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While this is a win for Klarna, merchants may not want to take on the higher transaction costs that sometimes come with BNPL plans

The BNPL industry鈥檚 explosive growth is a thing of the past. The number of US BNPL users will grow only 6.9% in 2024, a major slowdown from prior years. And while payment value will rise at a still-strong rate of 20.8% this year, it too marks a significant deceleration.

It鈥檚 a large volume opportunity for the BNPL player and helps Klarna compete with. It can also help keep users loyal to Apple as its NFC tech opens up

On today's podcast episode, we discuss how a department of justice suggested breakup of Google could change search, the potential impact of Walmart鈥檚 personalized homepages and customer support, what鈥檚 next for the buy now, pay later (BNPL) space, how Tesla鈥檚 new 鈥渃ybercab鈥� could change the world of robotaxis, what charitable donations in America look like, and more. Tune in to the discussion with host Marcus Johnson, director or Briefings Jeremy Goldman, analyst Evelyn Mitchell-Wolf and vice president of Briefings Stephanie Taglianetti.

This should help boost volume for both the booking platform and for the card-linked installment offering, given BNPL鈥檚 popularity in the travel category and an overall spike in popularity for card-linked BNPL

The BNPL provider expanded its merchant network and pushed in-store. A potential Apple Pay deal could help raise its profile

But usage of the payment option remained quite limited compared with the share of buyers who use BNPL at any point during the year

And the card鈥檚 growth will also propel the BNPL player鈥檚 overall volume: We expect Affirm鈥檚 US BNPL payment value will total $30.58 billion in 2025.

More than one-quarter (27%) of UK adults鈥攁bout 14 million people鈥攗sed BNPL at least once in the last six months of 2022, per data from the UK鈥檚 Financial Conduct Authority (FCA). This can greatly boost Affirm鈥檚 user base: We forecast the BNPL provider will have 16.7 million US users in 2025. How it will fare: Affirm will face steep competition attracting UK BNPL users.

Afterpay鈥檚 popularity could attract new cardholders: BNPL gross merchandise volume increased 23% YoY in Q3, totaling $8.24 billion. Our take: From Square Loans, to Cash App Borrow, to Afterpay, Block鈥檚 lending products are clearly meeting a customer need and should continue to propel the company鈥檚 growth forward.

he policy targets deceptive practices, requiring companies to make it as easy to cancel as it is to sign up. Opponents say it鈥檒l increase accidental unsubscribes.

Buy now, pay later (BNPL) payment value will rise 14.8% annually from 2023 through 2027, as BNPL fintech leaders adapt to a maturing market by diversifying product offerings and harnessing demographic trends.