Buy now, pay later is one of the most accessible financial tools available to American consumers today. It requires no minimum credit score for standard products, typically involves a soft credit pull that doesn’t affect a consumer’s credit score, takes seconds to apply for at...
Financing as a mechanism to close a transaction, but newer evidence suggests installments may be influencing whether the transaction happens at all. In PYMNTS Intelligence’s “Financing the Decision: How BNPL and Installments Reshape Merchant Choice,” 2,763 U.S. consumers provided insight into how the availability of...
The buy now, pay later (BNPL) disruption story may have been misunderstood from the beginning. Findings in the latest edition of The Pay Later Ecosystem report by PYMNTS Intelligence reveal that credit card issuers have already absorbed much of the competitive impact of pay later...
Europe-focused payments services company Worldline has launched a partnership with flexible payments provider Klarna. The collaboration is designed to boost access to Klarna’s payment options at online and in-store points of sale serviced by Worldline, the companies said in a Tuesday (May 19) news release. “Worldline will integrate...
Generation Z now holds the lowest average credit score of any generation, 676 according to FICO, down three points in one year. That number dropped further after student loan delinquency reporting resumed in February 2025, with 14.1% of Gen Z borrowers seeing their scores fall...
As buy now, pay later (BNPL) firms compete to move beyond checkout financing, Affirm used its investor forum Tuesday (May 12) to argue that growth and share of spend across consumer payments will be cemented through data, underwriting and network scale rather than promotional lending...
Affirm’s pay-over-time options will be integrated into the Gemini app and Google Search, including AI Mode, through Google Pay in the coming weeks. The companies are working together on the integration and will make the payment options available to people and artificial intelligence agents, according...
Google Pay users shopping in Google’s Gemini app or Google Search, including AI Mode, will be able to access Klarna’s flexible payment options. When this integration is completed, Google Pay users in the United States will see a Klarna button at checkout and will be...
Affirm’s latest quarter earnings call landed at a revealing moment for consumer finance. The company plays at the intersection of two of the most important and most uncertain areas of the economy: consumer credit and private credit. Its buy now, pay later (BNPL) model depends...