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Buy now pay later is described as customers can pay for a product by instalments over the time period, instead of paying a full amount upfront. The advantage of pay later service is that customers do not worry about the interest on the purchase. However, if the loaner might get the charged fees if the repayment does not meet on time. The Australia’s providers has approximate 6.1 million users at mid-year 2019. This rapidly growth has led to many platforms and services supporting this technology such as After Pay and Zip Money. The pie chart has proven Afterpay is the leading company in ‘pay later’ market. After Afterpay asserted its number one position domestically, the company have raised AUD 800m capital in 2020 to expand into potential new international markets. One of the problems facing towards pay later market is the limitation of their spending. The customer does not like the idea the company control their spending. The new idea just coming up in order to prevent the limitation is building new payment process based on the customer credit card. When the customer can link up their account with our digital wallet, they can be able to use the wallet to purchase item online or instore.