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Some 54% of 25- to 34-year-olds and 44% of 16- to 24-year-olds are likely to seek out brands offering arrangements such as buy now, pay later (BNPL) and other options, per a May 2023 survey of consumers in Europe by Vodeno and Aion Bank. Clothing and footwear is the top category for cross-border shopping. Apparel is the biggest category for cross-border shopping by some margin.

The growing popularity of digital wallets will also boost buy now, pay later (BNPL) transactions. Europe has the largest regional share of BNPL ecommerce transaction values in the world, according to FIS. And despite new rules around BNPL in Europe, innovation continues: The EPI is set to integrate a 鈥渞esponsible鈥� BNPL solution into its pan-European digital wallet.

You've got buy now, pay later players who would love to be able to get in store utilizing NFC. All of these entities thereby can make money on the interchange because it'll be with their own issued cards. So don't forget that. Rob Rubin:. You know what? For fun, let's take these four predictions that we just talked about and rank them each for likeliness to come true.

These include money management account and credit cards for merchants, as well as buy now, pay later (BNPL) installment and financing options for their customers. Legacy acquirers will respond with evolving payfac solutions. This will help them grow overall transaction value and maintain SMB relationships, which can lead to software sales.

On top of being a bank and a BNPL provider:. It launched a standalone open banking brand, Kosma. It bought and operated social shopping platform Hero for $160 million. It bought price-comparison site PriceRunner. It also launched a physical card and a shopping search engine, among other services and features. But not all of those ventures panned out.

Nontraditional healthcare companies will account for one-third of the primary care market by 2030: But some retailers and startups have struggled to make inroads鈥攁 cautionary tale for healthcare entrants.

Issuers must provide payment flexibility to compete against buy now, pay later (BNPL) and shifting consumer expectations. US BNPL payment value will see a compound annual growth rate (CAGR) of 14.8% from 2023 to 2027, when it will reach $124.82 billion, per our forecast. This pales in comparison to the $3.466 trillion in credit card spending at food service and retail in 2023.

BNPL volume is mostly online, but fintechs like Klarna are driving more in-store adoption to keep up their growth momentum as the maturing industry鈥檚 volume is decelerating.

I guess there's no option for using buy now, pay later, and forgetting to pay. Suzy Davidkhanian:. There was. Oh, not the forgetting to pay. Buy now, pay later from how they're going to manage the increases and this tension was ranked, but it was the lowest ranking option. Paul Verna:. Okay. Suzy Davidkhanian:. But what I thought was really interesting was a term I hadn't heard before.

However, Gen Zers are the second-most likely to consider BNPL essential for the holiday season (41%), right behind millennial parents (42%). Gen Z consumers and millennial consumers will make up 64.9% of total BNPL users in the US this year, with 24.6 million and 31.6 million users, respectively, per our forecast. US BNPL payment value will rise 20.8% to reach $94.29 billion this year.

It will not only affect their payments volume growth, but it could also lead to higher delinquencies for credit card and BNPL providers. But these losses could be mitigated as expected rate cuts start to make paying back credit card debts a bit easier.

Take a pause: What percentage of buy now, pay later (BNPL) users have postponed, rescheduled, or delayed a BNPL payment in the past 20 days? A) 7% B) 17% C) 27% D) 37%. Over a quarter (27%) of US BNPL users have postponed, rescheduled, or delayed a BNPL payment in the past 30 days according to recent data from CivicScience. June 10, 2025. Without fail: True or false?

BNPL providers will make two changes as the industry transitions to 鈥淏狈笔尝 2.0鈥�:. Leading BNPL providers will try to build super apps. They are leaning into non-BNPL services, including rewards programs, physical cards, noninstallment payment options, and price trackers. Becoming a destination for shopping and financial management can increase engagement and introduce new revenue streams.

Amazon, Target, and malls were among this year鈥檚 Cyber Five winners: Roughly 197 million people shopped this year鈥檚 sales, leading to a surge in online and in-store spending.

Further integration of digital proximity payments, including Apple Pay and buy now, pay later (BNPL), along with cashierless checkout, will make transacting easier. The digitization of the store will bring the best aspects of ecommerce into physical retail. Physical retail must adapt to intensifying competition from ecommerce.

This is especially important for BNPL fintechs as they search for long-term profitability in a historically low-margin business. Dig deeper: Check out our BNPL forecast for more information on where we think BNPL growth is headed in the US. This article originally appeared in Insider Intelligence's Payments Innovation Briefing鈥攁 three-times-weekly recap of top stories reshaping the payments industry.

Expanding into BNPL, for example, could help attract younger users: 50.1% of Gen Zers will use BNPL by 2026鈥攖he most of any generation, per Insider Intelligence research. But flawed systems can prevent banks from integrating BNPL products. Customer acquisition. Banks can improve customer service and product quality if they adopt new payment systems.

Expanded BNPL. Affirm and Zip鈥檚 buy now, pay later (BNPL) options will be available at more merchant sites and Android apps across the US following a December pilot. Consumers can link their BNPL accounts to Google Pay or sign up with either provider within Google Pay鈥檚 checkout. How it can help: Not offering a customer鈥檚 preferred payment method at checkout can hurt conversion rates.

The news: Klarna instituted a hiring freeze outside of engineers as the buy now, pay later (BNPL) provider plans to lean more on artificial intelligence (AI) to replace labor, Klarna CEO Sebastian Siemiatkowski told The Telegraph.

Businesses that have already adopted buy now, pay later (BNPL), such as Walmart or Wayfair, will likely be among the first to embrace A2A. Gen Z Breaks Into the Financial Services Mainstream. Gen Z is the new customer鈥攁nd their business must be won today. In 2023, there will be more adult Gen Zers than adolescents for the first time, equaling about half the size of the millennial population.

In 2022, affiliate marketers鈥� interest started to rise in BNPL providers such as Klarna. In 2023, that interest is spiking, thanks in part to US consumers鈥� continued embrace of the technology: Nearly three in 10 US adults will use a BNPL service in 2023, up from less than 1% five years ago.

Where things get a little hazy is the generation鈥檚 reliance on BNPL and their interest in cryptocurrency. BNPL solutions require tracking numerous installment plans with different due dates across each month, for example, versus looking at one or two credit card statements. That means it鈥檚 harder to track their budgets.