National Bureau of Economic Research

Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns

Firms offering “buy now, pay later” (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer ...
rnz

End of an era for big brand paper dress patterns

It's the end of an era for DIY dressmakers, with the supplier of big brand paper patterns shutting down. An Australian distributer that supplies New Look, Simplicity, Vogue, Butterick and McCalls is ...
rnz

'End of an era' for sewing paper patterns in New Zealand?

Caption:Simplicity and McCall Pattern Service Australia has been responsible for supplying big-name paper pattern brands to retailers in New Zealand, including Simplicity, New Look, Vogue, Butterick ...
National Bureau of Economic Research

Shifting Work Patterns with Generative AI

We present evidence from a field experiment across 66 firms and 7,137 knowledge workers. Workers were randomly selected to access a generative AI tool integrated into applications they already used at ...