Banks building their own Buy Now, Pay Later programs can avoid regulatory headaches by looking at the mistakes fintechs have made.
Consumers report strong credit performance but higher usage by financially vulnerable must be monitored closely as inflation and rates rise.
Research uncovers trends and unexpected insights about how Gen Z views peer-to-peer payments, Buy Now, Pay Later and cash.
The three major credit bureaus now collect BNPL data, which could alter the competitive balance between fintechs and banks and fuel growth.
Many banks are unsure about offering 'buy now, pay later', but one thing they should do now is educate consumers on using it responsibly.
New financial products' growth amid increasing economic turmoil means that banks must figure out how to relate or face creeping obsolescence.
Legacy financial institutions may be hesitant to recruit third party fintechs to build out their products, and improve the development process, but it's essential in order to outperform the competition, says Skeps CEO Tushar Srivastava.
Consumers see 'Buy Now, Pay Later' as a new way of buying, not borrowing. It is actual debt, but its impact on credit scores is unclear.
Square's pickup of Afterpay may accelerate consolidation in the BNPL market, providing a great opportunity for traditional institutions.
Wait, wasn't Gen Z supposed to be 'debt averse'? New research paints a more nuanced picture as new card accounts surge.
Facing intense competitive pressure, more and more financial institutions are jumping onto the BNPL bandwagon before it's too late.
Banks must balance pressure to grow consumer credit with the need to monitor payment performance as buy now, pay later trend boosts debt.
Software aside, your optimization strategy could be losing you money. But, with the right goals as your strategic foundation, your ROI will trend upward.
Buy now, pay later isn't merely a Covid-related trend. Consumers who adopted it during the pandemic say they are likely to continue using it.
An inside look at what makes 'buy now, pay later' so hot, from revenue streams to funding – from the perspective of market leader Sezzle.
BNPL firms are cropping up more and more, points out Amount's Adam Hughes. How does it affect traditional POS card volume or traditional debit and credit card offerings?
Alternative credit data is becoming a bigger part of how lenders make their decisions. Here's why it's a growing indicator.
Rising auto loan delinquencies are colliding with underwater loans when vehicles are repossessed. Covid's impact hasn't yet faded.
The meaning of 'normalization' and 'stabilization' in credit card lending depends on where you measure from.
The ability to use AI to leverage data in real-time is a top priority for banks looking to offer personalized user experiences.
Fintech suffered a near-death experience in the last two years. But the forces that drove its creation remain, and the survivors are stronger than ever.
For all its meteoric growth, fintech was beset by five critical weaknesses. The winners in the next round must overcome them all. Learn more in the second part of this three-part series.
While an 'Apple Bank' may never happen, the big tech's financial ambitions keep growing, as 12 million Apple Cards attest.
PSCU’s sixth annual Eye on Payments study reveals shifts in consumer payments preferences and behaviors.