人们购物的方式正在改变，这也影响着实体零售业。
The way people shop is changing, and it is affecting brick-and-mortar retail.
就在上月，Topshop宣布，计划关闭所有的美国门店。Payless在6月底就正式关闭了所有门店。
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.
但是H&M没经过战斗是不会退出的。
But H&M isn't going out without a fight.
这家快时尚店最近宣布了一项新的忠诚项目，希望能吸引消费者的注意力。
The fast-fashion store recently announced a new loyalty program in hopes of capturing the attention of shoppers.
下个秋天，H&M将允许美国的消费者把衣服带回家--无论是网上购物还是在店里--可以一个月后再付款。
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.
这像是现代版的分期预付，只有一点不同，你可以在付清款项前，将商品带回家穿戴。
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.
“H&M购物应该是方便的、有意义的、启发性的。我们很高兴很快就在特定市场上为时尚粉提供一种全新的支付方式。”丹尼尔·克雷森，H&M集团的业务发展部领导，在一项声明中说道。
"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.
“Klarna帮助我们研发出了H&M独有的支付方式，为我们的粉丝提供了现代化的购物体验，无论他们选择何时以何种方式购物。”
"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."
那么这是如何运作的呢？H&M与瑞典金融公司Klarna合作，通过H&M的APP实现先提货后付款。
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.
把这当做用信用卡吧。顾客申请使用之后付款的功能时，H&M将进行信用检查。在H&M的母国瑞典，这项功能已经推出了。
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.
推迟付款几个月需要付一小笔费用，这跟付利息很相似。如果顾客在20天内付清款项，就不需要付额外费用。你想试试吗？
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?