrettable by lunch. You'll learn exactly when these services make sense (rare) and when they're just a trap disguised as convenience. Whether you're hunting deals or trying to avoid holiday debt, this episode is your survival guide for coming out ahead. What You'll Walk Away With: • Regina Conway's insider strategy for when to shop during Black Friday week (hint: timing matters more than you think) • How to stack coupons, cashback offers, and gift card deals to maximize every purchase • Why subscriptions and memberships make surprisingly smart (and budget-friendly) holiday gifts • Grocery hacks that actually save money during the most expensive shopping weeks of the year • The truth about Buy Now Pay Later—when it's useful and when it's just expensive debt with good marketing • How community-powered deal sites like Slick Deals help you find and vet bargains before they vanish • Smart strategies to enjoy the holidays without the January credit card hangover This Episode Is For You If: • You want Black Friday deals without the 3 a.m. wake-up call or the crowds • You're trying to save money this season but feel overwhelmed by all the "deals" • You've been tempted by Buy Now Pay Later but aren't sure if it's smart or stupid • You want to give great gifts without blowing your budget (or your sanity) • You believe there's a smarter way to shop than fighting strangers for discounted TVs What's Your Black Friday Strategy? Are you a doorbuster warrior, an online deal hunter, or someone who avoids the whole thing? Drop your approach in the comments—and if you've got a Black Friday horror story (or victory), the basement wants to hear it. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-save-big-this-black-friday-regina-conway-1765 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Primark has introduced Buy Now Pay Later options through Klarna and Clearpay... marking a major milestone in BNPL's journey from innovation to mass adoption. This episode, sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, and Quorso, explores what this means for retailers. Chris declares that BNPL has officially "crossed the chasm", seven years after it first emerged at Shop.org in 2018. When you can buy $4 shirts on installments, there's no turning back. Anne shares shocking data: 25% of Americans now use BNPL for groceries, up from 14% just a year ago. For the full episode head here: https://youtu.be/wZ9XYQsclAU #primark #buynowpaylater #klarna #clearpay #bnpl #retailpayments #paymentinnovation #retailtech #affordablefashion #retailnews

HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge debate and the cost of credit reports to regulatory shifts, innovation in alternative data, and the rise of VantageScore.More from this episode:Why is data so important in today's mortgage ecosystem?Data drives nearly every step of the mortgage process — from pre-qualification to underwriting. As Joel Rickman explains, “more data is better for the consumer,” because richer data helps more people qualify for home loans while maintaining safety and soundness in the system.How are the credit bureaus competing and collaborating?While they compete fiercely for business, the three bureaus share a united goal of financial inclusion. Each is innovating through differentiated data sources like rental payments, utilities, telecom data, and cash-flow insights — all designed to represent consumers more fairly.What new data types are shaping credit files?The credit file has never been more diverse.Buy Now, Pay Later (BNPL) accountsRental and utility paymentsShort-term lending dataCash-flow management attributesThese data sets help lenders build more accurate profiles of consumers who were previously underserved or “credit invisible.”What role does regulation play in driving innovation?The panelists agree that regulation and innovation can coexist. The FHFA's adoption of modern scores like VantageScore 4.0 is one example of policy enabling progress — allowing new models that use broader data to enter the market.What is the bi-merge debate, and why does it matter?The bi-merge proposal — using two credit reports instead of three — is a hot topic at MBA Annual 2025.The bureaus argue that reducing data increases risk and could harm consumers by creating gaps in credit history, leading to higher pricing or denied loans.How are the bureaus improving consumer education?Each company invests in tools and partnerships that help consumers understand and improve their credit:Equifax: education through lender partnershipsExperian: initiatives like Boost and HomeFree USA to reach underrepresented communitiesTransUnion: free credit monitoring and app-based education to help consumers take control of their credit healthWhat innovations are leading the way in credit reporting?Equifax is leveraging The Work Number and NCTUE data to bring employment and telecom insights into credit decisions.Experian is pioneering cash-flow scoring and consumer-permissioned data.TransUnion is expanding rental trade lines and short-term lending insights to include more first-time buyers.How should lenders prepare for VantageScore adoption in 2026?All three bureaus encourage lenders to start testing VantageScore now. They're offering early access to evaluate how it performs in underwriting and portfolio management before GSE guidelines take effect. 

The wildest hocus pocus you'll see this Halloween isn't in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you've already swiped your way into one of these spells.

In this episode of the Sunlight Tax podcast, I dig into the real impact of Buy Now, Pay Later (BNPL) services on spending habits and financial health. These “pay-later” plans may seem harmless, but they can quietly lead people, especially young consumers—into cycles of debt and financial stress. I break down how BNPL changes the way we think about money, what the long-term risks are, and why financial education is one of the most effective tools for protecting yourself. Research shows that learning even the basics of personal finance can save you tens of thousands of dollars over your lifetime.   Also mentioned in this episode: 02:00 Introduction to Personal Finance and Consumer Culture 04:15 The Dangers of Buy Now, Pay Later Services 06:37 The Importance of Personal Finance Education 09:49 The Value of Financial Literacy 12:28 Building Wealth Through Smart Financial Habits 15:11 Conclusion and Call to Action   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: New York Times Article: They Got To Live A Life Of Luxury. Then Came The Fine Print  'Buy Now, Pay Later' has built a delirious new culture of consumption — and trapped users in a vortex of debt. CNBC Article: You can put a price tag on the value of a personal finance education: $100,000 Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions  

Amanda Silberling joins Mikah Sargent on Tech News Weekly this week! Casio has a new smart toy companion powered by AI. The UK is still seeking to develop backdoor encryption for Apple users. ChatGPT is looking to act more like an operating system. And how the 'Buy Now, Pay Later' model has built a $120 billion industry. Amanda has her hands on a new AI-powered smart companion from Casio! She and Mikah talk about the device, how it works, and the possible data security and privacy concerns. Mikah talks about the UK's continued push to create backdoor encryption for Apple users in the country. Sabrina Ortiz of ZDNet joins the show to discuss OpenAI's Dev Day and the company's ambitions to make OpenAI function like an OS with the launch of the Apps SDK. Finally, Mikah shares an article from The New York Times Magazine about the 'Buy Now, Pay Later' market, which allows buyers to obtain their items easily and traps users in a swarm of debt. Hosts: Mikah Sargent and Amanda Silberling Guest: Sabrina Ortiz Download or subscribe to Tech News Weekly at https://twit.tv/shows/tech-news-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: pantheon.io threatlocker.com/twit cachefly.com/twit

Amanda Silberling joins Mikah Sargent on Tech News Weekly this week! Casio has a new smart toy companion powered by AI. The UK is still seeking to develop backdoor encryption for Apple users. ChatGPT is looking to act more like an operating system. And how the 'Buy Now, Pay Later' model has built a $120 billion industry. Amanda has her hands on a new AI-powered smart companion from Casio! She and Mikah talk about the device, how it works, and the possible data security and privacy concerns. Mikah talks about the UK's continued push to create backdoor encryption for Apple users in the country. Sabrina Ortiz of ZDNet joins the show to discuss OpenAI's Dev Day and the company's ambitions to make OpenAI function like an OS with the launch of the Apps SDK. Finally, Mikah shares an article from The New York Times Magazine about the 'Buy Now, Pay Later' market, which allows buyers to obtain their items easily and traps users in a swarm of debt. Hosts: Mikah Sargent and Amanda Silberling Guest: Sabrina Ortiz Download or subscribe to Tech News Weekly at https://twit.tv/shows/tech-news-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: pantheon.io threatlocker.com/twit cachefly.com/twit

In this special video episode, Sean and Elizabeth and special guests eat spicy wings and share hot takes on saving versus investing, inflation, crypto, and when to trade up for an electric vehicle. When should you prioritize investing over traditional savings? How do you know when to keep repairing your car versus trading it in for something new, like an EV? Hosts Sean Pyles and Elizabeth Ayoola share their zestiest financial takes over hot wings, blending financial insights with fiery fun. NerdWallet YouTube creator Stephen Smith joins them in-person at NerdWallet HQ in Scottsdale, AZ, for a lively discussion which, like the hot sauce, gets eye-wateringly spicy. They debate whether saving in a checking account makes sense, how high-yield savings stack up against inflation, and whether the U.S. dollar could one day be backed by cryptocurrency. They also dig into why consumer debt is so easy to rack up, including the rise of Buy Now, Pay Later for everyday purchases. Then, listener Sandra joins the in-person conversation with Sean and Elizabeth as they discuss whether she should keep repairing her Acura or buy a new EV. They explore repair costs versus new car payments, the impact of high-yield savings rates, trade-in timing, and refinancing considerations. The episode wraps with practical insights on how to balance financial security with lifestyle goals like travel, education savings, and staying debt-free. Get matched with a financial planner for free using NerdWallet Advisors Match: https://nerdwalletadvisors.com/match  Smart Money is a finalist for TWO Signal Awards! Please take a moment to vote for us here: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/genre/money-finance  https://vote.signalaward.com/PublicVoting#/2025/shows/genre/money-finance  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: Bitcoin reserve currency, dollar backed by crypto, consumer debt in America, Buy Now Pay Later pros and cons, Klarna food delivery, Klarna at Chipotle, financing gas with BNPL, credit card debt cycle, checking account interest rates, financial literacy for kids, trust fund for children, custodial accounts for kids, Acura MDX, car repair costs, car repair vs new car cost, average car payment 2025, EV tariffs 2025, zero APR car financing, mortgage refinance break-even, 529 vs Roth IRA rollover, saving for college vs high-yield savings, passing down a car to kids, luxury vehicle maintenance costs, average miles per year US drivers, opportunity cost of buying a car, travel vs new car decision, and financial security vs lifestyle goals.. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Air Date: 9–24-25 Today, Jay!, Amanda, Deon, and Erin discuss: Ch. 1 - Intro, and quick follow up on bad satire Ch. 2 - The new culture of ‘buy now pay later' and how these companies are manipulating the public to normalize the culture of overconsumption Ch. 3 - How companies pass the environmental toll of their products on the public, and the rise of “cute” debt Ch. 4 - The way heavy ‘buy now pay later' marketing has dramatically changed people's impression of how they spend their money Ch. 5 - Why poor voters are America's swing voters and why that's extremely important right now SOLVED! BACKSTAGE: Beyond the Algorithm: How we should address young boy's anger FOLLOW US ON: Bluesky Mastadon Instagram Facebook YouTube (This episode drops on YouTube on Friday - please share!) Nostr public key: npub1tjxxp0x5mcgl2svwhm39qf002st2zdrkz6yxmaxr6r2fh0pv49qq2pem0e REFERENCES: Buy now, pay later usage for groceries nearly doubles as consumers struggle with food costs - Fox Business Consumers Are Financing Their Groceries. What Does It Say About the Economy? - The New York Times Inside the Manipulative “conspiracy” of consumption - Fast Company The Rise of ‘Cute Debt' - The Atlantic The ‘Buy Now, Pay Later' Bubble Is About to Burst - The Atlantic Poor People Are America's Swing Voters - Time MEMBERS Child Soldiers - Slate TAKE ACTION: No Kings National Day of Action - Oct. 18th Free DC Project: FOR ALLIES ACROSS THE COUNTRY - Tell Congress to stand down the federal escalation One Million Rising Trainings In a blue state? Help stop ICE overreach Use the 5 Calls app for scripts and to reach all your elected officials Capitol Switchboard: 202-224-3121

Several months' worth of rain fell in Texas in just a few hours, leading to flash floods that killed at least two dozen people. With his "big, beautiful bill" now law, what's next on President Trump's agenda? And FICO will start considering Buy Now, Pay Later loans in credit scores.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy