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The company made major strategic moves during its transition year, but it may take longer for them to bear fruit

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 player’s revenues doubled in Q4 thanks to users’ more frequent purchases

The tie-up comes two years after Visa, Mastercard, and Discover began working with the firm

The company is trying to better market itself as a B2B company and grow its checkout business

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

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

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

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

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

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

These moves can help the company grow ahead of its IPO expected this year

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