Buy Now, Pay Later has become one of the fastest-growing ways to shop, especially among young Singaporeans. For some, it's a flexible way to spread out payments and manage cash flow. For others, it's making impulse spending easier than ever.

On The Agenda, Hongbin Jeong speaks with Ben Charoenwong, Associate Professor of Finance at INSEAD and an affiliated faculty member with the Asian Institute of Digital Finance and the NUS FinTech Lab, to explore how BNPL is changing the way young people think about money, budgeting and debt.

Is it encouraging financial irresponsibility, or is it simply a modern payment tool that's being unfairly blamed? They examine the benefits, the risks, and whether the real issue lies with the platforms or with our spending habits.