Buy Now, Pay Later — Empowerment or Debt Trap?

You’ve probably seen it before — a tempting little button that says “Pay in installments with SPaylater, Check out with TikTokPaylater, or Use LazPaylater”. Just one click, and that gadget, those shoes, or that “I deserve” this thing you want is yours instantly. It sounds empowering, right? There’s no need to wait for your next […]