Divergence or Convergence: What Is the Short Term Future of the BNPL Industry?

In this episode, Adam, Ryan, Nigel and Alex look at how Buy Now Pay Later (BNPL) has evolved, where it is in the present day and where it is heading. 

-What percentage of transactions currently use BNPL? 
-When will the rate of growth for BNPL slow? 
-How do retailers and providers evolve to meet consumer needs? 
-How will regulators impact this new financial phenomenon?

Timestamps below:

- Divergence & convergence? The Bain answer first! (2:36) 
- Macroeconomic pressures (5:32) 
- The background of BNPL (6:16) 
- Credit modules (8:36) 
- What has led to the rise of BNPL? (10:20)
- Effects of consumer experience on change (10:36) 
- Data analytics team overview (16:02) 
- Incorporating human psychology into algorithms (19:58) 
- Merchant benefits (23:06) & (24:07) 
- BNPLs are becoming platforms (23:47) 
- Where does BNPL fit in with retailer's payment strategies (27:00) 
- Where does your biggest cost space sit (29:26) 
- Generational shifts & future projections for growth (32:22) 
- Who should be getting into BNPL? (33:53)
- Regulators (42:33)
 

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- You can find Adam Davis here
- You can find Ryan Garner here
- You can find Nigel Verdon here
- You can find Alex Lang here