Sai sai no ces tej zaum yuav siv tau cov buy now pay later services nyuaj zog ntawm Australia no lawm

Tsoom fwv tau coj ib tsab cai tshiab los sab laj thiab xav xyuas kom tau txais kev pov puag zoo tshaj qub ntxiv rau tej neeg siv cov buy now pay later, vim nws cav tias tej cai muaj siv tam sim no yeej tseem tsis tau muaj peev xwm tswj tau tej lagluam no zoo txaus.

The government says current laws mean buy now, pay later lenders like Zip, Klarna and Afterpay do not have to complete affordability checks. Source: AAP, Getty

Tsab cai uas tseem coj los sab laj thiab xav thov tsim ua cai siv no yuav kom cov lagluam 'buy now, pay later' (BNPL) services yuav tsum txheeb tej neeg tshiab tej keeb kwm siv nyiaj yog tias xav siv tej services no.

Me ntsis xov xwm txog tej services no: Stephen Jones uas yog tus nom ua hauj lwm pab tus nom tswj nyiaj txiaj rau tsoom fwv teb chaws tau coj los sab laj rau hnub zwj Feej (Wednesday) dhau los uas muaj lub hom phiaj yuav los ua tib zoo xyuas kom pov pug tau tej neeg uas yuav siv tej services no kom zoo tshaj qub ntxiv.

Tsoom fwv tau qhia tias tej cai muaj siv tam sim no txhais tau tias tej lagluam BNPL uas qev tej credit rau tej neeg yuav khoom siv mam them tom qab yeej tsis txheeb tias tej neeg siv tej services no puas muaj peev xwm them tau rov qab, tib yam li tej credit cards thiab lwm hom kev qev nyiaj txheeb li.

Sob lus tseem ceeb uas tau hais: Jones tau hais tias "Peb lub tswv yim uas xav los tswj cov BNPL no kom zoo tshaj qub ntxiv yog los ua tib zoo xyuas kom siv tau tej txiaj ntsim ntawm cov kev siv tej credit uas qev tsawg tsawg coj los siv thiab daws tej teeb meem uas yuav muaj tau rau tej neeg siv tej services no.''

Peb paub dab tsi ntxiv: Xyoo 2022 ces tau muaj lub koom haum Good Shepherd uas tsim kev pab cuam rau tej poj niam thiab tej me nyuam yaus tau muaj ib cov kev teeb txheeb ces kuj txheeb tau tais 73 feem puas ntawm nws tej koom haum yeej txheeb tau tias tej neeg uas siv nws cov kev pab cuam uas siv cov BNPL no yeej tsis muaj peev xwm them tau tej nqe siv cov services no rov qab, thiab yuav tau siv nyiaj ua lwm yam kom tsawg zog los sis yuav tau ua ib siab tsis yuav tej khoom siv uas tsim nyog yuav siv ntawd kom thiaj muaj peev xwm them tau tej nuj nqe BNPL.

Cov kev teeb txheeb no kuj tseem txheeb tau ntxiv thiab tias 84 feem pua ntawm tej neeg uas siv cov BNPL services uas muaj tej nuj nqe no tseem rov qab qhib ntau phau BNPL accounts ntxiv kom thiaj muaj peev xwm tswj lawv tej nuj nqe no thiab.

Nyeem ntxiv:Brooke ntsib teeb meem nyuaj rau cov kev nqa khoom siv ua ntej mam them tom qab (buy now, pay later-BNPL). Tab sis cov kev los tswj tej services no kom nruj tuaj ntxiv puas yuav muaj peev xwm pov puag tej neeg siv tej services no?

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