GoodsFox data shows PayPal, the global online-payment giant, is rapidly scaling its BNPL push: ads now run across 49 markets, with creative volume surging 42.8% in 30 days. Most of these ads promote the same message—“Save this Black Friday offer and get 20% cash back for a limited-time on fashion finds when you Pay in 4 with PayPal” This reveals a clear shift: instalments are no longer a side option but a frontline growth strategy. source: GoodsFox Yet the consumers are adopting instalments as routine spending, just as signs of hidden debt and rising delinquencies begin to surface. BNPL Usage Has Shifted From Convenience to Necessity Industry veteran Nigel Morris, co-founder of Capital One and early investor in multiple BNPL […]