E faitau miliona tagata i Ausetalia e fa'aaogaina Kamupani e ofoina 'au'aunaga e faatau ai nei ae totogi mulimuli le tau o 'oloa.
Ua tele tausaga o faia nei pisinisi e aunoa ma ni aiaiga ma'oti e faamalosia mai le malo.
Peita'i ua faaalia e le malo tele i Ausetalia, o le a faavaeina se tulafono e avea ai nei Kamupani ma 'au'aunaga e puipuia i lalo o tulafono e pei ona puipuia ai credit cards.
O le tina matua ia Edi Spina e nofo i se fale o le malo (public housing) ma e faalagolago i le totogi mai lana penisione.
Ua 60 tausaga le matua o Edi Spina, ae ina ua feso'ota'i atu se tagata ma se ofo o 'oloa e faatau nei, ae totogi mulimuli, na ia manatu e le mafgai ona agava'a iai ona o le maualalo o lana tupe e maua mai lana penisisone.
"I got very excited and thought ooh this sounds like something maybe I can be part of. But then I thought maybe because I'm a low-income earner, maybe it won't be approved. And then magic - it just happened so quickly - I had an account, and I had a limit. And every time I'd pay something off the limit would increase."
Na amata o faigofie ma faafiafiaina ai Edi, ae mulimuli ane saisai uma e le kamupani a Afterpay lana penisione.
"So of course, it all got away with me to be honest. And that's what I was doing: shopping, shopping, shopping - which makes you feel good at the time. And then it all just came crashing down. Because I couldn't keep up the repayments I had to organise to not pay this and to do that. I had to rob Peter to pay Paul basically."
O itu'aiga faiga nei o loo taumafai le malo tele e taofia.
Na saunoa le sui teutupe, Stephen Jones, o le auala e taofia ai o le tu'uina lea o 'au'aunaga nei i lalo o le tulafono le National Consumer Credit Act.
"Well it'll mean that the responsible lending obligations that apply to every other credit product, will now apply to the buy now pat later sector. It means before someone is offered a buy now pay later product, they must go through suitability and affordability checks. Why are we doing this? well we want to ensure that while there is competition and while there is innovation, that the harmful effects of poor marketing practices and poor lending practices, don't impact particularly on vulnerable communities."
E 'ova i le 7 miliona tagatanu'u Ausetalia o loo iai tu'utu'uga ma maliega poo accounts ma kamupani faatu nei totogi mulimuli.
E le gata i le molimauina o le si'itaga i le aofa'i o tagata o loo fa'aaogaina nei 'au'aunaga, ae ua molimauina ai fo'i le si'itaga i le aofa'i o aitalafu a tagata i nei kamupani.I I se ripoti a le faalapotopotoga le Good Shepherd o le tausaga na te'a nei, na faaalia ai o le to'atele o tagata e mailei e kamupani nei, o tupulaga talavou, matua o loo tausi to'atasi fanau, ma le itupa o tina ma tama'ita'i.
Na faaalia e Professor Roslyn Russel le faatonu o suesuega a le Good Shepherd, o tagata aupito to'atele e pu'eina e le mailei a kamupani nei, o tina o loo sa'ili lafitaga mai aiga na sauaina ai.
"Women escaping family violence - who are already in the worst possible situation - were having to rely on buy now pay later in order to escape, in order to buy essentials to set up a new home, or some kind of accommodation that they would have to find themselves in. And by essentials, they were often leaving with the clothes on their back, and buy now pay later was often the only option for them because it is quick and also because there are no checks done on a person's ability to pay."
Na faaalia i le ripoti a le Good Shepherd, o le to'atele o tina (73%) na suesueina na ta'ua le le mafai ona faatauina mea e sili ona mana'omia mo le tausiga ona ua fao uma e kamupani nei a latou tupe maua.
Na saunoa Professor Russel ua ia talisapaia le fuafuaga a le malo tele, ae iai lona manatu i le tatau i le malo tele ona faamamafa atu tulafono e puipuia ai tagata mai le lavelavea i mailei a kamupani faatau nei totogi mulimuli.
"What we find with this unregulated product is that there were no hardship clauses, there were no hardship provisions provided by many of the buy now pay later providers. So therefore it was so distressing, and they just got themselves into further and further hardship. And then - you know, the rate of this increase has been exponential in what our financial counsellors have seen over the last couple of years."
O le kamupani faatau nei totogi mulimuli aupito tele i le atunu'u o le Afterpay lea o loo fa'aaogaina e le 3.6miliona tagata i Ausetalia.
O le masina na te'a nei, na tapunia ai le account a le tina ia Edi Spina mai le Afterpay.
"It was the best thing I ever did. It was like shutting the door on a monster on the other side. That's what it felt like."
Ripoti a Catriona Stirrat ma Claudia Farhart mo le SBS News (produced by Ioane Lafoa'i for SBS Samoan).
