Fintech Finance

SEPTEMBER 10, 2024

Klarna gains immediate access to UATP’s vast base of airlines and travel agencies and is a preferred BNPL partner for EU and APAC. For UATP, integrating Klarna further strengthens the payment network’s support for BNPL options. Offering a variety of BNPL choices helps UATP merchants tap into a global BNPL market estimated at $14.55

BNPL 97

BNPL Payment Networks Credit Cards APACS 97

The Fintech Times

JULY 15, 2024

The American Fintech Council , the industry association representing responsible fintech companies and innovative banks, has welcomed new recommendations regarding buy now, pay later (BNPL) but warns that providers need more time to ensure compliance.

BNPL 64

BNPL Consumer Financial Protection Bureau (CFPB) CFPB Request for Comment 64

CB Insights

SEPTEMBER 10, 2021

The company uses machine learning tools to guarantee merchant payments and underwrite transactions. The post BNPL M&A Heats Up As Paypal Acquires Japan’s Paidy For $2.7B Who are the parties to the deal? Paidy: Japan-based Paidy provides buy now, pay later services for e-commerce consumers. Its on a GMV run rate for about $1.5B

PayPal 67

PayPal BNPL Acquirers Venmo 67

PYMNTS

DECEMBER 13, 2020

Affirm is a player in the buy now, pay later (BNPL) space. Legacy payment options, archaic systems, and traditional risk and credit underwriting models can be harmful, deceptive, and restrictive to both consumers and merchants.". The IPO market has been extraordinarily hot in 2020. Levchin was a co-founder of PayPal.

Point-of-Sale (POS) 134

Point-of-Sale (POS) BNPL Underwriting PayPal 134

Stax

APRIL 3, 2025

They can range from traditional payments, such as credit/debit cards and ACH payments , to modern alternative methods, such as digital wallets, mobile transactions, Buy Now Pay Later (BNPL), and cryptocurrency. This means the sub-merchants dont have to go through the lengthy and arduous underwriting process.

Payment Solutions 88

Payment Solutions Payment APIs and Integration Payment Gateways Gateways 88

Fintech Finance

OCTOBER 17, 2024

Before approving the purchase, Klarna will make a new lending decision, using its industry-leading underwriting checks. With 85 million active consumers, Klarna is the biggest global BNPL provider in the world. This decision will not impact a customers’ credit score.

Underwriting 111

Underwriting BNPL Payments Checks 111

FICO

FEBRUARY 7, 2023

Home Blog FICO Top 5 Scores Posts of 2022: Steady FICO Score, BNPL and Alternative Data 2022 marked the first year in over a decade the average FICO Score did not increase, while the industry’s attention remained on topics such as alternative data and BNPL. BNPL in Credit Reports: How Could This Data Impact FICO Scores?

BNPL 52

BNPL Posting Underwriting Consumer 52

Global Fintech & Digital Assets

DECEMBER 21, 2023

The OCC outlines safety and soundness principles and appropriate risk management processes for its regulated institutions that engage in BNPL lending. The OCC expects that banks engaged in BNPL lending “do so within a risk management system that is commensurate with associated risks.” By Arthur S.

OCC 59

OCC BNPL Electronic Fund Transfer Act (EFTA) Federal Trade Commission 59

Fintech Finance

MAY 23, 2024

Zopa Bank has entered the UK’s £23 billion renewable energy market (1), making its suite of fully regulated BNPL and retail finance products available to Octopus Energy customers across the UK. Zopa launched its regulated BNPL and retail finance products in August 2023 to bring to life BNPL 2.0, million customers.

BNPL 59

BNPL Void Finance On-Demand 59

The Fintech Times

JULY 28, 2024

Looking to bring this idea to life, Marqeta , the global modern card issuing platform has partnered with Visa , the payments giant, and Affirm , the BNPL provider. This wouldn’t be an issue though if you could toggle between multiple payment methods on one card. Marqeta achieved certification with Visa Flexible Credential in May 2024.

Credential 59

Credential BNPL Issuers Underwriting 59

PYMNTS

DECEMBER 30, 2020

Extend CEO and Co-Founder Andrew Jamison similarly acknowledged the continued rise of buy now, pay later (BNPL) models in B2B payments, although he warned that this trend doesn't come without its risks, particularly as third-party FinTechs step into facilitate trade credit or other financing models to fuel strategically timed B2B transactions. "Buy

B2B 119

B2B Payer Payments BNPL 119

PYMNTS

JANUARY 19, 2021

But many of those same customers are shifting their focus away from traditional credit, toward buy now, pay later (BNPL) models. He gave a nod toward “continuous underwriting,” which offers the user who might not have the ability to pay off a credit card within a few months to convert that debt into a loan, and then pay it down over time.

Acquirers 116

Acquirers Credit Cards Debit Card BNPL 116

Fintech News

SEPTEMBER 4, 2024

Fluid (Singapore) Fluid illustration, Source: Fluid Based in Singapore, Fluid is a cutting-edge business-to-business (B2B) buy now, pay later (BNPL) solution, designed to help suppliers finance buyers’ purchases right at the point of checkout or when negotiating contractual terms. With a US$6.6

FinTech 114

FinTech Cross-Border Payment APIs and Integration Credit Cards 114

CB Insights

MAY 27, 2021

Resolve , which offers buy now, pay later (BNPL) billing for B2B payments, has raised $60M in a Series A, with participation from Initialized Capital, KSD Capital, and Haystack VC, among others. San Francisco-based Resolve is a BNPL B2B fintech company that offers billing and credit purchases solutions. Want the full post?

B2B 46

B2B BNPL Underwriting On-Demand 46

The Payments Association

MARCH 18, 2025

For payments firms, the intersection of payments and credit is becoming a competitive battleground, especially as BNPL and embedded lending scale. In India, telecom data is being leveraged to assess first-time borrowers, while in Kenya, mobile money transaction data is already driving credit underwriting for underserved populations.

Finance 88

Finance Payment APIs and Integration Non-Bank Embedded Finance 88

PYMNTS

FEBRUARY 5, 2020

During the Black Friday and Cyber Monday shopping events and beyond, consumers were increasingly turning to buy now, pay later (BNPL) solutions in the U.S. And Australian BNPL provider Afterpay , which has expanded into the U.S. And, Garg noted, BNPL offers that opportunity in a surprising number of verticals.

Consumer 57

Consumer BNPL Credit Cards Push-to-Card 57

Fintech Finance

APRIL 24, 2024

Splitit’s groundbreaking solution, FI-PayLater, enables FIs to connect directly into Splitit, or connect via their existing card network, to drive incremental lending and fee income from BNPL use cases. ” FI-PayLater changes the game by leveling the playing field.

BNPL 52

BNPL Issuers Payment APIs and Integration Card Issuer 52

The Fintech Times

FEBRUARY 28, 2024

Against this backdrop of rapidly declining availability of regulated credit to sub-prime customers, unregulated lending has risen, including buy now, pay later ( BNPL ) and in some instances, illegal money lending.

Risk 59

Risk BNPL Non-Bank Regulations 59

PYMNTS

DECEMBER 14, 2020

It might seem the recent huge gains by Airbnb and DoorDash on their first trading days following initial public offerings would have BNPL giant Affirm Holdings Inc. after underwriters priced the IPO at $68 a share. after underwriters priced the shares at $102. speeding up its own planned IPO.

Underwriting 64

Underwriting Returns BNPL On-Demand 64

PYMNTS

JULY 14, 2020

Fast and Furious BNPL Action. Australia’s AfterPay is having quite a year, with the pandemic driving more than 1 million new users to try buy now, pay later (BNPL) using the platform in the first 10 weeks of pandemic-related lockdowns. In mid-July the company made news again, announcing it will offer its BNPL services at U.S.

Point-of-Sale (POS) 52

Point-of-Sale (POS) BNPL FDIC Issuers 52

Fintech News

MARCH 18, 2024

Opn’s card issuing platform enables customers to easily launch, manage, scale their own branded card programs, and generate new revenue streams, while its integration of Atome allows its customers to offer BNPL payment options. Roojai claims it experienced robust growth during its fiscal year 2023 starting April 2022 and ending March 2023.

FinTech 111

FinTech Online and Mobile Banking Blockchain Product 111

Fintech Finance

MARCH 6, 2024

Allianz Trade pay provides simplicity, security, flexibility and competitiveness With its e-commerce credit insurance, Allianz Trade offers real time coverage against non-payment risks to B2B marketplaces, BNPL providers and e-merchants. You are a traditional retailer wanting to grow your business safely?

B2B 52

B2B BNPL Payment APIs and Integration Multi-Currency 52

Stax

AUGUST 20, 2024

There are several forms of embedded insurance: Singular policy – This is where companies underwrite the policies themselves and incorporate them into their checkout flows. Before BNPL, customers had to take expensive loans from credit card providers or financial institutions.

Embedded Finance 88

Embedded Finance Finance FinTech Payment APIs and Integration 88

The Fintech Times

APRIL 22, 2024

Through the new launch, Codebase Technologies, with offices across MENA , Africa and APAC, will provide financial institutions with a tailored platform to launch a variety of SME financing products and services such as digital supply chain financing products, BNPL for business, working capital loans, and much more, across key geographies.

Underserved 69

Underserved Finance Technology APACS 69

M2P Fintech

JANUARY 21, 2025

Key Features Diverse Product Support : FinBox supports a wide range of loan products, from working capital loans to Buy Now, Pay Later (BNPL) schemes, enabling lenders to cater to varied borrower needs. These capabilities accelerate underwriting, enhance risk management, and improve decision-making accuracy.

Origination 52

Origination Payment APIs and Integration Underwriting Automation 52

FICO

JANUARY 5, 2023

Open banking, BNPL, cybersecurity and AI will all be under the microscope for regulators and policymakers, but not all areas will see major action in 2023. There Will be Changes in the BNPL Market, but Major Regulatory Action Is at Least a Year Away. Four 2023 U.S. Policy Predictions for Financial Services Companies. FICO Admin.

BNPL 52

BNPL CFPB Consumer Financial Protection Bureau (CFPB) Privacy 52

M2P Fintech

JANUARY 28, 2025

Customizable Repayment Schedule : Supports flexible repayment options, including BNPL and part repayments, with automatic re-amortization based on remaining balances. Can an LMS support innovative lending models like Buy Now Pay Later (BNPL)? How can lenders efficiently manage large-scale financial transactions?

Payment APIs and Integration 52

Payment APIs and Integration BNPL Regulatory Compliance Compliance 52

Electronic Transactions Association

JANUARY 21, 2025

Buy Now Pay Later (BNPL) - BNPL has seen quick uptake among consumers interested in the option of spreading a purchase over several installments. BNPL is one example of innovation in payments that, when adopted carefully and thoughtfully, provides additional payments choice.

BNPL 40

BNPL Financial Inclusion Privacy Small Business 40

Fintech News

MAY 7, 2024

Through its software platforms and products, Perfios helps financial institutions take big leaps by shaping their origination, onboarding, decisioning, underwriting and monitoring processes at scale and speed. It does so by delivering 8.2 billion transactions a year with assets under management (AUM) of US$36 billion.

Payment APIs and Integration 126

Payment APIs and Integration Non-Bank Finance FinTech 126

M2P Fintech

FEBRUARY 28, 2025

Whether its personal loans, SME financing, auto loans, or BNPL (Buy Now, Pay Later), todays Loan Management Systems are built to handle the complexities of modern lending while ensuring efficiency, compliance, and seamless customer experiences. Billion by 2029! Real-time analytics and automated reminders for better loan servicing.

Payment APIs and Integration 52

Payment APIs and Integration Assessments Compliance Best Practices 52

The Fintech Times

FEBRUARY 20, 2024

The platform called Origo is focused on speeding up the underwriting process and delivering speedier and stress free mortgages to borrowers using the power of AI. Adyen, the financial technology platform, and Billie, the B2B payments innovator, have joined forces to let Adyen’s customers enable B2B BNPL payments services.

FinTech 64

FinTech B2B Non-Bank Compliance 64

M2P Fintech

MARCH 28, 2024

These loans include term loans, credit cards, BNPL , and auto loans. Credit Underwriting Credit Underwriting is the process by which a lender (such as a bank, credit union, or fintech company) assesses the creditworthiness of a borrower before granting them a loan or line of credit.

FinTech 59

FinTech Online and Mobile Banking Push-to-Card Payer 59

M2P Fintech

FEBRUARY 25, 2025

A Loan Management System (LMS) accelerates the go-to-market for lending products by automating loan origination, underwriting, servicing, and compliance checks, reducing turnaround times by up to 50%. M2Ps BNPL loans offer a fully scalable, compliant, and flexible platform for banks, fintechs, and NBFCs. Schedule a demo with us today.

Payment APIs and Integration 52

Payment APIs and Integration Compliance Automation BNPL 52

The Fintech Times

APRIL 23, 2024

Sellers can surface relevant products and services at the point of need and are now able to offer financing options at the time of purchase – whether a line of credit, BNPL or a proprietary solution – creating a more seamless commerce journey. “Alignment between buyers and sellers is simply so much stronger now.

Embedded Finance 59

Embedded Finance Finance Payment APIs and Integration Governance 59

PYMNTS

DECEMBER 30, 2020

Affirm Holdings, which specializes in buy now, pay later (BNPL) financing, filed for an IPO that was initially expected to take place this month, but the firm reportedly pushed that off until 2021 at the 11th hour. In fact, big pops mostly just mean that underwriters priced an IPO’s stock too low. Affirm (About $10 Billion) .

Economy 79

Economy Push-to-Card On-Demand Metaverse 79

Finovate

FEBRUARY 11, 2025

FIS is partnering with Affirm to enable banks using its debit processing services to integrate Affirms BNPL payment options. Offering BNPL tools can help smaller financial institutions stay competitive, improve their digital offerings, and meet evolving consumer demands.

BNPL 59

BNPL Debit Card Credit Union On-Demand 59

Fintech Finance

DECEMBER 11, 2024

2 Klarna is the first BNPL provider to come to Apple Pay in Canada, and this expansion follows the feature’s successful launches in US and UK in October. Before approving the purchase, Klarna will make a new lending decision, using its industry-leading underwriting checks.

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BNPL Checks Credit Cards Payments 98