Choosing Afterpay at the checkout means users can shop for their goods today, receive them as normal but split the cost over four equal fortnightly payments. They pay no more than they would by handing over the cash immediately.  Talking Game Changers with Channel Seven's Edwina Bartholomew, Nick Molnar explains the business and budgeting sense behind the award-winning FinTech company he co-founded - and why the 'Shop now. Take now. Pay it in 4.' movement is all about responsible spending.