If you were planning to make a major purchase in the next six months, which payment option would you be more likely to use?

Credit card85%

Buy now pay later (Affirm, Klarna, Afterpay)15%


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Less than 1%9%

1 - 3%49%

3 - 5%24%

5 - 7%7%

More than 7%11%


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CTO in Software, 201 - 500 employees
Without a doubt - Technical Debt! It's a ball and chain that creates an ever increasing drag on any organization, stifles innovation, and prevents transformation.
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Discretionary budgeting8%

Strategic budgeting72%

A combination of discretionary & strategic budgeting17%

Other (please explain in the comments)1%


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