{"id":31,"date":"2023-01-04T03:52:18","date_gmt":"2023-01-04T11:52:18","guid":{"rendered":"https:\/\/aland26446437b3.wordpress.com\/2023\/01\/04\/goodbye-bnpl-in-2022-hello-bnpn-buy-now-pay-now-in-2023\/"},"modified":"2024-02-21T18:44:55","modified_gmt":"2024-02-21T18:44:55","slug":"goodbye-bnpl-in-2022-hello-bnpn-buy-now-pay-now-in-2023","status":"publish","type":"post","link":"https:\/\/tomocredit.com\/blog\/goodbye-bnpl-in-2022-hello-bnpn-buy-now-pay-now-in-2023\/","title":{"rendered":"Goodbye BNPL in 2022, Hello BNPN (Buy Now, Pay Now) in 2023!"},"content":{"rendered":"<figure><img decoding=\"async\" data-width=\"1080\" data-height=\"1080\" src=\"https:\/\/cdn-images-1.medium.com\/max\/800\/1*n0wHsKO0Kr5V-epUZr1Rzw.png\"><\/figure>\n<p>BNPL has taken consumers by storm in the last few years. But these apps, like Klarna, Afterpay, etc. should not be expecting the same results from spenders in 2023.<\/p>\n<p>Consumers this new year are much more diligent and smart with how they spend their money. With more tools and education on financial literacy and startups, like TomoCredit, placing the importance on smart spending, consumers are all ears (especially in this economy).<\/p>\n<p>Consumers are finally being hit with the high interest they spent on their electronic devices from last holiday. They are learning from their mistakes and to not \u201cbite on an easy hook.\u201d<\/p>\n<p>SF based startup, TomoCredit, announced that they\u2019ve seen a huge spike in applications in 2022 because of their no interest\/0 APR card feature. CEO and founder, Kristy Kim, explains that consumers are feeling the aftermath of easy spending with BNPL options, but don\u2019t understand the repercussions until they see interest fees charged to their account.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BNPL has taken consumers by storm in the last few years. But these apps, like Klarna, Afterpay, etc. should not be expecting the same results from spenders in 2023. Consumers this new year are much more diligent and smart with how they spend their money. With more tools and education on financial literacy and startups, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[28,40,45,74,75],"class_list":["post-31","post","type-post","status-publish","format-standard","hentry","category-tomocredit-consumer-value-report-california-credit-score-growth","tag-credit-card-tips","tag-finance","tag-financial-planning","tag-money","tag-money-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Goodbye BNPL in 2022, Hello BNPN (Buy Now, Pay Now) in 2023! - TomoCredit Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tomocredit.com\/blog\/goodbye-bnpl-in-2022-hello-bnpn-buy-now-pay-now-in-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Goodbye BNPL in 2022, Hello BNPN (Buy Now, Pay Now) in 2023! - TomoCredit Blog\" \/>\n<meta property=\"og:description\" content=\"BNPL has taken consumers by storm in the last few years. 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