BNPL has become more mainstream, Klarna Affirm and other top providers are now integrated into the checkout of some of the main e-commerce platforms, with recent surveys indicating 14 to 30% of US consumers have used the method to make purchases in 2023 through 2025. Number expected to grow substantially yet even more as we head into this holiday season. Highest usage is among millennials and Gen Z, though also popular with financially vulnerable individuals across all demographics. Popular product categories in which BNPL is utilized to make purchases, electronics, apparel, and furniture with a significant 25% of users now using BNPL for groceries.

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