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I think one of the things that definitely struck me is the rise in BNPL payment platforms. That's something that continues to go up, which does make you think, is there a ceiling? Is there a certain point where people stop putting things on credit and buying through BNPL, and then those forms of commerce just dry up over time?

Today鈥檚 episode is all about the future of banking as a service (BAAS). In our "Headlines" segment, we use Railsr鈥檚 fall from grace to discuss how today鈥檚 economic uncertainty has slowed down the progress of embedded finance and BaaS. In "Story by Numbers," we examine a cornerstone advisor鈥檚 forecast of BaaS revenues in 2026 and how a 2022 study from Endava found that about half of fintechs are having scaling and platform issues with their BaaS providers. And in "Pretend CEO," we ask guest Leda Glyptis to pretend that she鈥檚 teamed up with a giant private equity firm with unlimited capital resources and a vision of building or buying her way to win a material share of the $25 billion of BaaS revenues in 2026. Join the fun with host Rob Rubin, our analyst Eleni Digalaki, and special guest Leda Glyptis, chief client officer at 10x Banking and author of the recently released book "Bankers Like Us."

That's all according to our forecast. Can you tell me more about which categories you both are watching this holiday season? Jeremy, why don't you take that one first? Jeremy Goldman:.

So now you can search Afterpay merchants and check out using BNPL in Cash app. Sara Lebow:. It's interesting, I don't think of myself as a pioneer of mobile wallet use, but I use three out of the four systems that you just mentioned. Jaime Toplin:. Yeah.

Buy now, pay later options integrated into the Amazon Pay button include Affirm鈥檚 solution鈥攑reviously available only via Amazon鈥檚 US checkout page鈥攁nd Citi Flex Pay, an installment plan for eligible Citi credit card holders. (Both are 2023 additions.) They are now among a trove of other payment choices that make it easier for customers to make purchases.