They begin to look at customers. Companies from postponed payments burned?

Companies providing postponement services in the last 5 years have collected almost 13.5 million consumers from the National Debt Register; This year, over 4 million customers will be checked – according to the National Debt Register report (KRD).

The BNPL service (Buy Now, Pay Later – buy now, pay later) gives the customer the opportunity to buy a product right away, and paying for it later – once or in installments.

KRD, citing the Paypo report “Pole on shopping from BNPL” emphasized that consumers most often choosing this option, buying electronics – 55 percent, clothing and footwear – 47 percent. and home and garden products – 34 percent In addition, every 2. A person resigns from online stores that do not offer deferred payments.

The KRD publication emphasized that before the transaction, companies offering deferred payments are verified by customers in the National Debt Register. In this way they protect themselves against unreliable consumers and reduce business risk. If the consumer appears in the KRD as a debtor, he may have difficult access to this service.

“Even a deferred payment must finally be regulated. It is a loan form and should be treated with the same prudence as any other financial commitment. To reduce transactional risk, operators are charging economic information offices about customer payment reliability. In less than 5 years they took 13.5 million such reports from KRD. We estimate that by the end of this year they will beat over 4 million, “emphasized, the president of KRD Adam Łącki, quoted in the KRD.

The report shows that among consumers applying for deferred payment, which this year was checked in KRD payment service providers, women predominate-about 60 percent, mainly at the age of 26-35.

Most checked customers live in voivodships:

• Mazowiecki – 14 percent,
• Silesia – 13 percent,
• Dolnośląskie – 10 percent

The least in turn in:

• Podlasie, Świętokrzyskie and Opole – 2 percent,
• Lubuskie and Podkarpackie – 3 percent each

According to the Paypo report previously cited by KRD, almost 3/4 Poles declare their readiness to use new purchasing financing products, and 60 percent. He is willing to abandon traditional payment methods for innovative solutions. In addition, over 58 percent Consumers are actively looking and testing new forms of payment, often before their wide entry to the market.

The National Debt Register (KRD) is a database in which information about the debt of natural persons and companies is collected. (PAP)

Fos/ Mick/