Because it is integrated POS, and is even more frictionless than credit. You don't need a credit check, you can sign up to many BNPL providers at once, and you

Because it is integrated POS, and is even more frictionless than credit. You don't need a credit check, you can sign up to many BNPL providers at once, and you are presented with options in store and online to buy with 'x' right now and not pay a cent. It drives impulsive spending behaviours. It is all bad.