<prompt> Human: So Afterpay has seemingly taken over Australia - for those who dont know what it is, it works like a reverse layby. Rather than make a series of payments before getting your purchase, you pay for it after in 4 installments over 8 weeks. Most retailers offering it a womens fashion etc. It promises no interest just late fees etc and flexibility. It has had an IPO and sets its sights on the USA as the holy grail, believing is a gold mine of consumer spending ya think?!. Anyway if it works the way it has in Australia, there are going to be a lot of retailers offering it. For anyone wanting to know what is is and how it works, check out this afterpay guide as well as this quite brilliant afterpay review from a New Zealand journalist.  <response>: This isnt really any different then a store credit card. Times are a little shorter. 