{"ok":true,"entity":{"id":"buy-now-pay-later","name":"Buy Now Pay Later","entityType":"concept","officialName":"Buy Now Pay Later","canonicalName":"Buy Now Pay Later","displayName":"Buy Now Pay Later","category":"決済モデル","shortDescription":"Buy Now Pay Later（BNPL）は、購入代金を4回以下の分割払いで支払う分割払い型ローンの一種で、最も一般的な『Pay-in-4』方式では無利息の4回払いを2週間ごとに行う。米CFPBによれば信用記録を持つ消費者の5分の1超が利用している。","primaryCluster":"fintech","parentEntity":null,"verificationStatus":"draft","website":null,"updatedAt":"2026-09-01T11:03:15.647Z","secondaryClusters":[],"alias":["BNPL","Pay-in-4"],"searchKeywords":["BNPL","後払い決済","Buy Now Pay Later","分割払い アプリ","Pay-in-4"]},"referenceIndex":["P-01-001","P-02-001","P-04-001","P-05-001","P-06-001"]}