> What I'm concerned about is in the graph - why the hell are 46% of consumers using BNPL for "Clothing, Shoes, and Accessories" My question is what % are they

> What I'm concerned about is in the graph - why the hell are 46% of consumers using BNPL for "Clothing, Shoes, and Accessories" My question is what % are they paying for financing. I've financed several things with BNPL. Every time it was for 0%. At a time when inflation is whatever absurdly high number and banks are paying ~4% for cash deposits, not taking a 0% loan would be silly. It's free money and my bigger surprise is why aren't 100% of consumers financing everything.