Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
Source: Adobe Analytics.
Don’t forget that a lot of them do bank on the fact that people don’t pay back on time and then the over-the-top interest rates hit them.
So the less financially savvy or intelligent, Or just the unlucky. Are subsidizing the deals for the rest of us.
But while they’re in these early phases, if you can take advantage of them, do s*** sucks enough. Might as well get something out of it.