Why do almost all apps offer 'buy now, pay later' facilities these days? What if the majority of people don't pay later?
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Indians today are not as loan averse as they used to be few decades back. Consumerism has settled into our culture and people don't mind taking debt for even small purchases.
In future things will only worsen but people who can manage their expenses need not worry about it.
I came across Multipl app wherein you can have SIPs for a goal like buying a phone or trip expenses. Brands like Flipkart, MMT, Reliance Digital, Nykaa, Croma also co-invest in the SIPs and their contri can be cashed out as gift cards.
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I was checking my credit card rewards and realised that HDFC gives 4 points for every Rs150 spent.
Now I have a decent amount of credit card expenses every month but the majority of my transactions are less than 150. I spend a lot buyi...
