Regardless of where you stand on the issue, it is a fact that national debt is increasing in all developed countries, and that this is mostly due to large social security and public pension programs (in some, healthcare as well plays a role) that cater to the so-called “baby boomers.” 

As Buy Now, Pay Later (BNPL) services continue to gain popularity, their impact on consumer behaviors and financial stability alike is becoming harder to ignore. While these services offer an easy way to spread out payments, they also introduce potential risks that could have far-reaching consequences.

The global commercial real estate (CRE) market, valued at $50.8 trillion (Savills), is facing unprecedented challenges, with rising delinquency rates and declining property valuations putting both small and large banks at risk.