Of late, there are more consumers buying stuff online, especially young shoppers. However, not all may want to pay the entire cost of the purchase up front. They might prefer to take the convenient ‘buy now and pay later’ option rather than using a credit card. As per a survey by Cardify, a data firm that tracks consumer spending, almost half the customers claim that they spend between 10 per cent and 40 per cent when they use this option. This option attracts those who want to purchase “want” items that they may not be able to purchase otherwise.