Which company first introduced the "Buy Now, Pay Later" (BNPL) payment model that became widely adopted in e-commerce?

The financial technology sector has transformed how businesses and consumers handle transactions, creating more convenient, secure, and frictionless payment experiences. Behind these innovations are visionary companies that identified opportunities to disrupt traditional payment methods. Test your knowledge about a significant milestone in retail payment system evolution that changed how millions of people shop and pay.

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Affirm
Afterpay
Klarna
PayPal Credit (formerly Bill Me Later)