Modern Forms of Consumer Lending in Retail Trade

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cris.sourceIdoai:journals.unwe.bg:article/233
dc.creatorPetkov, Bisseren
dc.date2023-03-30
dc.date.accessioned2026-09-24T23:10:30Z
dc.date.available2026-09-24T23:10:30Z
dc.descriptionConsumer lending is the main channel of interaction between the financial system and retail trade. The rapid development in recent years of the fintech industry on the one hand and of e-commerce on the other given birth to new forms of consumer lending that better meet the needs of modern digital consumers and bring additional benefits to merchants. The focus in the article is on consumer lending at the point-of-sale (POS), which is targeted and implies direct interaction between the lender and the merchant. Along with the analysis of the data on the development of the Bulgarian market of traditional forms of commodity lending (consumer loans for the purchase of goods on repayment), the article examines the comparative advantages and disadvantages of the business model, which is the basis of the relatively new and rapidly entering personal credit product known as „Buy Now Pay Later“.en
dc.formatapplication/pdf
dc.identifierhttps://rp.unwe.bg/index.php/rp/article/view/233
dc.identifier10.37075/RP.2023.1.03
dc.identifier.urihttps://ds.e-dnrs.org/handle/123456789/1038
dc.languagebg
dc.publisherAcademic Publishing UNWE (AP-UNWE)en
dc.relationhttps://rp.unwe.bg/index.php/rp/article/view/233/225
dc.rightsCopyright (c) 2023 Bisser Petkov (Author)en
dc.rightshttps://creativecommons.org/licenses/by/4.0en
dc.sourceResearch Papers of UNWE; No. 1 (2023); 35-45en
dc.subjectConsumer crediten
dc.subjectPOS lendingen
dc.subjectBuy now pay later (BNPL)en
dc.subjectA10 - Generalen
dc.subjectG51 - Household Saving, Borrowing, Debt, and Wealthen
dc.titleModern Forms of Consumer Lending in Retail Tradeen
dc.typePeer-reviewed Articleen

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