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所在平台: Udemy |
课程主页: https://www.udemy.com/course/bnplfintech-buy-now-pay-laterwith-practical-case-studies/
课程评论：没有评论
课程名称：BNPL（金融科技——先买后付）案例研究 课程概述：BNPL，即“先买后付”服务，近年来迅速流行，成为一种便捷、实惠的交易选择，有助于减轻债务人的财务负担。此项“后付”选项是一种小额贷款，使消费者能够在进行即时付款时在线下和线上购物。BNPL允许买家在规定时间内购买产品并分期付款。这些解决方案旨在让购物者在规定的分期内购买商品并支付费用，且通常对客户几乎没有利息和隐藏费用，意味着客户没有额外成本。 “先买后付”服务通常作为支付流程中的一种选择，与信用卡和其他支付方式并排展示。当客户进行一次性购买时，他们只需在支付表单中选择“先买后付”提供商，接着被重定向到提供商的网站或应用程序中创建账户或登录。客户可以选择是否接受还款计划的条款，通常选择双周或每月分期付款，然后完成购买。 一旦购买完成，商家可立即获得全额付款（扣除任何费用）。客户则直接向“先买后付”提供商支付分期款，通常在按时还款时不会产生利息和额外费用。如果未能在规定的还款期限内还款，贷方可能会对未还款项收取利息，进一步的延迟可能会严重影响客户的信用评分。
BNPL, or the Buy Now, Pay Later facility, has gained tremendous popularity over the last few years. It has become a convenient and affordable option to make transactions and reduce the financial burden on debtors. This Pay Later option is a small-ticket loan that permits offline and online purchases when making instant payments. It allows buyers to purchase products and pay the price during a stipulated time.BNPL solutions were designed to allow shoppers to purchase their product and pay in a predetermined number of installments over time. These solutions are often offered to customers with little to no interest rates and hidden fees, meaning no additional cost to the customer.Buy now, pay later services are typically presented as an option in the payment flow, alongside credit cards and other payment methods. When customers make a one-time purchase, they simply select a buy now, pay later provider in the payment form, and are redirected to the provider's site or app to create an account or log in. Customers choose whether to accept the terms of the repayment plan-typically selecting bi-weekly or monthly installments-and complete the purchase.Once the purchase is complete, businesses receive the full payment up front (minus any fees). Customers pay their installments directly to the buy now, pay later provider, often with no interest and no additional fees when they pay on time.If you fail to pay the amount within the given repayment tenure, then the lender will be liable to charge you interest on your amount. Further delay could impact your credit score severely.
