The CFPB’s decision to dial down enforcement of BNPL and other nonbank credit products hasn’t created a vacuum. It has invited fifty competing rulebooks to take its place.
Credit limits have traditionally been treated as a mechanical feature of card programs: a numeric ceiling determined by algorithms, credit scores and internal risk thresholds. But new findings from the report, “Credit Limits: Understanding Requests, Denials and the Consumer Experience,” a PYMNTS Intelligence and Elan Credit Card collaboration,...
Buy now, pay later (BNPL) options have become deeply embedded in the financial lives of consumers in the United States, influencing everything from daily grocery runs to major appliance purchases. The PYMNTS Intelligence report “Decoding BNPL Users: Necessity, Convenience and Risk Signals” examines the evolving...
FICO will launch its first credit scores that incorporate buy now, pay later (BNPL) data in the fall. FICO Score 10 BNPL and FICO Score 10 T BNPL will initially be offered alongside existing versions of the FICO Score, with no additional fee from FICO,...
December 30, 2025
Credit limits have traditionally been treated as a mechanical feature of card programs: a numeric ceiling determined by algorithms, credit scores and internal risk thresholds. But new findings from the report, “Credit Limits: Understanding Requests, Denials and the Consumer Experience,” a PYMNTS Intelligence and Elan Credit Card collaboration, suggests that for consumers, credit limits function as something far […]
July 25, 2025
Buy now, pay later (BNPL) options have become deeply embedded in the financial lives of consumers in the United States, influencing everything from daily grocery runs to major appliance purchases....
June 16, 2025
The link between feeling good and playing good isn’t just tied to sports. It can hold sway in the business landscape, too. How a business feels and its sense of...
June 12, 2025
The traditional credit supply chain is showing signs of strain, leaving millions of consumers seeking alternatives to conventional banking products and opening new avenues for technologically driven lenders. Mainstream banks...
June 23, 2025
FICO will launch its first credit scores that incorporate buy now, pay later (BNPL) data in the fall. FICO Score 10 BNPL and FICO Score 10 T BNPL will initially be offered alongside existing versions of the FICO Score, with no additional fee from FICO, so lenders can evaluate them while continuing to use the […]
June 12, 2025
Citigroup and Carlyle Group have reportedly joined forces to fund FinTech companies. As Bloomberg News reported Thursday (June 12), the companies have signed an agreement that lets them jointly invest...
May 22, 2025
Consumer lending platform Pagaya is reportedly pushing into the pay later market. The company is about to issue $300 million in bonds that will be used to fund buy now,...
April 09, 2025
Affirm and Shopify have expanded their pay-later offering beyond U.S. borders. The companies announced Wednesday (April 9) that Shopify merchants in Canada who have signed up for early access can...
