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The buy now, pay later (BNPL) short-term credit model has quickly grown in popularity in recent years, attracting even the world’s largest technology company, Apple, to wade into the market.

Craig Newborn, CEO of PayJustNow, talks to Business Day about how his firm has differentiated itself in a market with increasing competition and thin margins. He also describes how the business has been funded and how the model fits into the local credit landscape. ..

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