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THE ERA OF UNCERTAINTY: BUY NOW, PAY LATER


WHAT SHORT-TERM CHALLENGES AND LONG-TERM CHANGES MEAN FOR PROVIDERS AND
RETAILERS RIGHT NOW

Report by David Morris  |  Jun 27, 2022
ReportCharts

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Table of Contents
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Table of Contents
Executive Summary
BNPL Challenges Not for the Faint of Heart
Short-Term Changes
Long-Term Changes
What It All Means for Retailers and Providers
Read Next
Sources
Media Gallery
About This Report
BNPL providers are in the eye of a perfect storm, as investor and regulatory
scrutiny, increasing competition, and the prospect of recession put them at
risk. But it’s still early days—and we see foresee a long growth runway. Read on
to learn how retailers and providers can navigate the current landscape to their
maximum benefit.
Topics
Payments
US
Table of Contents
Executive Summary
BNPL Challenges Not for the Faint of Heart
Short-Term Changes
Long-Term Changes
What It All Means for Retailers and Providers
Read Next
Sources
Media Gallery



EXECUTIVE SUMMARY

Buy now, pay later (BNPL) usage has exploded in the US, as consumers flock to
reimaged installment loans that blend the flexibility of credit, short repayment
terms, and app-based shopping into a simple, easy user experience. But investor
and regulatory scrutiny, increasing competition, and a pending recession are
putting BNPL providers at risk.

Key Question: What are the short- and long-term challenges of BNPL, and what do
they mean for providers and retailers?


E-Mail ChartDownload


KEY STAT: We forecast that Klarna, Afterpay, and Affirm count close to 70
million users on their BNPL platforms. But newer entrants Block, PayPal, and
Apple draw from larger, more diversified user bases, increasing the pressure.




HERE’S WHAT’S IN THE FULL REPORT


1FILE

Exportable files for easy reading, analysis and sharing.

 * 


3CHARTS

Reliable data in simple displays for presentations and quick decision making.

 * 




TABLE OF CONTENTS

 1. Executive Summary
 2. BNPL Challenges Not for the Faint of Heart
 3. Short-Term Changes

 1. Long-Term Changes
 2. What It All Means for Retailers and Providers
 3. Read Next

 1. Sources
 2. Media Gallery




CHARTS IN THIS REPORT

US Buy Now, Pay Later (BNPL) Users, by Platform, 2022 (millions)US Buy Now, Pay
Later (BNPL) Users, 2021-2025 (millions, % change, and % of digital buyers)
US Buy Now, Pay Later (BNPL) Sales, 2021-2026 (billions and % change)


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US Buy Now, Pay Later (BNPL) Users, by Platform, 2022 (millions)

Download
Download
US Buy Now, Pay Later (BNPL) Users, 2021-2025 (millions, % change, and % of
digital buyers)

Download
US Buy Now, Pay Later (BNPL) Sales, 2021-2026 (billions and % change)

Download


US Buy Now, Pay Later (BNPL) Users, by Platform, 2022 (millions)

Download

 

Download
US Buy Now, Pay Later (BNPL) Users, 2021-2025 (millions, % change, and % of
digital buyers)

Download
US Buy Now, Pay Later (BNPL) Sales, 2021-2026 (billions and % change)

Download




READ THIS WITH INSIDER INTELLIGENCE

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AUTHORS


DAVID MORRIS




CONTRIBUTORS

Daniel DeceaResearcher, Financial ServicesJaime ToplinSenior Analyst



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