The BNPL provider has made strong inroads in the US but faces steep obstacles in growing its market share

BNPL will count more than 100 million users by 2027. Its high-growth days are in the past, with both the number of BNPL users and overall payment value decelerating. But it remains an important financing tool for consumers and has a long runway ahead: BNPL payment value will account for just 1.4% of overall retail sales in 2025, per our forecast.

They have higher customer satisfaction rates, adding to the competitive pressures

Despite an industrywide push to grow via nonmerchant partnerships, BNPL players still rely on individual deals to reach large merchants

The BNPL player’s revenues doubled in Q4 thanks to users’ more frequent purchases

Consumers are slowly making changes to how they pay at checkout. We look at the top seven payment methods and delve into what’s pushing forward and detracting from their growth.

In our exclusive survey with ESW, data from shoppers in 18 countries reveals new twists in the path to purchase, the rising momentum of marketplaces, and the resilience of age-old fundamentals.

Ramping up marketing spend and integrating Cash App, Afterpay, and Square should put it in a stronger position in 2025

Partnering with a major BNPL player like Klarna could help Mastercard catch up to Visa’s head start

A lot happens in a week, so every Friday we're going to analyze all the new data and provide you with some of the key takeaways. Welcome to the Friday 5. This week, Temu and Shein get a scare, consumers use buy now, pay later (BNPL) apps to discover new products, and Super Bowl viewers don’t really care about ads for AI products or services.

Through a tie-up with FIS, issuers can integrate Affirm's BNPL solution into their debit card programs

These moves can help the company grow ahead of its IPO expected this year

We look at how adjusted pricing, launching in new categories and markets, and growing its debit card made this possible

They’re still using the payment method, but some are wary the plans lead to overspending

Their model proved they can include BNPL loans without hurting most consumers’ credit scores

The directive from acting Director Scott Bessent throws recent payments rules like the open banking and BNPL rules into flux

A rewards integration coming later this year could make Synchrony a more attractive co-brand partner

BNPL providers approved 79% of applications in 2022 thanks to counteroffers for subprime borrowers

The tie-up brings Klarna to more merchants' checkout pages without the need for individual merchant partnerships, helping it save time and money and more quickly ramp up its payments volume

While BNPL losses remain low, consumers may be overextending themselves, making it harder for consumers to pay off their growing credit card balances