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Eye on BNPL: Affirm’s Underwriting Open Banking Reliance; Klarna Delves into P2P Payments
With more than 100 million U.S. consumers expected to choose a buy now, pay later payment option by 2027, according to eMarketer Inc., BNPL providers are preparing better underwriting and new services as the payment option is further cemented in the U.S. payments economy. Affirm Holdings Inc. says its underwriting …
Read More »UnionPay Courts Tourist Cardholders in China; The BNPL Bottleneck; Canadian Holiday Spending up 4.4%
COMMENTARY: BNPL’s Real Bottleneck Isn’t Scoring. It’s Architecture
FICO’s latest scoring models now factor in buy now, pay later repayment data, a milestone many hoped would bring these plans into the mainstream credit system, giving lenders more visibility into consumers’ total debt and payment behavior. However, despite billions flowing through installment-payment platforms, lenders still can’t see the full credit picture. …
Read More »Klarna’s BNPL Take on Non-Card Rewards; Nayax’s $26 Million Acquisition; RTP Tops $1.3 Trillion
SMBs Turn to BNPL To Avoid Card Surcharges; Eye on Hospitality; Block Notes 10% BFCM Uptick
Small Businesses Are Turning to BNPL to Avoid Paying Credit Card Surcharges, J.D. Power Finds
While credit cards are the most common way small businesses pay for a purchase, a growing number are embracing buy now, pay later loans as a payment option. At the same time, many small businesses are opting not to pay by card in order to avoid a surcharge, finds J.D. …
Read More »BNPL Giant Klarna Joins the Stablecoin Trend
PayPal’s BNPL Crosses into Canada While Venmo Debuts Rewards
It’s a busy day for PayPal Holdings Inc. and its payments services. Five years after launching PayPal Pay in 4 in the United States, PayPal now offers the buy now, pay later product in Canada. PayPal also said Venmo, its social-based money movement service, launched Stash, a rewards program for …
Read More »Block Builds on Square and Cash App; Affirm’s BNPL Roll Continues; Plus Weekly Recap
