Many Retailers Offer Customers the Option to Pay in Instalments

Many retailers offer customers the option to pay in instalments. In so-called "buy now pay later" schemes, explain the asymmetry of information.

A) The retailer extends credit but lacks information about the customer's ability and willingness to pay the future instalments.
B) The retailer bears the risk that the customer will not pay.
C) The customer has better information about her ability and willingness to pay.
D) The customer can decide whether to pay.