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90% of young people had financial troubles in 2022, and 27% used 'buy now, pay later' services

Written by Lucas Walsh, Professor and Director of the Centre for Youth Policy and Education Practice, Monash University

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Buy Now, Pay Later (BNPL) services have dramatically changed the landscape of personal lending, largely by being easy to access and not charging interest – thus avoiding national credit laws.

In the 2021-22 financial year, according to data from the Reserve Bank of Australia, the number of active BNPL accounts in Australia rose...

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