BNPL = a financial solution or a digital trap? ??????

 

The convenience of paying later, flexible installments, and quick approval has made BNPL increasingly popular in Indonesia. According to OJK, BNPL financing services grew by 71.13% year-on-year as of January 2026.

 

However, behind this convenience lies the risk of impulsive spending, accumulated debt, and potential impacts on users’ credit scores.

 

Take a look at this infographic to explore how BNPL works, its growth in Indonesia, and the risks that need to be considered ????

 

What do you think, does BNPL help consumers manage their finances better, or does it encourage unhealthy spending habits?