> 1% of all purchases in 2021.

Percent of purchases seems like the wrong statistic. It is likely the case that most purchases are very small, people buying a single pack of cigs at a gas station and things like that. Furthermore, people with a lot of money likely make more purchases than people with little money. The percentage of the population making such everyday BNPL purchases is the interesting statistic, and I suspect it is higher than the % of all purchases.