Fintech Finance

NOVEMBER 26, 2024

With the festive shopping season upon us, new research 1 from credit reference agency Equifax UK reveals the number of Brits using Buy Now, Pay Later (BNPL) could have peaked, but average spend continues to grow and will be key for many this Christmas. What could future regulation mean for consumers?

BNPL

The Payments Association

JUNE 16, 2025

The methodology combines quantitative analysis of operational metrics with qualitative assessment of strategic priorities. 23% of merchants offering BNPL see frequent usage, suggesting relatively high customer engagement compared to other emerging options.

Innovation

Stax

MARCH 11, 2025

There are six main payment methods used in online payments, including credit & debit cards, digital wallets, ACH & bank transfers, direct debit, Buy Now, Pay Later (BNPL) services, and cryptocurrencies. Popular BNPL service providers include Klarna, Afterpay, and ClearPay.

Online Payment Processing

Fintech Finance

JULY 11, 2025

The company’s comprehensive market assessment underscores the country’s promising growth prospects, fueled by a rising consumer appetite for innovative payment options that enhance purchasing power and financial convenience. Valu’s advanced BNPL platform is designed to revolutionize how Jordanians shop and pay.

Central Bank

The Fintech Times

JULY 1, 2025

With the CFPB in temporary retreat, lenders may have a window to rethink risk assessment and consider how a broader set of data inputs could help address inclusion gaps responsibly. The real cost of poor risk assessment isn’t a CFBP-levied fine. It’s a portfolio loss. That’s key in a market where consumer trust remains fragile.

Credit Risk

Stax

JANUARY 21, 2025

Also, check for Buy-Now Pay-Later (BNPL) support for customers who may like to have flexible payment options. Before committing to a payment gateway or requesting a quote, assess how much money you receive regularly. Check whether the payment gateway supports digital wallets like Apple Pay, Google Pay, and Cash App.

Payment Gateways

The Payments Association

MARCH 18, 2025

Open data, in turn, enriches these offerings, enabling innovative credit scoring and risk assessment beyond traditional banking channels. By combining payment flows with broader financial datasuch as rental history, savings patterns, and income variabilitylenders can offer dynamic, real-time credit assessments.

Finance

The Payments Association

JUNE 16, 2025

The survey also assessed familiarity with alternate terminology, finding that ‘Pay by Bank App’ was significantly better known than the broader term ‘open banking’ or when ‘App’ is omitted. The geographic region doesn’t make a significant difference, with awareness being consistent across the UK.

On-Demand

Fintech Finance

MARCH 13, 2025

Curve Flex, an instalment-linked revolving credit line, will now have transactions reported in real-time through Infact’s API-based system – uniquely suited to represent Credit Card and BNPL activity accurately.

Financial Inclusion

Finovate

MARCH 7, 2025

Neal: This is an interesting question, and one that will be clearer by the end of 2025, when we can fully assess the impact of Weros initial e-commerce launches. Online payment and checkout solutions provider Montonio expanded its partnership with Inbank to bring BNPL and Hire Purchase options to customers in Latvia and Lithuania.

Payments

Finextra

JULY 7, 2025

Upstart (2024) AI Application: Loan underwriting and risk assessment Experience Impacted: CX - Banking Customer Experience AI Loan Underwriting Platform: The fintech Upstart has pioneered AI-based lending, and by 2024 its platform was adopted by 500+ banks and credit unions for personal and auto loans.

AI

The Fintech Times

NOVEMBER 22, 2024

Retail credit includes credit offered by retailers or banks that enables consumers to purchase items and pay for them later through a store credit card, BNPL plans, or instalment payment options. These checks also often lack the granular, real-time insights into income and expenses that lenders need to assess customers fairly.

BNPL

The Payments Association

JULY 18, 2025

Next steps/action required: Conduct or update a fraud risk assessment, with documented outputs and regular review cycles. UK buy now pay later (BNPL) regulation The UK’s fast-growing BNPL sector is now firmly on the path to FCA regulation following the laying of the draft statutory instrument in May 2025.

Regulations

Finovate

JUNE 11, 2025

The company’s technology enables firms to build consumer, business, and secured credit cards; prepaid and debit cards; commercial cards and spend controls; multi-currency cards and wallets; virtual accounts and embedded wallets; installments, BNPL, lending features, and more.

Debit Card

The Fintech Times

MAY 2, 2025

The analysis assessed the payment options available at checkout for the top 50 non-food retailers and marketplaces across Europe. While the hype may have died down from what it was a few years ago, buy now pay later (BNPL) is still proving to be incredibly popular. This makes it the third most popular payment option overall.

Online and Mobile Banking

Finextra

JUNE 6, 2025

Services like Nomics and Messari now provide "Transparent Volume" metrics that assess the credibility of reported trading volumes. Verify trading volume legitimacy : Use tools like CoinGeckos "Trust Score" or CoinMarketCaps liquidity metrics to assess volume credibility.

Cryptocurrency

Finovate

JANUARY 24, 2025

Financial institutions will be required to assess “concentration risk” when outsourcing critical or significant operations to external vendors. Other areas that are likely to receive regulatory scrutiny in 2025 in the EU are crypto and Buy Now Pay Later (BNPL). BNPL, however, presents a different regulatory challenge.

Regulations

Payments Dive

JULY 14, 2025

In addition, the law caps late fees at 5% “of the outstanding installment payment, excluding any previously assessed late fees, or a total of twenty-five dollars per month, whichever is less.” It also limits the accrual of interest after the maturity date to 12% on a daily basis for the unpaid balance. Please select at least one newsletter.

Laws

Payments Dive

JULY 11, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from HUD studies BNPL housing risks U.S. Current FHA policies “largely exclude” BNPL loans from underwriting determinations, HUD said.

BNPL

Fintech News

SEPTEMBER 29, 2024

BNPL fraud in Southeast Asia is seeing a rapid rise with fraudsters exploiting weaknesses in these platforms and developing sophisticated methods to deceive users for financial gain. In these BNPL fraud schemes, borrowers in need of cash agree to use their BNPL credit to pay bills for lenders, expecting a cash transfer minus a small fee.

BNPL

The Fintech Times

DECEMBER 19, 2023

Buy now, pay later (BNPL) services have become significant in the realm of short-term unsecured consumer finance, often tied to specific products and offering instalment repayments, without accruing interest. The BNPL transaction involves three key players: the consumer, the merchant, and the BNPL service provider.

BNPL

Fintech News

DECEMBER 20, 2023

Buy now, pay later (BNPL) arrangements, a type of short-term financing that allows customers to make purchases and pay for them in monthly installments, are growing strongly around the world, picking up steam among both customers and merchants. million in 2023. million in 2023.

BNPL

Fintech News

APRIL 28, 2024

Abnk , Atome , Grab , and SeaMoney have been awarded the accredited Trustmark by the Singapore Fintech Association (SFA) and the Buy Now, Pay Later (BNPL) Working Group as of 19 April 2024. Introduced in October 2022, the BNPL Code of Conduct aims to mitigate risks of consumer over-indebtedness and ensure fair practices within the sector.

BNPL

Fintech News

APRIL 3, 2025

BNPL (Buy Now, Pay Later) burst onto the scene as a game-changer, transforming how consumers shop and pay over time. What started as a consumer-friendly alternative to traditional credit is becoming a more concrete financing solution in the digital payments ecosystem, particularly in emerging markets like BNPL regulation in Asia.

BNPL

Fintech News

SEPTEMBER 4, 2024

Buy Now, Pay Later (BNPL) in India has experienced a rapid increase in adoption, with its share of e-commerce sales in Asia-Pacific (APAC) surging from just 0.1% Similarly, Freecharge Pay Later is no longer available, according to its website, signaling further shifts in the BNPL landscape. in 2019 to an estimated 5.8%

BNPL

Fintech Finance

SEPTEMBER 24, 2024

Qist Bazaar , Pakistan’s leading Buy Now Pay Later (BNPL) fintech startup, announced today that it has secured US$3.2 The company has also introduced a hybrid scoring model that leverages both traditional and alternative methods to assess creditworthiness, making it easier for unbanked consumers to participate in the formal financial system.

BNPL

The Fintech Times

FEBRUARY 7, 2024

Now, The Fintech Times turns its attention to the perception of BNPL and, more specifically, the various myths surrounding the space and how providers are busting them. “One myth which has been busted in the past few years is that users of BNPL pose a high credit risk. “How do we reduce that risk?

BNPL

Tearsheet

JULY 1, 2024

Priore shares his observations on Gen Z’s adoption of newer payment methods like buy now, pay later (BNPL) for smaller purchases. BNPL and younger generations What trends are you seeing in terms of Gen Z’s preferences and adoption of solutions like buy now, pay later (BNPL) for smaller ticket purchases?

BNPL

Fintech News

JUNE 5, 2024

Australia will introduce new legislation to amend the Credit Act, requiring Buy Now, Pay Later (BNPL) providers to hold an Australian credit license and comply with existing credit laws regulated by the Australian Securities and Investments Commission (ASIC). billion to GDP.

Regulations

The Fintech Times

MARCH 9, 2024

Around 2020, buy now, pay later (BNPL) solutions exploded in popularity, as an increasing number of shoppers across the globe turned to online shopping during a pandemic that caused a significant amount of financial uncertainty. It might not just be uncertainty that is impacting BNPL’s success.

BNPL

Fintech Finance

SEPTEMBER 4, 2024

Unlike conventional BNPL services, AhaPay is designed as a sophisticated tool for money management and planned purchases. Harold Chen, CEO AhaPay Malaysia, emphasizes the ethical foundation of their service: “AhaPay is not just a BNPL service. ” “BNPL is a cornerstone for Fingular’s further growth.

BNPL

Fintech Finance

SEPTEMBER 10, 2024

Klarna gains immediate access to UATP’s vast base of airlines and travel agencies and is a preferred BNPL partner for EU and APAC. For UATP, integrating Klarna further strengthens the payment network’s support for BNPL options. Offering a variety of BNPL choices helps UATP merchants tap into a global BNPL market estimated at $14.55

BNPL

The Fintech Times

FEBRUARY 15, 2024

While buy now, pay later (BNPL) has enjoyed significant growth in recent years, an air of uncertainty remains around the space – whether that be due to a degree of untrust (seen by some as a debt trap ) or because of increased regulatory pressures being placed on the space. To find out more, we reached out to some industry experts.

BNPL

The Fintech Times

JANUARY 4, 2024

Buy Now Pay Later (BNPL) services’ popularity has continued to grow over the last year. BNPL is a form of unregulated short-term financing which have become increasingly popular, despite the financial risks. Several banks including NatWest , Virgin Money , HSBC and Monzo have also all launched BNPL products.

BNPL

The Fintech Times

APRIL 20, 2024

Another buy now pay later (BNPL) firm has decided to call it a day as Laybuy has put itself up for sale. There have been various reports about the struggles of BNPL firms as regulations tighten, so we reached out to the industry to uncover what is needed for firms to survive. Laybuy is not the first BNPL whose value has taken a dive.

BNPL

PYMNTS

DECEMBER 31, 2020

Examining their use of such payment methods — especially installment payment plans — could give retailers valuable insights as they assess the holiday shopping season and determine how to adjust their approaches moving forward. BNPL and the Channel-Agnostic Approach. Omnichannel Shopping and the Millennial Factor.

BNPL

The Fintech Times

JUNE 7, 2024

The ‘powered by Plend’ API simultaneously runs a fully automated KYC, fraud and credit assessment in under 10 seconds, enabling high-quality customer experiences, alongside higher acceptance rates. “How people use credit is changing rapidly; the jump in BNPL usage is an example of changing customer habits for point-of-sale financing.

BNPL