The BNPL model is reaching a critical juncture. The product’s reception clearly demonstrates that it makes purchasing decisions seamless and convenient. On the other hand, BNPL providers have yet to demonstrate an ability to generate profits, even before emerging signs of escalating default rates.
Regulatory scrutiny is increasing, with agencies such as the Consumer Financial Protection Bureau (CFPB) expressing concern with rising debt levels and inconsistent disclosures.
In our latest report, SRM's experts offer insight on the existing and projected BNPL landscape, market lessons to date, and the opportunities and threats stemming from action and inaction.
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