Proponents of BNPL schemes argue they offer consumers a lower-risk and lower-cost form of credit; others contend that it's the next debt or mis-selling time-bomb. One thing's for sure — this “alternative” payment method has undoubtedly entered the mainstream. Interviews with Alex Marsh, head of BNPL lender Klarna UK; Peter Tutton, head of policy at debt charity Stepchange; and Gemma Butler, author and co-host of the Can marketing save the planet? podcast.