Some of the most popular new applications are "buy now, pay later" plans that can lead to new debt and resulting debt problems.
A new partnership between leading food delivery company DoorDash and Klarna, a Swedish firm that specializes in financial technology applications, called "fintech," is a good example.
In this deal, Klarna will provide flexible options for consumers to pay for their DoorDash purchases, including putting off payments for meals until later in the month, say, around payday.
And there's the option to make installment payments by splitting purchases into four interest-free installments.
But the market president of Great Plains Bank, an FDIC insured institution, Janice Spooner says it's easy to forget that the flexible spending plan is actually just another way to "go into debt to have food delivered," as Breitbart put it.
She's concerned about people who "are really uneducated about the dangers of this product. If they know about and they know the risk and they've read the fine print and they've made the decision to use it, there's nothing to worry about."
But let the consumer beware.
"Most of the time, though, I don't think consumers are aware of the risk."
"Do you want to pay 70 bucks for a burrito?," she says.
But how can the use of a credit add-on to a delivery app cause credit problems in the long run?
"Late fees, NSF (non-sufficient funds in your account) fees and interest charges, that's how it happens.
"It's unnecessary debt and it can compound and grow exponentially," she adds.
It's the same old story about credit, though: Know what you're getting into before you get into it.
But an increasing number of people don't.