As we cap off an eventful year, many are buying their Christmas gifts more last-minute than usual as they await their final pay periods before the holidays.

Shop online and there's a very good chance that you'll see an offer to "Buy Now Pay Later." And this convenient payment option isn't just reserved for that new phone or pair of shoes - it can also give users greater control over their bill

With traditional credit card usage trending downward, the world is looking to Buy Now, Pay Later (BNPL) service providers to fill the void of credit spending.

As Christmas fast approaches, and many Australians are still relying on JobSeeker payments, Fortunately, the Buy Now Pay Later industry has emerged as a possible saviour for shoppers.