In compliance with European Union directives, the German Bundestag has mandated that providers of ‘Buy Now, Pay Later’ services must evaluate the creditworthiness of customers for online transactions. This regulation aims to safeguard young individuals, particularly those under thirty, who have reported difficulties managing outstanding debts associated with such payment methods. Opposition politicians have criticized the measures as insufficient, highlighting that approximately 5.7 million individuals in Germany are currently over-indebted, with a growing proportion being younger consumers.