Are buy now, pay later services truly a new way to boost financial inclusion, or just another type of predatory loan?
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Articles on consumer credit
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In different parts of the world, managing debt on a day-to-day basis is a real job, and one that is mainly taken on by women.
BNPL is now the second most common form of consumer credit used by young Australians - except technically it’s not credit.
Buy now, pay later is a booming business. But be warned before you invest in it – or use it as a customer.
Consumer spending fuelled by credit cards and bank loans has become central to economic growth, but it wasn’t always.
UK government put caps on payday loans five years ago, but they have not gone away – and will be in great demand in the months ahead.
Use of installment loans has grown dramatically in recent years – all without the regulatory scrutiny that tamped down on abuses in the payday loan market.
The data shows a tricky balancing act for policy makers. Interest rates will need to rise but too quickly could squash the recovery.
The government needs to learn from the mistakes in the US in sharing our credit history information to third parties.
Republicans are hoping to eliminate or at least defang the only federal agency tasked solely with protecting consumers from financial abuses. What would we miss if they succeed?
A European Union law will require human-understandable explanations for algorithms’ decisions. A team of researchers has found a way to provide that, even for complex calculations.
The number of Australians getting caught in a repetitive cycle of payday loans is growing, but in many cases they have little choice.
Peer-to-peer lending, the online platforms which allow you and I to lend directly to people and businesses who want to borrow, has been hailed as disruptive technology. Cheered by savers who have been…
Burdensomely high medical costs are often blamed for pushing many Americans into bankruptcy. According to the Consumer Financial Protection Bureau some 43 million Americans have unpaid medical debt on…
The US has been accused of inflicting their commercialised version of Halloween on us, and now we have the horror of the Black Friday “celebrations” in our calendar as well. In the US, this is the day…
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