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The global pandemic has hastened the long-term change in consumer behavior toward e-commerce platforms. While the first growth in online shopping was driven by need, with social distancing and shielding necessities preventing people from shopping in stores, it's reasonable to conclude that the trend of online shopping isn't going away. Consumers have not only become more comfortable with internet purchasing, but they have also become more knowledgeable about it. People invest most of their time shopping online, from clothes to buying electronic gadgets online . As a result, consumers have not only become more comfortable with internet purchasing, but they have also become more knowledgeable about it. Online payment solutions have become more crucial than ever as more consumers utilize e-commerce as part of their buying habits. The shop now, pay later app has provided a reliable source that allows customers to pay for goods and services in installments over time...