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Affirm teams up with JPMorgan to expand BNPL reach: The partnership will help the fintech keep pace with Klarna and capitalize on growing demand for flexible payment options.

Market instability as well as concerns over an economic slowdown as a result of President Trump鈥檚 tariffs are making the BNPL player pause its plans

BNPL credit reporting has been hotly debated, but Affirm argues it will help consumers build credit

Tying up with DoorDash gives the BNPL provider a massive volume opportunity

The partnership will give the BNPL provider a boost and help it better compete against rival Affirm

US buy now, pay later (BNPL) payment value will reach $94.29 billion in 2024. As the industry matures, user growth is becoming limited鈥攆orcing BNPL fintechs to find new avenues for growth.

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.

The BNPL provider has made strong inroads in the US but faces steep obstacles in growing its market share

Despite an industrywide push to grow via nonmerchant partnerships, BNPL players still rely on individual deals to reach large merchants

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

The BNPL player鈥檚 revenues doubled in Q4 thanks to users鈥� more frequent purchases

A lot happens in a week, so every Friday we're going to analyze all the new data and provide you with some of the key takeaways. Welcome to the Friday 5. This week, Temu and Shein get a scare, consumers use buy now, pay later (BNPL) apps to discover new products, and Super Bowl viewers don鈥檛 really care about ads for AI products or services.

Partnering with a major BNPL player like Klarna could help Mastercard catch up to Visa鈥檚 head start

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

Their model proved they can include BNPL loans without hurting most consumers鈥� credit scores

The directive from acting Director Scott Bessent throws recent payments rules like the open banking and BNPL rules into flux