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BNPL will count more than 100 million users by 2027. Its high-growth days are in the past, with both the number of BNPL users and overall payment value decelerating. But it remains an important financing tool for consumers and has a long runway ahead: BNPL payment value will account for just 1.4% of overall retail sales in 2025, per our forecast.

While meme coins don’t have a long-term future as a payment method, there is growing momentum for stablecoin crypto payments

Rapid growth and enterprise deals position OpenAI as an AI giant, but as expectations rise, the real test will be proving long-term financial viability.

The POS provider achieved this milestone despite slowing growth due to intense competition

Ramping up marketing spend and integrating Cash App, Afterpay, and Square should put it in a stronger position in 2025

The bank will start blocking more transactions that originate from social media

The tie-up can help attract younger travelers and aids in Venmo’s monetization journey

Paywalls, contextual ads, and in-platform transactions could enhance Reddit’s profits without alienating its community-focused user base.

How can brands and retailers succeed in the new era of mobile-first ecommerce?

Fraud concerns aren’t slowing down the P2P player as its growth outpaces peers

Marketers can emphasize how credit cards seamlessly integrate within quickly evolving digital wallet ecosystems. Open-loop digital wallets are cementing their position as consumers’ everyday commerce enablers. In 2024, roughly two-thirds of US smartphone users will transact via a mobile wallet app, up from about half in 2021, per our forecast.

Our take: Paze could transform the digital wallet industry—but not for some time given its slow merchant rollout. Still, other wallets like Apple Pay and PayPal will need to prepare for Paze’s influence. They can do so by investing in some of Paze’s innovative features, like payment method optimization.

Through a tie-up with FIS, issuers can integrate Affirm's BNPL solution into their debit card programs

Digital wallets and other payment apps that handle more than 50 million transactions per year will be subject to the new rule. This will include Apple Pay, Google Wallet, PayPal, and Cash App, among others.