

The BNPL company also charges the merchant much more than a credit card company does. Something like 6%. So they’re also making money on people who do pay in full at 0%.
The theory goes that the merchant is happy to pay the higher rate because it makes a sale happen that otherwise wouldn’t. Unfortunately that increased cost just gets added to the price everyone pays.




The RAM manufactures would normally consider increasing production in the face of increased demand, but they all know it’s a massive bubble so don’t want to, resulting in increased process until this all plays out.