Faced with a tight deadline, the team finally manage to deliver an episode of about the desired length! This week, Gwen, Neil and Sanj are looking at the explosion of new digital players in the 'Buy Now Pay Later' market, looking at the ethics of building features which can generate profit from the vulnerable, and asking whether employers are doing enough to encourage discussions about prudent financial behaviour. There's also discussion about loot boxes and other forms of gambling, during which Gwen gets mad at a fake casino. There's still enough time for all three hosts to pick scarily similar stories in News Bytes - if you're interested in overpaying for novelty tech, this week is the episode for you (apart from Sanj's story, which could get you arrested if you're a careless Australian). TIMESTAMPS: 00:00 Start   00:56 The Stand-Up   06:10 Social Engineering   09:54 This Week's Epic   25:13 News Bytes   34:12 The Wash Up LINKS MENTIONED THIS WEEK: YouTube: #LeadDev - Marco Rogers - Creating a career ladder for engineers YouTube: Postman - The Busy Developer's Guide to Testing (21st October livestream) CNBC: British fintechs are jumping into the booming buy now, pay later market Mastercard: Mastercard reinvents installments to give consumers more payment choices wherever they shop Money Saving Expert: First-ever financial education textbook lands in schools Polygon: EA calls its loot boxes "surprise mechanics", says they’re used ethically  Citizens Advice Bureau StepChange debt charity The Guardian: An0m - the inside story of the most daring surveillance sting in history Stack Overflow: No joke - you can buy our copy/paste keyboard right now Digital Undivided: supporting Black and Latinx women entrepreneurs The Independent: Amazon's new Astro robot is a "privacy nightmare" Twitter: @DimaKrotov - the stranded Roomba