Buy Now Pay Later apps like Klarna and Afterpay have become ubiquitous since the pandemic, allowing users to pay for items in small installments over time instead of footing the bill all at once. But now, some financial experts are sounding the alarm that these easy-to-use apps can lead to financial trouble later on - and that the growing industry needs more regulation. To answer your questions about these apps, Just Asking was joined by two experts. Elizabeth Mulholland is the CEO of Prosper Canada, a national charity dedicated to expanding economic opportunity for Canadians living in poverty. Omar Fares is an Assistant Professor of Marketing at the faculty of business at the University of New Brunswick.