Klarna, Affirm, Afterpay: How ‘Buy Now Pay Later’ Built a New Culture of Consumption – The New York Times

‘Buy Now, Pay Later’ built a delirious new culture of consumption — and trapped users in a vortex of debt.

https://www.nytimes.com/2025/10/07/magazine/buy-now-pay-later-klarna-affirm-shopping.html