
The “buy now, pay later” (BNPL) scheme has surged in popularity recently, inviting scrutiny on its impact on consumer financial health and debt accumulation. One recommendation by Chakrin Utit, a senior lecturer at Universiti Putra Malaysia, underscores the need to limit BNPL to high-value necessities. These items, often considered investments, include smartphones, personal computers, and home electrical appliances. This recommendation










