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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.

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.

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.

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.

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

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

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

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

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

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

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

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.

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

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