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Articles on Buy Now Pay Later

  1. Department & Category

Banks Built for Paychecks Meet the Cash Flow Generation

For much of the past century, banking products evolved around the regular paycheck. But findings in the August 2026 edition of The Millennial Playbook, a report by PYMNTS Intelligence, reveal that as work becomes more fragmented, simply holding the checking account may become less valuable than helping customers manage when money arrives, how long it […]
3 min read
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  1. Shopper & Customer

J.P. Morgan Payments Commerce Platform Embeds Klarna for Instant Merchant Access

Merchants using J.P. Morgan Payments’ Commerce Platform in the United States can now offer Klarna’s flexible payment options at checkout, with no integration required. With this new capability, businesses across all retail categories can offer their customers Klarna’s pay in full, interest-free installments and longer-term financing, Klarna said in a Thursday (Aug. 6) press release emailed […]
2 min read
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  1. Trends & External Forces

Oregon Says BNPL Providers Need State Lending Licenses

Oregon is reminding pay later companies they must have state lending licenses before offering their services. The proposed bulletin from the Oregon Department of Consumer and Business Services, Division of Financial Regulation (DFR) was issued earlier this month, and is the subject of a Tuesday (July 28) article from law firm Ballard Spahr. The bulletin is worth noting because it rejects […]
2 min read
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  1. Shopper & Customer

OnePay and Upgrade Team on Personal Loan Program

Walmart-backed OnePay has teamed with fellow FinTech Upgrade to launch a consumer loan program. OnePay’s Personal Loans offering, announced Monday (July 20), is aimed at addressing what the company describes as rising consumer demand for credit amid increasing costs and a stricter lending environment. “Getting access to credit in America today is harder than it […]
2 min read
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  1. Trends & External Forces

New York Regulator Proposes Licensing Rules for BNPL Lenders

The New York State Department of Financial Services (DFS) posted a notice of proposed rule making regarding buy now, pay later (BNPL) lenders together with the text of the proposed regulation Wednesday (July 15) and will accept public comment on the proposed regulation until Sept. 14, according to the department’s regulatory activity page. “Today DFS formally proposed regulations to establish a licensing and […]
2 min read
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  1. Data & Insights

How 2026 will Redefine Identity Verification in Retail

Retailers lost an estimated $115 billion to ecommerce fraud in 2024, and ineffective identity verification remains one of the biggest vulnerabilities they must address entering 2026. Fraudsters are evolving faster than many retail systems can react; meanwhile, customers expect verification to be both seamless and secure. While ecommerce leaders are taking on more advanced fraud […]
5 min read
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  1. Data & Insights

Shoppers Behaved Differently This Black Friday—Here’s How

This year’s Black Friday didn’t just break records—it reshaped how shoppers behave. In this week’s newsletter, we’re looking at two major shifts: the explosive rise of live-shopping apps and the record-setting surge in Buy Now, Pay Later spending. And on top of that, we’re releasing our own Trakwell Black Friday analysis, breaking down exactly how […]
3 min read
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  1. Technology & Innovation

The Stampede to Value, Macy’s Turnaround Traction, and Moody’s Chief Economist Mark Zandi on the K-Shaped Economy

We welcome Moody’s Mark Zandi, Moody’s Chief Economist and one of the most influential and trusted macroeconomic voices shaping markets, policy, and business strategy worldwide. Zandi begins by explaining how today’s consumer landscape is defined by a widening K-shaped economy—an income and wealth split decades in the making and now intensified by rising asset values and […]
3 min read
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  1. Technology & Innovation

Walmart’s Stablecoin Gambit: Reinventing Payments at Scale

Walmart, long a bellwether for retail disruption and ambitious in its experiments with technology, is reportedly exploring the issuance of a dollar pegged stablecoin, potentially signaling a major shakeup in how consumers transact. (coindesk.com) Why the move makes sense At the heart of the proposal is a simple but compelling financial rationale: transaction costs. Credit […]
3 min read
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  1. Data & Insights

Cyber Week Recap: Online Sales Climb 5%, In-Store Shopper Visits Increase 3%

While Black Friday was once known as the day for in-person shopping (complete with lining up at 4 a.m. and elbowing your way through frenzied crowds), it’s become much more of an online affair, part of the larger “Cyber Week” period spanning Thanksgiving through Cyber Monday. The dominance of ecommerce is evident in this year’s […]
5 min read
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  1. Technology & Innovation

Arsenal Football Club inks payments partner deal with buy now pay later specialist Zilch

Zilch has announced a multi-year global agreement with Premier League giants Arsenal. Financial terms of the tie up have not been disclosed. The buy now pay later firm’s first foray into sports, this spans both men’s and women’s teams, and will make available its range of payment options to Arsenal supporters. The agreement will also […]
3 min read
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  1. Data & Insights

The Hidden Forces Shaping Black Friday 2025

Black Friday is nearly here, and if there’s one thing our year-over-year data keeps proving, it’s this: more traffic doesn’t automatically mean more sales. That’s the core idea behind this week’s blog—retailers love busy stores, but most actually perform worse when volume spikes. Conversion drops, ticket size slides, and the floor gets chaotic fast. In […]
3 min read
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  1. Technology & Innovation

Buy now pay later specialist Zilch raises $176.7 million as it ramps up agentic commerce focus

Zilch (a FinTech firm that launched in 2020) has raised $176.7 million in debt and equity. Led by KKCG, the round includes participation from BNF Capital, and several other investors. It also includes the expansion of its securitisation led by Deutsche Bank. This follows the recent launch of Intelligent Commerce, an AI powered platform that […]
3 min read
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  1. Shopper & Customer

How consumers will get through the holidays

​[[“value”:” Tariff and inflation jitters have colored U.S. consumers’ outlook for much of the year, and now the holiday shopping season is commencing with a sense of instability across income levels. This year, optimism about the economy took a turn for the worse, and recently even dipped among higher-income consumers, according to William Blair analysts […]
3 min read
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  1. Data & Insights

3Q25 Financial Services PM Chartbook

Access the 3Q25 Financial Services PM Chartbook A concise yet comprehensive resource featuring over 20+ slides of charts, tables, and insights on key trends and performance drivers across our Financial Services tickers. This streamlined resource provides a quick, high-level read while capturing the essential data and bigger-picture insights you need. Inside the Chartbook: Consumer Credit: […]
< 1 min read
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  1. Shopper & Customer

How Payment Data is Shaping the Future of Retail

Retailers have endured something of a rollercoaster ride over the last few years, but the good news is that, even as continuing price rises eat into available spending power, consumer spending remains robust. The question now is: how can retailers make the most of consumer resilience? According to the Lloyds Bank Business Barometer, released in […]
4 min read
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  1. Technology & Innovation

Adobe Forecasts Fall Prime Day Spend will Grow 6.2% to $9 Billion

Like its summer predecessor, the fall version of Prime Day — Prime Big Deals Days, taking place Oct. 7-8 — has become a major sales opportunity for more than just Amazon. Multiple competitors, including giants such as Walmart, Target and Best Buy, run their own deal days the same week as they seek to take […]
2 min read
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  1. Corporate Finance

Small businesses ‘need to keep up’ with rise of mobile payments

New figures from UK Finance show that over half of UK adults now use mobile wallets to pay, and that Buy Now Pay Later (BNPL) is rising sharply across all age groups. According to the data, some 78% of 16 to 24-year-olds regularly used mobile… This story continues at Small businesses ‘need to keep up’ […]
< 1 min read
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  1. Trends & External Forces

Your Views:  Tariff Impacts

On the subject of the impact of tariffs on the industry, and the degree to which higher grocery prices are stressing out a large percentage of shoppers, one MNB reader wrote: We’re going to see some grocers yoyo pricing as they try to keep up with what they’re paying for inventory from week to week. […]
5 min read
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  1. Holiday & Events

Shoppers to go into credit card debt, use BNPL to afford the holidays

​[[{“value”:” Dive Brief U.S. consumers aren’t shifting away from spending, but they are strategically approaching how to afford purchases, according to a new report. Published July 29, 2025 By Tatiana Walk-Morris Americans are prioritizing gift giving this upcoming holiday season no matter the impact to their wallets, according to a report. Anchiy via Getty Images […]
< 1 min read
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  1. Data & Insights

2Q25 Financial Services PM Chartbook

Access the 2Q25 Financial Services PM Chartbook A concise yet comprehensive resource featuring over 20+ slides of charts, tables, and insights on key trends and performance drivers across our Financial Services tickers. This streamlined resource provides a quick, high-level read while capturing the essential data and bigger-picture insights you need. Inside the Chartbook: Payments: Key […]
< 1 min read
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  1. Technology & Innovation

Including AllSaints, Dollar General, and Pandora: last week’s biggest retail technology plays at a glance

RTIH rounds up the stand out retail systems deals, launches, deployments and pilots from the past seven days. Including Uber Eats, Asos, Gymshark, THG, Bolt, Klarna, Bang & Olufsen, Costa Coffee, NewStore, and Living Map. Lima Airport Following the launch of interactive map provider Living Map’s digital wayfinding technology in Terminal 1, Lima Airport has […]
5 min read
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  1. Department: Consumer Durables

Authentic to Roll Out Instant Cash Refunds Across Brand Portfolio

Authentic Brands Group (Authentic) has partnered with Reshop to provide shoppers with instant cash (not store credit) refunds on returned items across its brands. A phased rollout of the service will start with Reebok, Champion, Vince Camuto and Juicy, to be followed by additional Authentic brands including DC Shoes, Roxy, RVCA and Volcom. Reshop debuted […]
2 min read
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  1. Shopper & Customer

The next generation of checkout: Why retailers must evolve

​[[{“value”:” The retail landscape has entered a pivotal era where seamless, flexible checkout experiences aren’t just appreciated by customers; they’re expected. As digital behaviors accelerate and competition intensifies, merchants must rethink how they engage consumers at the most critical moment of the shopping journey: the checkout. Recent findings from Cash App Afterpay’s Why Credit Cards […]
3 min read
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5 Things NOT to Do When Pitching to a Retail Buyer (and What to Do Instead)

Pitching your product to a retail buyer can be one of the most exciting—and nerve-racking—moments for any product manufacturer. The stakes are high, competition is fierce, and buyers are constantly evaluating which brands deserve a spot on their shelves. Landing a retail deal can mean massive brand exposure, increased credibility, and a major jump in […]
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July E-Grocery Sales Up 21.5 Percent YOY

The July Brick Meets Click Grocery Shopping Survey is out, showing that total e-grocery sales were up 21.5 percent, primarily driven by continued growth – almost 15 percent – in average order frequency. A critical note from the report:   “Where there is growth in overall grocery spending, it comes from online sales. In contrast […]
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  1. Channel: Grocery
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Kroger acquiring Giant Eagle in $1.65B deal

Kroger Co. is acquiring Giant Eagle, a family-owned food and pharmacy retailer, for a purchase price of $1.65 billion. Giant Eagle has approximately $9 billion in annual sales and 197 supermarkets and 11 standalone pharmacies across northern Ohio, western Pennsylvania, West Virginia, Maryland and Indiana, according to a press release. The purchase is comprised of […]
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