please answer the question within 30 minutes. make sure the answer and reasons are explained in very detailed manner with reasons. answer should not be copied from somewhere else i will give negative ratings for sure. make sure the answer is very detailed.

choose a company that sells products via social media channels (social commerce) and relate your answers to the question below. . The new revenue model Buy-Now-Pay-Later (BN PL) becoming popular among online shopping platforms because they let customers split payments without paying interest. In 2021 alone, an increase of 22% of this service. Give three (3) effective reasons of this revenue model has become a competitive advantage and explain one (1) reason (why) customers are choosing this revenue model