The translation of the given text from 'Bahasa' to 'English' while preserving any HTML tags is as follows: "The way has shifted, now operators offer installment packages without interest. Such flexibility allows buyers to pay the total price of the mobile phone upfront or divide the cost into several payments."

The difference in payment methods shows that the combination of higher iPhone prices and higher additional exchange rates encourages more iPhone buyers to make purchases with installments.

The operator has utilized a higher trade-in value. By offering attractive trade-in promotions, they then encourage buyers to upgrade their mobile phones and in the process, commit to a new installment payment agreement.

As believed by CIRP, higher prices and higher exchange rates are likely to encourage iPhone buyers to make installment purchases and cause slower growth.