Andrei Jikh: một nhận định không rõ hướng

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Chỉ báo suy thoái theo mốc của NBER: Ngân hàng Dự trữ Liên bang St. Louis, qua FRED, số liệu công bố lần đầu. Vùng tô là khung thời gian được kiểm chứng; vùng xám là các giai đoạn suy thoái.

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this product is ultimately all about. If someone can afford to pay for something outright, they probably wouldn't be bothered to split something into four payments, especially if the thing they're buying is no more than a couple hundred, right? And data released from the Consumer Financial Protection Bureau in January of this year showed exactly the opposite of what they're saying. Users are typically not strong borrowers. In fact, 2/3 of the people using BNPL services had quote subprime or deep subprime credit scores. The next recession won't be coming from student loans or subprime mortgages. Now, we know the next recession will come from subprime cheeseburger loans. Buy now pay later can make products look a lot more affordable than they actually are. >> Right. It's the psychology of it all that makes it appear as though something is more affordable than it is. That's why Clara reported a 17% increase in credit losses from the year before. They said the losses were actually because they gave out a lot more loans in the first quarter of 2025. So of course they'd have more losses. But if we zoom out and we look at the big picture across the board, it looks pretty bad when you see that

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