Both offer One-Stop - with no third parties to approve / clear.
Pay Later joins the Wallet within their ecosystem. Pay Now, not so much as Consumers will need to be steeply incentivized to gag for the latest in iMob Trinket.
BNPL sector has experienced 270% growth YOY.
Why?
Uh... simple.... Depression.
Eventually the Pay Later... well it turns to Pay Tatter.
Marginal consumers will quickly discover all the mistakes they've ended up Bagging.
Can't pay?
Oh, they got you. Be the first in line to be "turned off"... yeah they'll be a lot of this in the future... "sorry, we've ended your experience... we'll add a 7.8% recharge fee..."
Flip phones, burners that never burn, and a whole host of third-world finance...