GreenSky may be an attractive acquisition as consumers rely more on BNPL for essential purchases

The IMF published a blog calling out the risks these unregulated NBFIs pose, and called on regulators to buckle down to contain them.

According to Piper Sandler’s 45th semi-annual survey of US teen consumers, Gen Z spending was up 2% YoY to $2,419 annually. We dig into some of the key findings from the survey and offer our perspective, including why Ulta Beauty is proof the “lipstick effect” is in full swing and how Amazon can keep up with platforms like TikTok.

Gen Zers make up about 20% of the US population, and they’re growing up. The digitally native generation has unique shopping habits after going through the pandemic during their formative years. From TikTok to the creator economy to payments trends, here’s how our analysts predict Gen Z will change shopping.

Apple’s long-teased buy now, pay later service is finally here, but what can it bring to an already crowded table? Our analysts unpack who may use Apple Pay Later and evaluate five of its prerelease features to see how they stack up to consumer demand.

Apple’s product strength and established wallet reach will make the solution a prime competitor in a crowded market.

It partnered with OpenAI on a ChatGPT plugin to offer users personalized shopping recommendations.

This year, the payments industry will face its first major test following pandemic-driven digitization as economic uncertainty pressures customer habits. This is the data you need to understand the major changes facing the payments ecosystem in 2023—and how to navigate them.

Macroeconomic headwinds and tight competition might’ve complicated Affirm’s growth efforts in Australia.

In-store shopping remains the largest US retail channel by both share and dollars. Growth overall will decelerate as economic worries lead consumers to pull back on spending.

Canada is behind other Western economies in digital payments adoption, but new technologies are finding footing against cards. Diving into usage among different demographic groups foretells how adoption will progress.

Buy now, pay later (BNPL) has thrived because it combines the flexibility of credit with short repayment terms, app-based shopping, and a simple user experience.

Its report found that many BNPL users have subprime credit scores and are under economic distress—which could increase the case for regulation.

The cohort experiences life through social media and mobile devices. Banks must adapt to win their dollars.

Both firms reported slight profit improvements in Q4 following a shift away from a growth-at-all-costs mentality—which is likely to continue into 2023.

Consumer device and behavior trends are affecting payment providers’ strategies across retail, P2P, B2B, disbursement, and cross-border channels. Here’s what that means for the payments ecosystem.

Economic uncertainty and rapid technological innovation are shifting industry dynamics for players across the payments ecosystem, including acquirers and processors, networks, and issuers.

Digital payment methods continue to displace cash and checks in the US payments ecosystem. But after a pandemic-driven crest, growth is moderating amid economic uncertainty, resetting the stakes for share of wallet.

The US is now Klarna’s largest revenue market thanks in part to its app solutions, the Klarna Card, and merchant-facing marketing tools.

As Gen Zers’ buying power grows, retailers need to understand the best ways to connect and engage with them, whether that’s through leaning into product discovery or creating a more seamless payment process. We take a look at some of Gen Z’s shopping habits and what they mean for retailers.