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Pay Later’s Next Chapter: Why Credit Unions Are Rethinking Installment Payments

The Credit Reset: How Unified Platforms Are Replacing Legacy Lending Infrastructure

One Year In: What The Pay Later Data Actually Reveals

Who Is the Subprime Consumer? - May 2026
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Cover image for the PYMNTS Intelligence Report, Who is the Subprime Consumer? PYMNTS Intelligence finds 44 million subprime consumers are reshaping credit, BNPL and healthcare financing. Consumer Insights
Who Is the Subprime Consumer?
Credit Unions
22% BNPL Growth Gives Credit Unions a Member Loyalty Opening
Earnings
Marqeta’s Debit Roots Give Way to Credit and BNPL Push
BNPL
49% of Gen Z Say BNPL Shapes Where They Book Travel
Credit Unions
38% of Credit Union Members Want BNPL From Their FI
Credit Unions
Velera Wants Consumers to Turn to Credit Unions for BNPL
Payment Methods
Why Gen Z Uses BNPL and Installments Differently
Loyalty & Rewards
Flex Credentials Give Retail Rewards a Second Act
Payment Methods
Splitit Launches Card Installments for In-Person Transactions
Buy Now Pay Later
56% of Gen Z Struggle to Track When Installment Payments Are Due
Payment Methods
Klarna’s Card User Base Reaches 5 Million Mark
Personnel
Klarna Sees 4 Senior Staff Departures Since January
Consumer Finance
The Future of Credit Is Clashing With Its Past

PYMNTS DATA


Defending the Member: How Credit Unions Are Responding to a New Fraud Landscape

Real-Time Payments World Map - May 2026

Digital Identity Verification Framework - May 2026

Real-Time Readiness - May 2026