“先买后付”需保障安全

Core Viewpoint - The "buy now, pay later" (BNPL) consumption model is rapidly gaining popularity, providing convenience to consumers but also increasing the risk of irrational spending and personal debt [1] Group 1: Industry Trends - The BNPL model has expanded to cover hundreds of convenient scenarios, indicating a significant shift in consumer payment preferences [1] - The ease of "frictionless" payments may lead to increased consumer debt and credit risks, highlighting the need for regulatory oversight [1] Group 2: Platform Responsibilities - Some platforms automatically enable BNPL services for qualifying users, which raises concerns about potential misuse and the difficulty of opting out [1] - There is a call for stricter regulations to ensure platforms take responsibility for risk management and compliance, reinforcing the need for effective enforcement [1]