Buy now, pay later (BNPL) is likely the easiest borrowing experience most consumers will ever have. With an option at checkout to split your purchase into a down payment and subsequent installment payments every two weeks or so, you get the merch and an easy-pay plan all at once. It's a pitch that consumers are embracing. Adobe for Business reports that more than $10 billion in holiday purchases will be made with BNPL, up 9% from last year. Half of holiday shoppers said they'll use BNPL this year, accord ...