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So next year, more than half of Gen Z digital buyers will use buy now, pay later services like Klarna and Affirm, putting them ahead of any other generation, including Millennials, in terms of use according to our forecast. What are the implications of this BNPL trend? Arielle Feger:.

So I think there's issues there and ultimately how technologically savvy this company is, and that's where a Klarna or PayPal is going to do well. Rob Rubin:. How do they fill the gaps? Maria Elm:. Partnerships. Rob Rubin:. So they merge data with other providers? Maria Elm:. Yes.

The debit card gave Affirm a boost in active users and strong numbers, but to continue this pace of growth, Affirm may need to get creative

The network also forecasts a surge in ecommerce returns, per its 2024 economic outlook

Affirm and Klarna have yet to turn a profit, and sinking valuations further hurt performance. Zip made extensive cost cuts last year to stay afloat, including exiting markets and closing its money management app. BNPL providers will make two changes as the industry transitions to 鈥淏NPL 2.0鈥�:. Leading BNPL providers will try to build super apps.

So she was writing that Klarna and Sezzle are among the providers that offer users or waived service fees and other benefits for a monthly fee. So maybe that's something that can help to jumpstart growth. Some other initiatives in there as well in terms of what is going to be growing the BNPL space in the future. Grace's full report is available to eMarketer Pro+ subscribers.

I think one other factor is just that marketplaces are getting, I mean we've always had Amazon on our phones, but I think there are more and marketplaces out there that are being used including things like you mentioned the Chinese shopping apps, but Klarna has its own marketplace. Instacart has its own marketplace.