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An anonymous reader quotes a report from The New York Times: Buy now, pay later" loans took off during the pandemic as a way for online shoppers to go on retail splurges without using a credit card. Now, lenders are offering the loans as a means for people to finance basic households needs. The lending apps Flex and Zip allow customers to take out loans to pay for their broadband, electricity, health insurance, mobile phone service, mortgage and water bills. Affirm, one of the most popular pay-later apps, has started providing some tenants loans to extend their monthly rent payment for a few weeks. Many dentists, veterinarians and medical clinics now often offer instant pay-later financing, and Intuit this year started promoting "File Now, Pay Later" loans to TurboTax users who owe money in their tax return. Pay-later loans are becoming the "working capital for the modern middle class," said Karen Webster, the chief executive of Pymnts, a news and market research company for the payments industry. "Consumers are using it more for essential, everyday things." Americans spent $160 billion last year through pay-later loans, according to research released recently by Federal Reserve economists -- nearly twice what consumers spent two years earlier, in 2023. That's still a fraction of the more than $3 trillion U.S. shoppers spend annually on consumer credit cards. But the industry continues to expand by double-digit rates each year. How much of that growth reflects consumer preferences, versus desperation, is a question economists and industry analysts are trying to unravel. The rise in pay-later financing comes as many households are leaning more on debt to keep up with their daily expenses. Paying interest -- to afford basic needs -- adds to the overall cost of living, which has already been rising amid higher medical, housing and fuel costs. For many borrowers, the loans have become their only option: Half of those using them said they could not make ends meet otherwise, according to the latest edition of a survey that LendingTree, a loan marketplace, has compiled for years.

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18 Aug 2026 3:30am GMT

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17 Aug 2026 11:28pm GMT

An anonymous reader quotes a report from Ars Technica: The Supreme Court today rejected Verizon's attempt to get a $47 million refund from the Federal Communications Commission. In a list of orders (PDF) issued by the court, Verizon's petition was denied without explanation. The denial apparently ends any possibility of Verizon asking a lower court to review the fine and order the FCC to issue a refund. However, AT&T and T-Mobile are continuing to challenge similar fines on grounds that selling device-location data did not violate US telecom law. AT&T, T-Mobile, and Verizon were fined a total of $196 million in 2024 for selling mobile users' real-time location data without their customers' consent. The carriers sold device-location information to data aggregators, who resold it to other firms. The carriers paid the fines and sought to have them overturned in courts, claiming their Seventh Amendment right to a jury trial was violated. Challenges by AT&T and Verizon were combined into a single case, and the Supreme Court ruled against the carriers in June of this year. The court ruled that the FCC penalty process does not violate the Seventh Amendment because the carriers could have obtained jury trials if they refused to pay the fines and waited for the government to try to collect. The ruling (PDF) against the carriers was 8-1, with Justice Clarence Thomas dissenting.

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17 Aug 2026 11:00pm GMT

TUXEDO is replacing Ubuntu's HWE-based kernel cadence with a continuously updated model built around Debian Testing.

17 Aug 2026 10:14pm GMT

Again, the CDC did not publish a full report and instead simply put the data online.

17 Aug 2026 10:08pm GMT

Apple Wallet's driver's license and state ID feature is set to expand to North Carolina, Oklahoma, Utah, and Virginia, bringing the total to 18 states plus Puerto Rico. The digital IDs can be used at participating TSA checkpoints and businesses without handing over or unlocking an iPhone, though users are still generally advised to carry a physical ID because acceptance remains limited. MacRumors reports: A few days ago, North Carolina's DMV announced that it plans to launch a mobile ID program later this year. As reported by WRAL, North Carolina residents will be able to set up a digital ID through a new NC Wallet app starting in December, with Apple Wallet, Google Wallet, and Samsung Wallet support to follow in "early 2027." As mentioned, you do not need to unlock, show, or hand over your device to present an Apple Wallet ID in person, ensuring user privacy. Apple Wallet IDs are generally not accepted by law enforcement, so carrying a physical ID is still legally required for traffic stops. In addition, the number of businesses that accept Apple Wallet IDs is still quite small. At least for now, Apple Wallet IDs are designed to be a convenient alternative where they are accepted. "Your mobile ID is a valid form of identification in North Carolina," the DMV said, in a FAQ on its website. "However, as retailers, restaurants and other businesses transition to mobile IDs, some may not be set up to accept them right away. For now, carrying your physical card gives you a backup when needed." According to code seen by MacRumors, Apple Wallet IDs are also coming to Oklahoma, Utah, and Virginia, but there is no timeframe for availability.

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17 Aug 2026 10:00pm GMT

"We're not necessarily building in a dogmatic fashion towards full autonomy."

17 Aug 2026 9:18pm GMT

Aura Glass gives the GNOME Desktop a polished glassmorphism makeover with dynamic blur, multiple color schemes, custom styling, and an interactive installer.

17 Aug 2026 9:07pm GMT

Here's what it was like watching a total solar eclipse 90 minutes north of Madrid.

17 Aug 2026 8:23pm GMT

Mozilla Firefox 154 strengthens local network privacy, adds a Manage AI shortcut, improves PDF handling, and expands web platform support.

17 Aug 2026 12:56pm GMT