Julia Ostian
Equity analyst quoted in the episode who comments on consumer behavior and Buy Now, Pay Later companies, providing investment views comparing Affirm and Klarna.
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Feb 13, 2026 • 9min
Buy now, pay later: A split decision
Julia Ostian, an equity analyst who covers consumer finance, weighs in on Buy Now, Pay Later trends. She discusses who uses BNPL and the rising late-payment risk among younger shoppers. She compares Affirm and Klarna from an investment angle. Short, clear takes on how BNPL works, merchant economics, and the danger of repeat use.
