SHOPEE Paylater or SPaylater means having the ability to invest. At least, according to Arif Hidayah, owner of the Kilas Imaji photo studio in Cibiru, Bandung City. Arif has often made use of the e-commerce platform’s paylater or credit service to purchase photo equipment for the studio that he has worked on since 2017. Last year, for example, the 34-year-old man owed over ten million rupiah to the SPaylater platform, when he purchased a la