关于美国经济的一点小观察 doordash推出分期付款

对于那些不了解美国的葱友 doordash等于你国的美团/饿了么
这次doordash推出了分期付款的业务 也就是 点外卖还能分期付款
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https://www.cbsnews.com/news/klarna-doordash-payments/

DoorDash and fintech company Klarna are joining forces to offer customers of the food delivery app the option of buying now and paying later.

DoorDash customers will have the option either to pay in full, to pay in four equal installments or to postpone payment to "a more convenient time, such as a date that aligns with their paycheck," DoorDash said Thursday in a news release.

Deferring payments as a service for food purchases is increasingly widespread, and already offered by DoorDash rival Grubhub, as well as Walmart shoppers and those who bank at J.P. Morgan Chase.

The buy now, pay later (BNPL) service, to be launched in the coming months according to the announcement, comes amid an economic climate that has more Americans reluctant to apply for credit card, mortgage and car loans, data published on Monday by the New York Federal Reserve shows.

Discouraged borrowers — those who reported needing credit but not applying for fear of being denied — reached 8.5% in February, the highest since the Fed began its tracking in 2013.

DoorDash 和金融科技公司 Klarna 联手为食品配送应用的客户提供先买后付的选项。

DoorDash 周四在一份新闻稿中表示，DoorDash 客户可以选择全额付款、分四期付款或将付款推迟到“更方便的时间，例如与他们的薪水一致的日期”。

食品购买的延期付款服务越来越普遍，DoorDash 的竞争对手 Grubhub、沃尔玛购物者和摩根大通银行的客户都已经提供这种服务。

根据公告，先买后付 (BNPL) 服务将在未来几个月推出，而纽约联邦储备银行周一公布的数据显示，在经济环境下，越来越多的美国人不愿意申请信用卡、抵押贷款和汽车贷款。

灰心丧气的借款人（那些表示需要信贷但因害怕被拒绝而没有提出申请的人）在 2 月份达到 8.5%，这是自 2013 年美联储开始跟踪以来的最高水平。

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比如你国拼多多反超淘宝就是一个经济下滑的信号
至于美国 本身餐饮业就比较怪 这几年
快餐几乎要等同于餐馆的价钱了 虽然快餐主打的是便宜与上菜速度

这里讨论的还是美国经济 当消费者在吃饭都要选择分期付款的时候 是不是一个非常危险的信号？
虽然这里无法确定是doordash看到了这种潜在市场 还是纯粹是MBA在那边整活
但是这种信号让我觉得有点不安
过度建立在预期/借贷的市场 非常容易出现经济海啸