Klarna

Adobe's latest forecast shows consumers are expected to spend a record $18.5 billion through buy now, pay later financing this year. That’s up more than 11% year over year.

Adobe Analytics projects that buy now, pay later loans could drive as much as $84 billion in spending in 2024. But the debt shoppers are racking up is basically hidden from credit bureaus, lenders and economists.

Subscription offers are everywhere these days. But can they work when paying later is the whole point?

Millennials are opting for plans that allow them to spread payments without accruing debt or interest.