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The Fine Print Era: Rethinking Retail Finance

Consumers don’t need fewer options, they need better information and independent guidance. BNPL uptake exploded during that vacuum. Its use rose sharply during the cost-of-living crisis, especially among younger people and families managing everyday essentials. Recent figures suggest one in eight UK adults has used BNPL in the past year, often for groceries, school shoes, or household bills.

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