BNPL

BNPL’s appeal isn’t just limited to financially vulnerable consumers

  • Although BNPL usage tends to be higher among the financially fragile or those who are credit-invisible, that isn’t always the case.
  • It is equally appealing to financially sound consumers because of their liking/preference for the repayment terms. Nearly one-fourth of financially comfortable consumers already use BNPL.
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BNPL’s appeal isn’t just limited to financially vulnerable consumers

 


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BNPL, Member Exclusive, Who owns the customer

Affirm’s full-stack ambition is bigger than consumer finance alone

  • Affirm began 2026 on the front foot.
  • The recent moves by the BNPL firm point to an overarching strategy: expanding from consumer checkouts into B2B distribution and institutional control.
Sara Khairi | March 05, 2026
BNPL, Creating win-win partnerships, Embedded Finance, Member Exclusive, SMB Finance

How embedded BNPL optimizes cash flow for SMBs: Inside the Intuit-Affirm partnership

  • The Intuit-Affirm partnership embeds BNPL directly in QuickBooks invoices, transforming accounting into a real-time decision layer.
  • In the new fintech partnership model, platforms manage workflows and customers while specialists handle the decision layer to drive scalable results.
Sara Khairi | February 26, 2026
BNPL, Payments

‘Zero of my profits will come from late fees’: Affirm’s Max Levchin on building trust in lending

  • In a recent fireside chat, Affirm's Max Levchin reflected on the early days of building Affirm, offering insights into the challenges of getting the company off the ground and shaping its installment products.
  • Levchin also spoke about the decisions behind Affirm's product structure and the personal experience of navigating a space that was still largely undefined early on.
10Q Editor | May 29, 2025
BNPL, Business of Fintech

B2C BNPL changed shopping – can international B2B BNPL players do the same for North American SMBs?

  • European firms are scaling globally, with a growing focus on the US B2B BNPL market. Among them, Two is gearing up for a North American launch this year.
  • Two’s product lineup remains largely the same across the markets it serves, but it aims to localize its product suite for North American customers upon launch. We explore how.
Sara Khairi | April 24, 2025
BNPL

BNPL is expanding its scope, and banks are finding their way into the narrative

  • BNPL set sail beyond its retail comfort zone this month, trading shopping carts for cruise decks and exploring new horizons.
  • As the BNPL market matures, major FIs like Citi and JPM are deepening their involvement, shaping market trends and shifting Wall Street’s perspective on alternative lending.
Sara Khairi | March 28, 2025
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