From a slew of major partnerships to our forecasts for slower user growth, we look at the biggest BNPL trends of 2024—and what they mean for 2025.

Google wants to be a retail hub: Less than a month after rolling out a rebuilt Google Shopping, the tech giant launched a host of in-store and local shopping features.

They can help Google steal some market share from Apple as it opens up its NFC tech.

US buy now, pay later (BNPL) payment value will reach $94.29 billion in 2024. As the industry matures, user growth is becoming limited—forcing BNPL fintechs to find new avenues for growth.

The BNPL provider expanded its merchant network and pushed in-store. A potential Apple Pay deal could help raise its profile

It also includes features to minimize checkout friction as Google Pay tries to streamline the experience

Strong volume growth and 100 million users prove the BNPL provider’s successful expansion

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.

Zip said it plans to focus on its core business instead—we look at what it means for both providers.

BNPL providers are in the eye of a perfect storm, as investor and regulatory scrutiny, increasing competition, and the prospect of recession put them at risk. But it’s still early days—and we see foresee a long growth runway. Read on to learn how retailers and providers can navigate the current landscape to their maximum benefit.

Payments Ecosystem: This year will reveal how providers must adapt to lasting pandemic-driven digitization across payments channels, ranging from in-store retail to B2B ecommerce.

Payments Ecosystem: Diminishing analog payment use—as well as the battle for share between entrenched electronic payment methods and emerging challengers—will intensify the battle for customer spending this year.

The acquisition could give Zip a path into long-term financing and a user base boost as competition mounts and regulation looms.

Increasing competition in the realm of point-of-sale installment plans will push existing buy now, pay later firms to diversify their offerings and target consumers beyond the existing core of Gen Z and millennial users.

Zip’s preholiday shopping event clocked stellar numbers, but diversification and increased credit card use might challenge BNPL growth.

Affirm plans to launch a crypto trading feature, and Zip will support some of Adyen’s merchant partners.