免費穿新衣服?H&M可能會允許一個月後再付錢

The way people shop is changing, and it is affecting brick-and-mortar retail.
人們購物的方式正在改變，這也影響着實體零售業。

Just last month Topshop announced its plans to shutter allof its U.S. stores and Payless officially closed all of its doors at the end of June.
就在上月，Topshop宣佈，計劃關閉所有的美國門店。Payless在6月底就正式關閉了所有門店。

But H&M isn't going out without a fight.
但是H&M沒經過戰鬥是不會退出的。

The fast-fashion store recently announced a new loyalty program in hopes of capturing the attention of shoppers.
這家快時尚店最近宣佈了一項新的忠誠項目，希望能吸引消費者的注意力。

Next fall, H&M is going to start letting customers in the U.S. take home clothes — from online and in store — with an option to pay for them a month later.
下個秋天，H&M將允許美國的消費者把衣服帶回家--無論是網上購物還是在店裏--可以一個月後再付款。

It's kind of like a modern version of layaway, except in this case you can take your items home and wear them before paying off your balance.
這像是現代版的分期預付，只有一點不同，你可以在付清款項前，將商品帶回家穿戴。

"Shopping at H&M should be convenient, relevant and inspiring and we are hAPPy to soon offer fashion fans in selected markets a whole new way of paying their fashion finds," says Daniel Claesson, Head of Business Development at H&M Group, in a statement.
“H&M購物應該是方便的、有意義的、啓發性的。我們很高興很快就在特定市場上爲時尚粉提供一種全新的支付方式。”丹尼爾·克雷森，H&M集團的業務發展部領導，在一項聲明中說道。

"Klarna has helped us develop an H&M-unique payment solution that offers our fans a truly modern shopping experience no matter where and how they choose to shop."
“Klarna幫助我們研發出了H&M獨有的支付方式，爲我們的粉絲提供了現代化的購物體驗，無論他們選擇何時以何種方式購物。”

So how exactly does it work? H&M teamed up with fellow-Swedish financial company Klarna to make it all happen through the H&M app.
那麼這是如何運作的呢？H&M與瑞典金融公司Klarna合作，通過H&M的APP實現先提貨後付款。

Think of it as using a credit card. H&M will do a credit check when customers apply to use its pay later feature, which has already launched in H&M's home country of Sweden.
把這當做用信用卡吧。顧客申請使用之後付款的功能時，H&M將進行信用檢查。在H&M的母國瑞典，這項功能已經推出了。

There's a small fee for spreading payments out over several months, similar to paying interest. If customers pay their balance within 20 days, there's no fee at all. Would you try it?
推遲付款幾個月需要付一小筆費用，這跟付利息很相似。如果顧客在20天內付清款項，就不需要付額外費用。你想試試嗎？