Tumbas mangkin, naur salanturnyané
Meli mangkin, mayah salanturnyane (BNPL) inggih punika soroh pembiayaan jangka pendek sane ngawinang konsumen prasida matumbasan lan naur ring tanggal sane jagi rauh. [1] BNPL umumnyane kasusun sakadi proses peminjaman jinah sewa utawi rencana angsuran sane nyarengin konsumen, pembiaya, lan dagang. Para pembiaya naur dagang ngangganin konsumen ritatkala barang utawi jasa katumbas olih sang sane kaping untat. [2] Pembayaran punika salanturnyane kawaliang olih konsumen saking galah ka galah antuk angsuran sane pateh. Akehnyane angsuran lan masa pembayaran mabinayan manut ring pembiaya BNPL. [3]
Wangun BNPL sane pinih riin mawit saking abad ka-19, ritatkala rencana angsuran medal pinaka cara konsumen numbas barang sane maal (contonyane perabotan, piano lan piranti pertanian) ipun nenten madue dana anggen numbas langsung. [4] Ring India, BNPL kabaos mesib sareng sistem Udhar Khata tradisional sane madasar antuk kertas ring panegara punika, inggih punika toko-toko sudut, sane kaloktah dados kiranas ring lokal, nyimpen buku besar kredit sane kacatet manual mangda prasida pelanggannyane numbas bekel antuk kredit lan naur salanturnyane. [5] [6]
Ring pangawit abad ka-21, perusahaan fintech nglimbakang sistem sane ngawinang peminjaman rencana angsuran prasida terintegrasi ring arus pembayaran toko online, ngawinang konsumen prasida ngamolihang kredit instan ring titik jual lan naur pembelian salanturnyane, madasar antuk jadwal sane sampun kacumpuin. Unsur integrasi miwah pemrosesan instan punika sane ngawinang BNPL matiosan sareng pendekatan tiosan ring pemberian kredit konsumen. [7] Era pandemi COVID-19 ngasilang panincapan sane ageng ring transaksi BNPL ring Amerika Serikat, ngawit saking $2 miliar ring warsa 2019 ngantos $24,2 miliar ring warsa 2021. [8]
- ↑ "What Is Buy Now, Pay Later?". Investopedia (ring Inggris). Kaarsipin saking versi asli tanggal 27 May 2022. Kaaksés 26 May 2022.
- ↑ "The growing popularity of 'buy now, pay later' in Singapore". KrASIA (ring Inggris). 9 May 2022. Kaarsipin saking versi asli tanggal 20 May 2022. Kaaksés 26 May 2022.
- ↑ "Key Differences Between BNPL and Traditional Lending: Tips for Making the Right Financial Choice - Wheon" (ring Inggris). 2024-11-01. Kaaksés 2024-11-02.
- ↑ Boxell, James (15 September 2021). "How Old-Style Buy Now, Pay Later Became Trendy 'BNPL'". Bloomberg.com. Kaarsipin saking versi asli tanggal 13 December 2021. Kaaksés 13 December 2021. Check date values in:
|date=(help) - ↑ Jain Kaushal, Teena; Adhikari, Anand (7 January 2022). "Are We Headed for a BNPL Trap?". BusinessToday.In. Kaarsipin saking versi asli tanggal 29 May 2022. Kaaksés 29 May 2022.
- ↑ "Indian millennials are buying now and paying later during uncertain economy". KrASIA (ring Inggris). 21 December 2021. Kaarsipin saking versi asli tanggal 14 March 2022. Kaaksés 29 May 2022.
- ↑ Gerrans, Paul; Baur, Dirk G; Lavagna-Slater, Shane (21 July 2021). "Fintech and responsibility: Buy-now-pay-later arrangements". Australian Journal of Management. 47 (3): 3–4. doi:10.1177/03128962211032448.
- ↑ Paige Sutherland; Meghna Chakrabarti (May 10, 2024). "The unregulated boom in the 'buy now, pay later' market". WBUR.