TECH BUYER Sep 2021 - IDC Perspective - Doc # US48249421

Buy Now, Pay Later — New Products, New Challenges

By:

Aaron Press
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Table of Contents

Executive Snapshot

Figure: Executive Snapshot: BNPL Is Making Waves

Situation Overview

A New(ish) Twist on an Old Idea

Similar Concepts

Layaway

Private Label Credit Cards

Point-of-Sale Financing

The Current Generation of BNPL Solutions

Transactional Credit

Established Credit Billing

What Distinguishes Newer Programs from Their Predecessors

Lower Transaction Values

Shorter Time Frames

Streamlined Underwriting

Integration-Focused Technology

Merchant-Driven Revenue

The Square-Afterpay Deal

A Look at the PayPal–Paidy Deal

Industry Response to BNPL

Other Considerations

Risk of Regulation

Wild Card: Potential Impact to Interchange Regulation

Advice for the Technology Buyer

Learn More

Related Research

Synopsis

Content


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