Yuav tam sim no, them tom qab tsis yog boom, nws yog npuas, Harvard tus khub hais

Cov neeg feem coob nyiam qhov yooj yim ntawm kev yuav tam sim no, them tom qab.

Txij li thaum pib ntawm tus mob coronavirus pandemic, cov nyiaj them poob haujlwm tau tawg nyob rau hauv qhov chaw nrog rau kev nthuav dav dav hauv Kev yuav khoom hauv online.

Thaum pib, nthuav tawm tus nqi ntawm kev yuav daim pib loj - zoo li ib Peloton, piv txwv li - tsuas yog ua rau kev txiav txim siab nyiaj txiag, tshwj xeeb tshaj yog ntawm 0%.

Tam sim no, 4 ntawm 5 Asmeskas cov neeg siv khoom siv BNPL ntawm txhua yam ntawm khaub ncaws mus rau cov khoom siv tu, raws li Experian, thiab cov neeg yuav khoom feem ntau hais tias yuav tam sim no, them nyiaj tom qab tuaj yeem hloov lawv txoj kev them nyiaj ib txwm muaj (zoo li, credit card).

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Marshall Lux, tus khub ntawm Mossavar-Rahmani Center for Business and Government ntawm Harvard Kennedy School tau hais tias "Nws nyuaj rau yuav ib yam dab tsi ntxiv yam tsis tau nug yog tias koj xav them nyiaj dhau sijhawm."

Niaj hnub no, cov neeg siv khoom feem ntau yuav pom kev yuav tam sim no, them nyiaj tom qab xaiv thaum yuav khoom hauv online ntawm cov khw muag khoom xws li Target, Walmart thiab Amazon, thiab ntau tus neeg muab kev pabcuam tau qhia txog qhov browser txuas ntxiv, uas koj tuaj yeem rub tawm thiab siv rau txhua qhov kev yuav khoom hauv online. Tom qab ntawd muaj cov apps, uas cia koj siv cov nyiaj them poob haujlwm thaum yuav khoom ntawm tus kheej, ib yam nkaus - ib yam li koj yuav siv Apple Pay.

"Peb xyoos dhau los, tib neeg tham txog Peloton tsheb kauj vab, tam sim no tib neeg tab tom yuav khau ntaub, ris tsho, thom khwm," Lux hais. "Thaum tib neeg pib yuav khoom hauv tsev ntawm credit, qhov ntawd qhia txog teeb meem."

Tsis tas li ntawd, BNPL txoj kev loj hlob sai yog tsav los ntawm cov neeg siv khoom hluas, nrog ob feem peb ntawm BNPL cov neeg qiv nyiaj suav tias yog subprime, Lux tau sau tseg, ua rau lawv tshwj xeeb tshaj yog muaj kev cuam tshuam rau kev lag luam lossis kev poob qis.

Nws hais tias "Cov no yog cov neeg uas tsis tuaj yeem raug mob," nws hais.

Tsis tas li ntawd, ze li ntawm 70% ntawm kev yuav tam sim no, them nyiaj tom qab cov neeg siv lees paub siv ntau dua li lawv xav tau yog tias lawv yuav tsum them rau txhua yam ua ntej, kev tshawb fawb los ntawm LendingTree.

Qhov tseeb, 42% ntawm cov neeg tau txais kev pab uas tau muab tawm tam sim no, them nyiaj qiv tom qab tau them nyiaj lig rau ib qho ntawm cov nyiaj qiv, LendingTree pom.

Gen Zers feem ntau yuav tsis tau them nyiaj thiab coj mus rhaub BNPL rau kev yuav khoom txhua hnub es tsis yog cov khoom loj, raws li kev sib cais kev tshawb fawb los ntawm qhov chaw pov npav Piplsay.

Feem ntau, yog tias koj tsis tau them nyiaj tuaj yeem them tus nqi lig, cov paj laum lossis lwm yam kev nplua, nyob ntawm tus qiv nyiaj. (CNBC's xaiv muaj ib tug puv puv ntawm cov nqi, APRs, seb a credit xyuas yog ua, thiab yog tias tus kws kho mob tau ceeb toom rau qhov qhab nia credit tuam txhab uas muag, nyob rau hauv cov ntaub ntawv uas ib tug lig kev them nyiaj kuj yuav ding koj cov qhab nia credit.)

Txawm hais tias, "lawv yuav tsis tuaj rau koj cov khau ntaub, qhov tseeb tias koj tuaj yeem yuav ib yam dab tsi thiab tsis paub tias yuav muaj dab tsi tshwm sim thaum koj ua tsis tau - rau tus neeg nruab nrab ua haujlwm them nyiaj rau daim tshev nyiaj, qhov no dhau los ua teeb meem," hais Lux. "Nws zoo li Wild West-y me ntsis rau kuv."

Tsis muaj kev saib xyuas ntau, BNPL kev lag luam tam sim no muaj nyob rau hauv "qhov chaw grey raug cai," raws li Lux.

Nws tau hais tias "Cia peb sim ntsuas qhov no," nws hais. "Nws muaj peev xwm ua npuas loj heev."

Consumer Financial Protection Bureau muaj qhib qhov kev nug mus rau nrov yuav tam sim no, them nyiaj tom qab cov kev pab cuam.

Tus saib xyuas nyiaj txiag tau hais tias nws muaj kev txhawj xeeb tshwj xeeb txog qhov kev pab cuam no cuam tshuam li cas rau cov neeg siv khoom siv cov nuj nqis, nrog rau cov kev cai lij choj tiv thaiv cov neeg siv khoom siv thiab seb cov chaw them nyiaj sau cov ntaub ntawv li cas.

"Yuav tam sim no, them nyiaj tom qab yog qhov tshiab ntawm cov txheej txheem qub qub, tab sis nrog niaj hnub, nrawm dua qhov twg cov neeg siv khoom tau txais cov khoom tam sim ntawd tab sis tau txais cov nuj nqis tam sim, ib yam nkaus," CFPB Tus Thawj Coj Rohit Chopra tau hais hauv nqe lus.

CFPB tseem tsis tau tshaj tawm nws cov kauj ruam tom ntej.

Sau npe yuav CNBC hauv YouTube.