Navigating BNPL Regulations and Legal Challenges

This chapter explores the regulatory complexities and challenges inherent in the Buy Now, Pay Later (BNPL) landscape, especially during its formative stages. It contrasts BNPL with traditional credit options while discussing the evolving legal frameworks that fintech companies must navigate. Key reflections include the shift from chaotic legal operations to structured processes in a rapidly scaling startup, particularly under the pressures of an acquisition amid the COVID-19 pandemic.