If Cyber Five trends hint at what to expect from the rest of the holiday season, expect buy now, pay later (BNPL) to be a big hit.

It’s official. The Cyber Five (the five-day period between Thanksgiving and Cyber Monday) have not lost their touch. Let’s dig into the data as retailers take a deep breath and ready themselves for what’s shaping up to be a pretty busy holiday season.

Small-business and BNPL growth underscores two holiday trends and could direct investment for 2023.

A record number of US consumers shopped over the Cyber Five: 196.7 million US consumers shopped over the five-day period, which is 7.1 million more than the previous high.

As economic pressures weigh down on consumers, 20% plan to use BNPL to help stretch their holiday budgets, per TSG and ETA.

A surprisingly strong start to the Cyber Five: Steep discounts drove record sales on Thanksgiving and Black Friday, as US consumers flocked to stores as well as ecommerce sites and apps over the holiday weekend.

Steve Delpy said there could be opportunities in the payments industry slowdown in a conversation with Insider Intelligence.

Steve Delpy said there could be opportunities in the payments industry slowdown in a conversation with Insider Intelligence.

Some 40 million people will use Klarna in the US next year, marking a 15.6% increase for the buy now, pay later (BNPL) service. Over the coming years, growth will slip into the single digits, a far cry from the 115.0% surge back in 2020.

The company’s gross merchandise volume surged 62% YoY thanks to a boost in active customers and merchants.

It launched Ant Bank PayLater, which will let AlipayHK users spread purchases across three-month installment plans.

Our research validates that Klarna is at the cutting edge of BNPL innovation, offering 35 of 49 features selected by our analysts based on their ability to differentiate BNPL providers.

We delve through PayPal’s Q3 earnings report to give you the main takeaways.

On today’s episode, we discuss the Fed raising interest rates and how that is impacting fintech lenders. In our “Headlines” segment, we discuss recent developments in fintech and buy now, pay later (BNPL). In “Story by Numbers,” we select two numbers that tell a story about the challenges neobank lenders are facing and two numbers about their untapped opportunities. And in “Pretend CEO,” host Rob Rubin challenges Ahon Sarkar, general manager of Helix by Q2, to pretend he’s the newly hired CEO of a monoline BNPL company. Tune in to the discussion with Rob Rubin and Ahon Sarkar.

British firms are capitalizing on consumers and small businesses seeking out more flexible and interest-free payments.

Demand for digital account opening will decrease in 2022 due to economic volatility. Growth will be slow in 2023 and stagnate by 2024.

The government may require BNPL providers to carry out affordability checks before approving customers, among other measures.

How do Klarna’s BNPL product features measure up to customer demand? We show how new features can balance these demands against the competing interests of shareholders and regulators.

The most informative sessions unpacked providers’ increased alertness around fraud, the next era of BNPL, attendees’ excitement over open banking innovation, and fintechs’ efforts to align with regulators.

Incoming regulation, rising delinquencies, and a shaky economic outlook may lead to industry-wide changes