Welcome to the Tearsheet Podcast. I’m Tearsheet Editor in Chief, Zack Miller. With the excitement around buy now, pay later, Citizens stands out among a small number of banks with an offering in the space. The firm has been providing point of sale financing since 2016 and has issued over $6 billion to more than 5 million accounts. Citizens Pay is expanding in the U.S. through more partnerships with merchants in new verticals like health and fitness retailers and home contractors. I’m joined on the podcast today by Eric Schuppenhauer, Citizen’s president of consumer lending and national banking. He shares some more insight on Citizens Pay and how the bank is positioned in the space. We discuss trends in the industry and what’s propelling consumers and businesses to adopt this form of payment. Lastly, Eric delves into his expansion strategy for the firm and the bank’s plans to further embed its services into its partners’ businesses in the future. Eric Schuppenhauer is my guest today on the Tearsheet Podcast.