Which company pioneered the modern Buy Now, Pay Later (BNPL) model that allows consumers to split payments into interest-free installments?

Buy Now, Pay Later (BNPL) services have transformed modern retail, offering consumers flexible payment options without traditional credit requirements. This disruptive fintech innovation has rapidly gained popularity among millennial and Gen Z shoppers, reshaping purchasing behavior and challenging traditional credit card models. Test your knowledge about this significant retail payment innovation that's changing how consumers shop both online and in-store.

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Afterpay
PayPal Credit
Klarna
Affirm