Tom qab lub hlis ntawm speculation, Apple
AAPL,
thaum kawg unveiled nws yuav tam sim no, them nyiaj tom qab muab lub lim tiam no, nkag mus rau hauv kev lag luam uas tau ntsib kev loj hlob tawg. Tab sis cov neeg siv khoom yuav tsum ceev faj txog kev dhia mus rau hauv qhov kev pabcuam thiab ua ntej xav txog qee qhov kev poob siab, cov neeg soj ntsuam hais.
Yuav tam sim no, them nyiaj tom qab - tseem hu ua "BNPL" - kev pib ua lag luam muab cov khoom lag luam yooj yim (tsawg kawg ntawm qhov chaw): Cov neeg siv khoom siv cov khoom lag luam tuaj yeem faib cov nqi rau plaub qhov me me, uas feem ntau yog cov paj laum- dawb, ua ntau tshaj li ob peb lub lis piam.
Los ntawm cov ntaub ntawv (Tsib Hlis 2021): Kev yuav tam sim no, them tom qab nthwv dej: Tom qab them nyiaj, Klarna, Pom zoo thiab cov neeg sib tw vam tias yuav coj Asmeskas los ntawm cua daj cua dub
BNPL cov tuam txhab muaj kev koom tes nrog cov khw muag khoom loj zuj zus - los ntawm American Airlines
UA,
rau Rite Aid
RAD,
- uas nthuav dav ntau lub khw muag khoom uas tus neeg siv khoom xaiv siv cov kev pabcuam them nyiaj tom qab. Cov tuam txhab tau nyiaj los ntawm kev them cov tub lag luam no tus nqi ntawm txhua qhov kev yuav khoom.
Apple cov khoom lag luam BNPL yog siv los ntawm Mastercard network, thiab yuav tsum muaj nyob txhua qhov chaw uas Apple Pay muaj.
APPLE WWDC/YOUTUBE
Twb yog cov khoom kub kub kub, BNPL zoo li yuav pom qhov muaj zog txaus siab rau kev nkag mus ntawm kev siv thev naus laus zis zoo li Apple, cov kws tshuaj ntsuam hais tias. Apple's BNPL cov khoom siv los ntawm Mastercard
THIAB,
network, thiab nws tau teem tseg kom muaj nyob txhua qhov chaw Apple Pay yog qhov kev xaiv them nyiaj. Kev them nyiaj tuaj yeem tswj hwm ntawm iPhone nws tus kheej ntawm Apple Wallet.
Apple tsis tau teb tam sim ntawd rau MarketWatch thov kev tawm tswv yim ntawm nws txoj haujlwm BNPL.
Ua ntej Apple tshaj tawm, ntau dua 10% ntawm Asmeskas cov neeg laus tau soj ntsuam los ntawm Fed hauv 2021 hais tias lawv tau siv BNPL kev pabcuam hauv xyoo tas los; 78% ua li ntawd tawm ntawm qhov yooj yim, thiab 53% ua li ntawd kom tsis txhob siv daim npav rho nyiaj. Kev txhawj xeeb, kwv yees li ib nrab hais tias nws yog "tsuas yog txoj hauv kev uas lawv tuaj yeem them taus lawv qhov kev yuav khoom." BNPL muaj ntau dua ntawm cov neeg uas tau nyiaj tsawg thiab kev kawm tsawg, Fed tau piav qhia hauv nws daim ntawv tshaj tawm xyoo 2021.
Nplooj ntawv nkag rau Afterpay, ib qho ntawm ntau lub tuam txhab yuav-tam sim no-them-them tom qab. Kwv yees li ib nrab ntawm cov neeg uas tau siv BNPL tau hais tias lawv tau ua li ntawd vim tias nws yog tib txoj hauv kev uas lawv tuaj yeem them taus kev yuav khoom, raws li Fed daim ntawv ntsuam xyuas ntawm US tsev neeg.
Bloomberg
Nov yog plaub qhov laj thawj cov neeg yuav khoom yuav xav ua tib zoo ua ntej kos npe rau BNPL txoj haujlwm, raws li cov kws tshaj lij.
1. Kev them nyiaj tsis txaus siab tsis tau txhais hais tias kev yuav khoom tam sim no-them-tom qab yuav pheej yig dua.
Hauv kev faib cov nyiaj them rau plaub thiab ua cov khoom kim "pheej yig dua" thiab tswj tau ntau dua los ntawm kev them nyiaj hauv cov nyiaj, muaj peev xwm txaus ntshai ntawm kev siv nyiaj ntau dua.
Cov neeg siv khoom siv BNPL "yuav tsum tau ceev faj tiag tiag txog tag nrho cov nqi ntawm cov tswv," Ted Rossman, tus kws tshuaj ntsuam xyuas kev lag luam loj ntawm CreditCards.com, hais rau MarketWatch. "Tsis txhob poob rau hauv qhov ntxiab ntawm no, 'Auj, nws tsuas yog plaub them nyiaj tshaj rau lub lis piam - nws tsis yog qhov phem.' Tus nqi tiag tiag uas koj tshuav yog dab tsi? Puas yog koj muab qhov no nrog lwm tus yuav tam sim no, them nyiaj tom qab cov phiaj xwm?
"Koj tsuas yog yuav tsum ceev faj kom tsis txhob siv nyiaj ntau, vim tias $ 50 ntawm no thiab $ 50 muaj peev xwm ntxiv tau tiag tiag," Rossman ntxiv. "Muaj qee qhov txaus ntshai ntawm kev siv nyiaj ntau dhau."
Klarna tau tshwm sim los ua lub zog yuav-tam sim no-them-them tom qab lub zog.
Getty Dluab
2. Kev yuav tam sim no thiab them nyiaj tom qab rau cov khoom tseem ceeb tuaj yeem yog qhov cim ntawm kev nyuaj siab nyiaj txiag.
Kuj tseem muaj peev xwm ncua kev them nyiaj tsis tsim nyog, tshwj xeeb tshaj yog rau cov khoom tseem ceeb, uas tuaj yeem dhau los ua Band-Aid uas npog cov teeb meem nyiaj txiag tob.
Piv txwv li, raws li BNPL cov tswv lag luam koom tes nrog cov tuam txhab uas muab cov khoom tseem ceeb - los ntawm chaw sam roj tsheb rau khw muag khoom noj - Cov neeg tuaj yeem txiav txim siab siv cov nyiaj them poob haujlwm rau cov kev pabcuam no.
Rossman tau hais tias "Yuav muaj kev lag luam loj rau cov khoom xws li roj thiab khoom noj," Rossman tau hais, thiab "qhov ntawd ua rau kuv txhawj xeeb. Nws yog me ntsis zoo li nyiag Peter kom them Paul."
Tshwj xeeb tshaj yog nyob rau hauv ib puag ncig kev nce nqi, nrog cov nqi roj thiab khoom noj khoom haus siab, muaj kev ntxias siv BNPL kom ncua cov nqi.
Tab sis yog tias tus neeg siv BNPL nthuav tawm cov nyiaj them ntau dua rau lub lis piam, Rossman tau hais tias, "hauv rau lub lis piam, koj yuav xav tau roj ntau ntxiv ... qhov ntawd zoo ib yam li koj nyob nraum upside down."
3. BNPL ua tau Tej zaum yuav cuam tshuam koj cov qhab nia credit nyob rau hauv lub neej yav tom ntej.
Kev ploj ntawm BNPL kev them nyiaj yuav tsis raug txim tib yam li qhov tsis tau them credit-card. Cov nqi lig tsis tseem ceeb, tam sim no. Tab sis nrog cov tuam txhab qiv nyiaj saib BNPL thiab xav txog yuav ua li cas rau account rau lawv hauv cov neeg siv cov qhab nia credit, muaj peev xwm ua rau qee qhov kev puas tsuaj tshwm sim rau koj cov qhab nia credit yav tom ntej.
Nws tseem tsis tau tshwm sim, tab sis TransUnion
TRU,
Equifax
EFX,
thiab Experian
EXPGY,
yog txhua tus saib xyuas qhov chaw yuav-tam sim no-pa-tom qab kom nkag siab tias nws ua haujlwm li cas thiab yuav ua li cas koom nrog hauv cov qhab nia credit, raws li lawv cov vev xaib.
Fed qhov kev tshawb fawb tau hais tias feem ntau cov neeg siv BNPL them nyiaj raws sijhawm. Kev them nyiaj lig, txawm li cas los xij, muaj ntau dua ntawm cov uas tau txais tsawg dua $ 50,000 ib xyoos, thiab ntawm cov neeg uas hais tias lawv tau qhab nia qis dua.
Yog li kos npe rau qhov kev pabcuam BNPL ntawm koj lub iPhone tuaj yeem ua rau koj cov qhab nia credit yog tias koj tsis them nyiaj txaus.
Apple Pay tau tsim tawm hauv 2014.
Duab los ntawm Bryan Thomas / Getty Images
4. Lub sijhawm zoo yuav tsis nyob mus ib txhis rau cov neeg siv BNPL.
Thaum kawg, muaj kev pheej hmoo ntawm BNPL cov tuam txhab hloov pauv tack, vim hais tias muab xoom-nqi qiv qiv thaum muaj kev nce nqi rov qab tuaj yeem dhau los ua tus nqi - thiab, yog li ntawd, destined yuav luv luv.
Raws li lub ntiaj teb tshwm sim los ntawm hnub tsaus ntuj tshaj plaws ntawm COVID-19, muaj lub sijhawm uas Tsoom Fwv Teb Chaws Reserve yuav nce cov paj laum ntau dua li qhov nws twb muaj rau hauv kev rau siab los tswj kev nce nqi hauv Teb Chaws Asmeskas.
Kev nce paj paj twb cuam tshuam rau tsev khw thiab credit card. Yog tias BNPL cov chaw muab kev pabcuam txuas ntxiv muab cov nyiaj qiv qis qis, cov neeg siv khoom muaj peev xwm tig mus rau lawv ua qhov loj dua thiab pheej hmoo yuav khoom, uas lawv yuav tsis tas them tag nrho.
Xav txog qhov no: Kwv yees li 3.7% ntawm cov nyiaj qiv nyiaj tseem ceeb ntawm BNPL tus neeg teb xov tooj lees paub
AFRM,
twb tau tsawg kawg yog 30 hnub lig thaum kawg ntawm lub Peb Hlis, uas yog nce los ntawm 1.4% ib xyoo dhau los, Wall Street Journal tau tshaj tawm.
Kev poob, ib feem cuam tshuam txog kev them nyiaj lig, tau nce rau Affirm, thiab tseem rau Zip, lwm tus neeg ua si BNPL, Phau ntawv xov xwm tau tshaj tawm.
Kev lees paub hais tias qhov nce ntawm cov nyiaj them lig yog cuam tshuam nrog cov qauv kev sau nqi qis dua; Zip tau hais tias qee qhov ntawm nws qhov kev poob yog cuam tshuam rau "cov tuam txhab uas nws tau txais hauv 2021," Phau ntawv Journal tau tshaj tawm.
Tau qhov twg los: https://www.marketwatch.com/story/robbing-peter-to-pay-paul-apple-is-the-latest-company-offering-buy-now-pay-later-4-reasons-you- should-think-twice-before-signing-up-11654624235?siteid=yhoof2&yptr=yahoo