蘑菇AV

The newly rebranded 鈥淐ash App 础蹿迟别谤辫补测鈥� will help Block more tightly integrate its products into one ecosystem

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

Square Loans, Cash App Borrow, and Afterpay were all bright spots that should yield longer-term growth

Gen Zers are most likely to experience a problem with the payment method. These concerns could weaken BNPL transaction growth

To compete, fintech still must measure up against regulated and consumer-favorite card-linked installment plans.

In-store payments provide a new growth avenue for BNPL providers facing slower industrywide volume growth

Many may turn to BNPL to make these purchases, providing a growth opportunity for providers

This leaves the BNPL industry back at square one in terms of regulation, creating uncertainty for providers

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.

Google Wallet also recently added Afterpay and Klarna, building on its tie-ups with Affirm and Zip. Delinquencies will remain low. Structural repayment differences will keep BNPL default rates lower than those of credit cards. Most BNPL providers require automatic repayments, helping keep rates low.

Gen Zers are driving growth in both emerging and traditional payment methods as they embrace cards, BNPL, and digital wallets. Payment providers must now align their offerings with Gen Z鈥檚 preferences as the cohort鈥檚 spending power grows.

Investing in card-linked installment offerings can help credit unions and community banks compete with larger issuers

But Klarna still faces strong competition from Affirm and other major players like Afterpay and PayPal, which could limit its future growth. Current market volatility could also delay its market debut.

They have higher customer satisfaction rates, adding to the competitive pressures

Most consumers aren鈥檛 using BNPL frequently enough to make it cost effective

The BNPL provider is taking the lead on credit reporting as the industry waits for regulatory clarity

The BNPL provider pushed the Affirm Card and notched new partnerships to stay ahead of competition.

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

The BNPL provider is racking up partners in a major expansion push before its now-delayed IPO

Despite being a leader in AI use, the BNPL provider said leaning on AI for customer service lowered support quality

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

Afterpay. Apple. Google. J.D. Power. JPMorgan Chase. Klarna. PYMNTS.com. Zip.

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.