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.
close

Email a Friend

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

 


subscription wall for TS Pro

0 comments on “BNPL’s appeal isn’t just limited to financially vulnerable consumers”

BNPL, Business of Fintech, Member Exclusive

With BNPL mainstream, Klarna shifts its focus to better economics

  • Flexible payments have become table stakes at checkout. For BNPL providers, the next challenge is finding growth beyond the product itself.
  • Klarna's latest moves suggest the company wants to give customers a reason to return even when they aren't making a purchase.
Sara Khairi | July 16, 2026
AI Innovation, BNPL, Member Exclusive

Why BNPL infrastructure needs to learn a new acronym: KYA (Know Your Agent)

  • As AI agents take a larger role in commerce, BNPL providers may need to rethink whom or what they evaluate when approving transactions.
  • Zip Co's Rory Herriman believes a future payments ecosystem may need to prove that an agent had authority to act, but also that the action reasonably reflected the user's objectives.
Sara Khairi | July 02, 2026
BNPL, Building a platform, Embedded Finance, Member Exclusive

Affirm bets on banks, bots, and Shopify to reach $100 billion in GMV

  • Affirm has unveiled three major growth bets, embedding BNPL into bank apps via Affirm Edge, deepening its exclusive global Shopify partnership, and early positioning in AI-driven agentic commerce, all targeting $100 billion in annual GMV.
  • The thesis is that three years of compounding revenue growth give Affirm the credibility to pursue these longer-horizon plays, while its core merchant and card businesses carry the near-term load.
Rabab Ahsan | May 19, 2026
BNPL, Member Exclusive, Modern Marketing

How Zip turned the most pressing BNPL challenge into a brand advantage

  • Financial services brands usually treat trust as a given, building campaigns around authority, scale, or convenience. Zip’s latest campaign takes a different route: it makes ‘trust’ the story.
  • In a sector long clouded by skepticism and regulatory scrutiny, Zip is confronting one of fintech’s toughest questions by placing the BNPL trust debate at the heart of its brand.
Sara Khairi | March 12, 2026
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
More Articles