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In recent years, there has been a widening of partnerships between banks and e-commerce platforms, allowing consumers to easily split their purchases into installments through offers that include low interest rates and flexible repayment periods, with some discounts reaching up to 20%. These collaborations enhance the shopping experience and support the growth of consumption and e-commerce. However, they may also lead to the accumulation of small installment payments and financial pressures if financial awareness is not exercised properly, as consumers might find themselves committed to multiple monthly obligations that impact their ability to save and handle emergencies.
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