蘑菇AV

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.

Their model proved they can include BNPL loans without hurting most consumers鈥� credit scores

BNPL providers approved 79% of applications in 2022 thanks to counteroffers for subprime borrowers

While BNPL losses remain low, consumers may be overextending themselves, making it harder for consumers to pay off their growing credit card balances

US buy now, pay later (BNPL) payment value will reach $94.29 billion in 2024. As the industry matures, user growth is becoming limited鈥攆orcing BNPL fintechs to find new avenues for growth.

From a slew of major partnerships to our forecasts for slower user growth, we look at the biggest BNPL trends of 2024鈥攁nd what they mean for 2025.

Shoppers are more comfortable than ever using BNPL鈥攁nd not just during the holidays. Buy now, pay later (BNPL) volume will hit $18.5 billion this holiday season, with Cyber Monday alone accounting for just shy of $1 billion in spend, per Adobe. That鈥檚 27.6% more than BNPL holiday sales volume in 2022.

The tie-up will bring the BNPL provider to a bevy of merchants鈥� checkout pages鈥攚hether they like it or not

The directive from acting Director Scott Bessent throws recent payments rules like the open banking and BNPL rules into flux

This tie-up defies previous concerns about the viability of funding the BNPL industry

On today's podcast episode, we discuss how folks viewed big ticket items over the Thanksgiving holiday shopping period, how in-store foot traffic shook out, and the impact of buy now, pay later (BNPL). Listen to the conversation with our Senior Analyst Sara Lebow as she hosts Senior Analyst Zak Stambor and Analyst Rachel Wolff.

The tie-up can bring in a large new stream of payments volume for the BNPL player, boosting growth ahead of going public next year

This could further propel BNPL volume this holiday season as well as catapult merchants鈥� holiday volume.

Digital wallets鈥� transformation into commerce enablers speeds up. We make a case for digital-only consumer credit cards. And we see a new threat that BNPL poses to credit cards.

The BNPL provider has been prepping for this for years. Its profitability push and cost-cutting initiatives should set it up for a strong listing

Marqeta Flex helps digital wallets and card issuers embed BNPL options, eliminating the need for direct integrations with merchants

Firms must plan for regulatory changes across areas like BNPL, open banking, crypto, and credit cards

US buy now, pay later (BNPL) user growth is slowing, plummeting from 97.0% in 2021 to just 4.1% in 2028, according to our forecast.

Expanding into healthcare payments can help invigorate growth for BNPL players as user growth slows