Which company pioneered the modern BNPL model in 2014 with its 'Pay in 4' installment option that has since been widely copied by competitors?

The e-commerce landscape has been transformed by innovative payment solutions that offer consumers flexibility in how they pay for purchases. 'Buy Now, Pay Later' (BNPL) services have exploded in popularity, changing consumer behavior and reshaping retail strategies. These platforms allow shoppers to make purchases and pay for them in installments, often without interest. How well do you know this rapidly growing segment of financial technology that's disrupting traditional retail payment methods?

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