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If you’ve made a purchase online recently, you’ve probably encountered the option to “Buy Now, Pay Later”. In the last few years, dozens of tech startups have sprouted up and have been successful in convincing merchants to offer their service to consumers.

With a market already estimated to be in excess of $100B, the industry is growing quickly and now bigger players such as PayPal and Apple are jumping on the bandwagon. But how do these services really work, are they safe, and how do they differ from just using your credit card? To help answer these questions, we’re joined by Siddharth Venkataramakrishnan, the Financial Times' banking and fintech correspondent.

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