At least on Windows it's just on their browser[1], but here, it looks like it's the whole OS.<p>On the topic of phones and loans, I remember reading the reason people line up for blocks for new phones: there are a lot of people who have bad credit and can't get normal loans, but they can usually pay for the phones in installments, so they buy these phones on day 1, flip them easily and quickly (and maybe even with profit) and in effect they've gained a loan...<p>[1] <a href="https://techcommunity.microsoft.com/t5/articles/introducing-buy-now-pay-later-in-microsoft-edge/m-p/2967030" rel="nofollow">https://techcommunity.microsoft.com/t5/articles/introducing-...</a>