2023年5月10日

根据信用局Centrix的最新数据显示,在新西兰,现在购买的10.5%,支付后(BNPL)错过了2023年3月还款账户。但Centrix正在努力解决这一问题通过一项新的倡议,PayWatch,并正在与几个BNPL提供者,包括Afterpay、Zip和Laybuy。计划包括一个信用报告系统,通知BNPL提供者如果顾客拖欠还款。之间的数据共享供应商将会给出一个更准确的对消费者的负债状况和减少的人数进一步陷入债务。尽管目前的综合信用报告(CCR)制度类似FICO分数在美国支持传统信贷产品和每月的付款周期,PayWatch捕捉BNPL还款性能在日常生活。它为BNPL提供商提供了更准确的对某人的信用风险,使他们能够更好地管理任何潜在问题并标记客户按期付款。近年来,BNPL计划在全球范围内获得了巨大的人气,允许客户通过无息分期付款购买商品和服务。然而,使用这些服务的人数猛增,所以有影响消费者的金融健康的担忧。PayWatch计划解决这些问题,是一个积极的一步,因为它促进负责任的贷款和有助于保护脆弱的消费者。 “We’re glad to see these providers taking steps at responsible lending practices,” said Ben Danner, Senior Analyst of Credit and Commercial at Javelin Strategy & Research. “Managing risk is one of the important parts of credit lending and BNPL providers will need to continue to take risk aversion seriously if they want to remain in business for the long term.” Looking ahead, we’ll likelyl see more initiatives aimed at promoting responsible lending and improving consumer protection in the BNPL sector. As consumers become more aware of the potential risks of using BNPL services, there will be a growing demand for transparency, accountability, and regulation within the sector. It’s also important that BNPL providers work together with regulators, credit bureaus, and other stakeholders to ensure that their services are used responsibly and don’t leave consumers worse off.