Instant gratification among youth?

When does BNPL become a slippery slope?

Phantom debt: Ways  out

When you're $75,000 in debt

Social implications from BNPL

The 'buy now, pay later' (BNPL) scheme allows for purchase on zero interest instalment plans with less credit requirement.

Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.

In 2023, Singapore consumers spent $3.4 billion online and in-store using 'buy now, pay later' (BNPL) services from third-party providers like Atome and Grab PayLater, banks and retailers - without the need for minimum income as required by credit cards. 

And members of Gen Z, those between 18 and 24 years of age, and young millennials between 25 and 34, were among the bigger users of this method, according to the Worldpay’s 2024 Global Payments Report.

With BNPL strengthening the purchasing power of youths, are there worrying social and financial implications from this new payment method, despite seemingly having more purchasing power? 

To discuss more about this, ST assistant podcast editor Lynda Hong co-hosts with business correspondent Sue-Ann Tan to speak with their guests about the possible implications of the BNPL scheme on youths.

Once in financial trouble with a $75,000 debt, Khairul Abbas Hamzah is now heading a consultancy to help debtors who are in the same boat - that he managed to get out of. 

Also on the show is financial literacy expert Aaron Chwee, head of Wealth Advisory at OCBC Bank. 

Highlights (click/tap above):

3:03 Instant gratification impulse among younger generation?

10:55 When BNPL becomes a slippery slope; what types of financial habits BNPL inculcates

21:18 Phantom debt and the recourse to get out of debt troubles

26:24 Abbas’ $75,000 debt trouble 

32:14 Social implications from BNPL 


Read ST's Opinion section: https://str.sg/w7sH

Read Sue-Ann Tan’s articles: https://str.sg/KpUx

Hosts: Lynda Hong (lyndahong@sph.com.sg) and Sue-Ann Tan (suetan@sph.com.sg)

Produced and edited by: Amirul Karim

Executive producer: Ernest Luis

Follow In Your Opinion Podcast here and get notified for new episode drops:

Channel: https://str.sg/w7Qt

Apple Podcasts: https://str.sg/wukb

Spotify: https://str.sg/w7sV

Feedback to: podcast@sph.com.sg

---

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All-in-one ST Podcasts channel: https://str.sg/wvz7

ST Podcast website: http://str.sg/stpodcasts

ST Podcasts YouTube: https://str.sg/4Vwsa

---

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The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

#inyouropinion

The 'buy now, pay later' (BNPL) scheme allows for purchase on zero interest instalment plans with less credit requirement.
Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.
In 2023, Singapore consumers spent $3.4 billion online and in-store using 'buy now, pay later' (BNPL) services from third-party providers like Atome and Grab PayLater, banks and retailers - without the need for minimum income as required by credit cards. 
And members of Gen Z, those between 18 and 24 years of age, and young millennials between 25 and 34, were among the bigger users of this method, according to the Worldpay’s 2024 Global Payments Report.
With BNPL strengthening the purchasing power of youths, are there worrying social and financial implications from this new payment method, despite seemingly having more purchasing power? 
To discuss more about this, ST assistant podcast editor Lynda Hong co-hosts with business correspondent Sue-Ann Tan to speak with their guests about the possible implications of the BNPL scheme on youths.
Once in financial trouble with a $75,000 debt, Khairul Abbas Hamzah is now heading a consultancy to help debtors who are in the same boat - that he managed to get out of. 
Also on the show is financial literacy expert Aaron Chwee, head of Wealth Advisory at OCBC Bank. 
Highlights (click/tap above):
3:03 Instant gratification impulse among younger generation?
10:55 When BNPL becomes a slippery slope; what types of financial habits BNPL inculcates
21:18 Phantom debt and the recourse to get out of debt troubles
26:24 Abbas’ $75,000 debt trouble 
32:14 Social implications from BNPL  
Read ST's Opinion section:<a href="https://str.sg/w7sH"> https://str.sg/w7sH</a>
Read Sue-Ann Tan’s articles:<a href="https://str.sg/KpUx"> https://str.sg/KpUx</a> 
Hosts: Lynda Hong (<a href="mailto:lyndahong@sph.com.sg">lyndahong@sph.com.sg</a>) and Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>)
Produced and edited by: Amirul Karim
Executive producer: Ernest Luis
Follow In Your Opinion Podcast here and get notified for new episode drops:
Channel:<a href="https://str.sg/w7Qt"> https://str.sg/w7Qt</a>
Apple Podcasts:<a href="https://str.sg/wukb"> https://str.sg/wukb</a>
Spotify:<a href="https://str.sg/w7sV"> https://str.sg/w7sV</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
ST Podcast website:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
ST Podcasts YouTube:<a href="https://str.sg/4Vwsa"> https://str.sg/4Vwsa</a>
---
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The App Store:<a href="https://str.sg/icyB"> https://str.sg/icyB</a>
Google Play:<a href="https://str.sg/icyX"> https://str.sg/icyX</a>
---
#inyouropinion

Synopsis: Every second Wednesday of the month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.

Podcaster: Lynda Hong and ST journalists

Produced and edited by: Hadyu Rahim

Executive producers: Ernest Luis & Lynda Hong

A podcast by The Straits Times, SPH Media.

Synopsis: Every second Wednesday of the month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.
Podcaster: Lynda Hong and ST journalists
Produced and edited by: Hadyu Rahim
Executive producers: Ernest Luis &amp; Lynda Hong
A podcast by The Straits Times, SPH Media.

In Your Opinion

Synopsis: Almost every weekday, our ALL-IN-ONE channel showcases discussions on Singapore youth perspectives and social issues, geopolitics through an Asian lens, health, climate change, personal finance and career.

Follow our shows on your favourite audio apps Apple Podcasts, Spotify or even ST's app, which has a dedicated podcast player section.

Produced by podcast editor Ernest Luis & The Straits Times, SPH Media.

Synopsis: Almost every weekday, our ALL-IN-ONE channel showcases discussions on Singapore youth perspectives and social issues, geopolitics through an Asian lens, health, climate change, personal finance and career.
Follow our shows on your favourite audio apps Apple Podcasts, Spotify or even ST's app, which has a dedicated podcast player section.
Produced by podcast editor Ernest Luis &amp; The Straits Times, SPH Media.

The Straits Times Podcasts

BNPL: Buying power or financial trouble?

Memorable noise dispute Mr Poh helped mediate

Different forms of mediation

Difference between CMC and CDRT

Neighbour disputes still key over mediation

Simple neighbourly acts can avoid mediation

How Singapore intends to settle noise disputes more effectively.

Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.

Settling noise disputes will be easier with mandatory mediation as the Community Disputes Management Framework (CDMF) is enhanced, under the Community Disputes Resolution (Amendment) Bill. 

Involved with how the framework can be enhanced is grassroots leader Raymond Poh.

In this episode, Lynda Hong and co-host Christie Chiu speak with him to hear about his 14 years of experience in dealing with noise disputes, and how mediation has been effective in resolving disputes between neighbours (with an 80 per cent success rate with voluntary mediation cases).

Mr Poh also shares how the Community Advisory Panel’s (CAP) recommendations, along with the proposed CDMF enhancements, may help neighbours better understand one another and find middle ground. 

If the dispute remains unresolved after mediation with the Community Mediation Centre (CMC), neighbours may consider approaching the Community Disputes Resolution Tribunals (CDRT) to file a claim as a last resort. This is equivalent to taking legal action against your neighbour, and parties involved are required to attempt mediation before filing a CDRT claim.

The new laws will also mean that officers under the new Community Relations Unit (CRU) have powers to investigate and take action in disputes where a neighbour severely disrupts the peace, such as cases where the neighbour deliberately makes loud noise throughout the day.

Officers can investigate, such as taking statements from neighbours, and with the resident’s consent, install noise sensors in homes to collect evidence.

The authorities also intend to allow the Housing Board to consider compulsory acquisition of flats as a deterrent and “the absolute last resort for severe, recalcitrant nuisance-making”.

This measure will be considered only when all other levers have failed, and acquisition is needed to protect the interests of other residents, the Ministry of Culture, Community and Youth and the Ministry of Law and Ministry of National Development said in a joint statement in August, adding that this will be similar to how HDB can consider compulsory acquisition of flats for those convicted of throwing killer litter under the Penal Code.

This podcast is brought to you by the Ministry of Culture, Community and Youth (MCCY): https://www.mccy.gov.sg

Highlights (click/tap above):

1:25 CCTVs, house visits and detective work - a memorable dispute that Mr Poh had mediated 

7:38 Different forms of mediation

8:17 The difference between the Community Mediation Centre (CMC) and the Community Disputes Resolution Tribunals (CDRT)

11:37 Why settling neighbour disputes amicably is still a priority over mandatory mediation

12:40 How simple 'give and take' neighbourly acts can help avoid mediation as much as possible

More on the Community Disputes Management Framework: https://go.gov.sg/cdmf-enhancements

Read ST's Opinion section: https://str.sg/w7sH

Read Christie Chiu’s articles: https://str.sg/3ESxU

Hosts: Lynda Hong (lyndahong@sph.com.sg) and Christie Chiu (christiec@sph.com.sg)

Produced and edited by: Amirul Karim

Executive producer: Ernest Luis & Lynda Hong

Follow In Your Opinion Podcast here and get notified for new episode drops:

Channel: https://str.sg/w7Qt

Apple Podcasts: https://str.sg/wukb

Spotify: https://str.sg/w7sV

Feedback to: podcast@sph.com.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

ST Podcast website: http://str.sg/stpodcasts

ST Podcasts YouTube: https://str.sg/4Vwsa

---

Get The Straits Times' app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

#inyouropinion

How Singapore intends to settle noise disputes more effectively.
Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.
Settling noise disputes will be easier with mandatory mediation as the Community Disputes Management Framework (CDMF) is enhanced, under the Community Disputes Resolution (Amendment) Bill. 
Involved with how the framework can be enhanced is grassroots leader Raymond Poh.
In this episode, Lynda Hong and co-host Christie Chiu speak with him to hear about his 14 years of experience in dealing with noise disputes, and how mediation has been effective in resolving disputes between neighbours (with an 80 per cent success rate with voluntary mediation cases).
Mr Poh also shares how the Community Advisory Panel’s (CAP) recommendations, along with the proposed CDMF enhancements, may help neighbours better understand one another and find middle ground. 
If the dispute remains unresolved after mediation with the Community Mediation Centre (CMC), neighbours may consider approaching the Community Disputes Resolution Tribunals (CDRT) to file a claim as a last resort. This is equivalent to taking legal action against your neighbour, and parties involved are required to attempt mediation before filing a CDRT claim.
The new laws will also mean that officers under the new Community Relations Unit (CRU) have powers to investigate and take action in disputes where a neighbour severely disrupts the peace, such as cases where the neighbour deliberately makes loud noise throughout the day.
Officers can investigate, such as taking statements from neighbours, and with the resident’s consent, install noise sensors in homes to collect evidence.
The authorities also intend to allow the Housing Board to consider compulsory acquisition of flats as a deterrent and “the absolute last resort for severe, recalcitrant nuisance-making”.
This measure will be considered only when all other levers have failed, and acquisition is needed to protect the interests of other residents, the Ministry of Culture, Community and Youth and the Ministry of Law and Ministry of National Development said in a joint statement in August, adding that this will be similar to how HDB can consider compulsory acquisition of flats for those convicted of throwing killer litter under the Penal Code.
This podcast is brought to you by the Ministry of Culture, Community and Youth (MCCY): <a href="https://www.mccy.gov.sg/">https://www.mccy.gov.sg</a>
Highlights (click/tap above):
1:25 CCTVs, house visits and detective work - a memorable dispute that Mr Poh had mediated 
7:38 Different forms of mediation
8:17 The difference between the Community Mediation Centre (CMC) and the Community Disputes Resolution Tribunals (CDRT)
11:37 Why settling neighbour disputes amicably is still a priority over mandatory mediation
12:40 How simple 'give and take' neighbourly acts can help avoid mediation as much as possible
More on the Community Disputes Management Framework: <a href="https://go.gov.sg/cdmf-enhancements">https://go.gov.sg/cdmf-enhancements</a>
Read ST's Opinion section:<a href="https://str.sg/w7sH"> https://str.sg/w7sH</a>
Read Christie Chiu’s articles:<a href="https://str.sg/3ESxU"> https://str.sg/3ESxU</a>
Hosts: Lynda Hong (<a href="mailto:lyndahong@sph.com.sg">lyndahong@sph.com.sg</a>) and Christie Chiu (<a href="mailto:christiec@sph.com.sg">christiec@sph.com.sg</a>)
Produced and edited by: Amirul Karim
Executive producer: Ernest Luis &amp; Lynda Hong
Follow In Your Opinion Podcast here and get notified for new episode drops:
Channel:<a href="https://str.sg/w7Qt"> https://str.sg/w7Qt</a>
Apple Podcasts:<a href="https://str.sg/wukb"> https://str.sg/wukb</a>
Spotify:<a href="https://str.sg/w7sV"> https://str.sg/w7sV</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
ST Podcast website:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
ST Podcasts YouTube:<a href="https://str.sg/4Vwsa"> https://str.sg/4Vwsa</a>
---
Get The Straits Times' app, which has a dedicated podcast player section:
The App Store:<a href="https://str.sg/icyB"> https://str.sg/icyB</a>
Google Play:<a href="https://str.sg/icyX"> https://str.sg/icyX</a>
---
#inyouropinion

Mandatory mediation over noise - neighbourly relations are still key

Govt reconsiders job loss support

Behind the scenes on the scheme's gestation

Safeguards in place for the scheme and why?

Are the eligibility criteria too complex?

Will the scheme help workers at higher risk?

How does the scheme reflect 4G leadership?

The SkillsFuture JobSeeker Support aims to help the retrenched tide over financially, while between jobs, after tough talks with unions, employers and the Government. 

Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.

As the global economy changes more rapidly and unpredictably, workers may face more risk from job loss despite best efforts. 

Yet, going out of a job can pose a hit to household finances. In an era of rising cost of living, lower- and middle-income workers are more likely to jump on the first job offer without considering their aptitudes. 

To give these workers more time to find the ‘right’ job for them, the SkillsFuture Jobseeker Support scheme will be launched in April 2025, with financial support structured to spur an active job search without incentivising prolonged unemployment. 

The scheme, estimated to cost the Government $200 million every year, comes as a result of tough talks among employers, unions and the Government. 

In this episode, ST assistant podcast editor Lynda Hong and journalist Tay Hong Yi host Manpower minister Tan See Leng to learn how the scheme has taken shape behind the scenes.

Highlights (click/tap above):

5:38 On the Government relooking its position on financial support for those who have lost jobs

11:11 On the scheme’s gestation: What took place behind the scenes

17:51 What are the safeguards in place for the scheme and why?

21:48 Eligibility criteria: Too complex to understand for job seekers?

25:36 Will the scheme help workers at higher risk?

28:58 How does this scheme reflect the 4G leadership’s approach to policymaking?

Read ST's Opinion section: https://str.sg/w7sH

Read Tay Hong Yi’s articles:https://str.sg/dSAE

Hosts: Lynda Hong (lyndahong@sph.com.sg) and Tay Hong Yi (hytay@sph.com.sg)

Produced and edited by: Studio+65 and Hadyu Rahim

Executive producer: Ernest Luis

Follow In Your Opinion Podcast here and get notified for new episode drops:

Channel: https://str.sg/w7Qt

Apple Podcasts: https://str.sg/wukb

Spotify: https://str.sg/w7sV

Feedback to: podcast@sph.com.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

ST Podcast website: http://str.sg/stpodcasts

ST Podcasts YouTube: https://str.sg/4Vwsa

---

Get The Straits Times' app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

#inyouropinion

The SkillsFuture JobSeeker Support aims to help the retrenched tide over financially, while between jobs, after tough talks with unions, employers and the Government. 
Synopsis: Every month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.
As the global economy changes more rapidly and unpredictably, workers may face more risk from job loss despite best efforts. 
Yet, going out of a job can pose a hit to household finances. In an era of rising cost of living, lower- and middle-income workers are more likely to jump on the first job offer without considering their aptitudes. 
To give these workers more time to find the ‘right’ job for them, the SkillsFuture Jobseeker Support scheme will be launched in April 2025, with financial support structured to spur an active job search without incentivising prolonged unemployment. 
The scheme, estimated to cost the Government $200 million every year, comes as a result of tough talks among employers, unions and the Government. 
In this episode, ST assistant podcast editor Lynda Hong and journalist Tay Hong Yi host Manpower minister Tan See Leng to learn how the scheme has taken shape behind the scenes.
Highlights (click/tap above):
5:38 On the Government relooking its position on financial support for those who have lost jobs
11:11 On the scheme’s gestation: What took place behind the scenes
17:51 What are the safeguards in place for the scheme and why?
21:48 Eligibility criteria: Too complex to understand for job seekers?
25:36 Will the scheme help workers at higher risk?
28:58 How does this scheme reflect the 4G leadership’s approach to policymaking?
Read ST's Opinion section:<a href="https://str.sg/w7sH"> https://str.sg/w7sH</a>
Read Tay Hong Yi’s articles:<a href="https://str.sg/KpUx"> </a><a href="https://str.sg/dSAE">https://str.sg/dSAE</a>
Hosts: Lynda Hong (lyndahong@sph.com.sg) and Tay Hong Yi (hytay@sph.com.sg)
Produced and edited by: Studio+65 and Hadyu Rahim
Executive producer: Ernest Luis
Follow In Your Opinion Podcast here and get notified for new episode drops:
Channel:<a href="https://str.sg/w7Qt"> https://str.sg/w7Qt</a>
Apple Podcasts:<a href="https://str.sg/wukb"> https://str.sg/wukb</a>
Spotify:<a href="https://str.sg/w7sV"> https://str.sg/w7sV</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel:<a href="https://str.sg/wvz7"> https://str.sg/wvz7</a>
ST Podcast website:<a href="http://str.sg/stpodcasts"> http://str.sg/stpodcasts</a>
ST Podcasts YouTube:<a href="https://str.sg/4Vwsa"> https://str.sg/4Vwsa</a>
---
Get The Straits Times' app, which has a dedicated podcast player section:
The App Store:<a href="https://str.sg/icyB"> https://str.sg/icyB</a>
Google Play:<a href="https://str.sg/icyX"> https://str.sg/icyX</a>
---
#inyouropinion

Tan See Leng: How tough talks resulted in job seeker support

Why push unrealistic $2m HDB resale listings?

Effect on the market?

What should potential buyers do?

Can the $2m mark be delayed? How so?

How to spot unrealistically high HDB prices?

Two HDB resale flats had listing prices of $2 million in May, which were debunked by the authorities for being misleading and unrealistic.

Synopsis: Every second Monday of the month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.

The authorities sat up and paid attention when a jumbo flat in Sengkang was put up for sale with an asking price of $2 million in May. Then there was a listing for a DBSS flat in Toa Payoh asking for $2 million.

But with a record number of HDB transactions above $1million each - a phenomenon that started around 2012 -  is a HDB resale flat with a price tag of $2 million permanently unrealistic?

In this episode, ST assistant podcast editor Lynda Hong and business correspondent Sue-Ann Tan look at the percentages and context of HDB resale flats in the market with Nicholas Mak, who is now chief research officer of property search portal Mogul.sg.

He has over 25 years of experience in the Singapore and regional real estate markets.

Highlights (click/tap above):

1:35 Why did the agents push these $2 million HDB resale listings, which have been debunked by the authorities as unrealistic or misleading?

3:30 Avoiding ripple effects and creating the wrong impression among other sellers and buyers

9:54 What should potential buyers do?

12:05 Can the government divert demand away from the resale market and delay reaching a $2m mark there?

16:35 How do buyers discern if a HDB resale listing price is unrealistically high? 

Read ST's Opinion section: https://str.sg/w7sH

Read Sue-Ann Tan’s articles: https://str.sg/KpUx

Produced by: Lynda Hong (lyndahong@sph.com.sg), Sue-Ann Tan (suetan@sph.com.sg), Ernest Luis & Hadyu Rahim

Edited by: Hadyu Rahim 

Follow In Your Opinion Podcast here and get notified for new episode drops:

Channel: https://str.sg/w7Qt

Apple Podcasts: https://str.sg/wukb

Spotify: https://str.sg/w7sV

Feedback to: podcast@sph.com.sg

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

ST Podcast website: http://str.sg/stpodcasts

ST Podcasts YouTube: https://str.sg/4Vwsa

---

Get The Straits Times' app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

#inyouropinion

Two HDB resale flats had listing prices of $2 million in May, which were debunked by the authorities for being misleading and unrealistic.
Synopsis: Every second Monday of the month, The Straits Times takes a hard look at Singapore's social issues of the day with guests.
The authorities sat up and paid attention when a jumbo flat in Sengkang was put up for sale with an asking price of $2 million in May. Then there was a listing for a DBSS flat in Toa Payoh asking for $2 million.
But with a record number of HDB transactions above $1million each - a phenomenon that started around 2012 -  is a HDB resale flat with a price tag of $2 million permanently unrealistic?
In this episode, ST assistant podcast editor Lynda Hong and business correspondent Sue-Ann Tan look at the percentages and context of HDB resale flats in the market with Nicholas Mak, who is now chief research officer of property search portal Mogul.sg.
He has over 25 years of experience in the Singapore and regional real estate markets.
Highlights (click/tap above):
1:35 Why did the agents push these $2 million HDB resale listings, which have been debunked by the authorities as unrealistic or misleading?
3:30 Avoiding ripple effects and creating the wrong impression among other sellers and buyers
9:54 What should potential buyers do?
12:05 Can the government divert demand away from the resale market and delay reaching a $2m mark there?
16:35 How do buyers discern if a HDB resale listing price is unrealistically high? 
Read ST's Opinion section:<a href="https://str.sg/w7sH"> https://str.sg/w7sH</a>
Read Sue-Ann Tan’s articles: <a href="https://str.sg/KpUx">https://str.sg/KpUx</a> 
Produced by: Lynda Hong (<a href="mailto:lyndahong@sph.com.sg">lyndahong@sph.com.sg</a>), Sue-Ann Tan (<a href="mailto:suetan@sph.com.sg">suetan@sph.com.sg</a>), Ernest Luis &amp; Hadyu Rahim
Edited by: Hadyu Rahim 
Follow In Your Opinion Podcast here and get notified for new episode drops:
Channel:<a href="https://str.sg/w7Qt"> https://str.sg/w7Qt</a>
Apple Podcasts:<a href="https://str.sg/wukb"> https://str.sg/wukb</a>
Spotify:<a href="https://str.sg/w7sV"> https://str.sg/w7sV</a>
Feedback to: <a href="mailto:podcast@sph.com.sg">podcast@sph.com.sg</a>
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel: <a href="https://str.sg/wvz7">https://str.sg/wvz7</a>
ST Podcast website: <a href="http://str.sg/stpodcasts">http://str.sg/stpodcasts</a>
ST Podcasts YouTube: <a href="https://str.sg/4Vwsa">https://str.sg/4Vwsa</a>
---
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The App Store: <a href="https://str.sg/icyB">https://str.sg/icyB</a>
Google Play: <a href="https://str.sg/icyX">https://str.sg/icyX</a>
---
#inyouropinion

BNPL: Buying power or financial trouble?

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