{"id":20378,"date":"2022-04-22T14:41:13","date_gmt":"2022-04-22T12:41:13","guid":{"rendered":"https:\/\/www.galitt.com\/?p=20378"},"modified":"2022-04-26T14:37:25","modified_gmt":"2022-04-26T12:37:25","slug":"bnpl-buy-now-pay-later-consumer-financing-revolution","status":"publish","type":"post","link":"https:\/\/www.galitt.com\/en\/bnpl-buy-now-pay-later-consumer-financing-revolution\/","title":{"rendered":"BNPL : Buy Now, Pay Later \u2014 Consumer financing revolution"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_post_title meta=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;57px&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Buy Now, Pay Later (BNPL) services are a trend that is here to stay. Fintechs, big tech and merchants are forming new alliances to produce attractive and popular financing options that revolve around BNPL. Can you afford to ignore them? How will this affect credit card companies and international payment schemes? And how is BNPL different from instalments, POS lending or credit cards? <\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.openwaygroup.com\/buy-now-pay-later-case-study\/?utm_source=galitt&#038;utm_medium=web&#038;utm_campaign=bnpl-report-2021&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;Read the report&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;ffff&#8221; button_bg_color=&#8221;#95c11f&#8221; button_border_color=&#8221;rgba(0,0,0,0)&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][et_pb_image src=&#8221;https:\/\/www.galitt.com\/wp-content\/uploads\/2022\/04\/BNPL_OpenWay.jpg&#8221; alt=&#8221;Younited chiffres&#8221; title_text=&#8221;BNPL_OpenWay&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Consider the impact BNPL has had on the payments market already:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #1d1d1b;\">Buy Now, Pay Later (BNPL) services are growing at a rate of 39% per year and expected to exceed $260 billion by 2025.<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Klarna, the BNPL unicorn, is now the most valuable EU fintech with a $45,6 billion valuation.<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Affirm has showed figures that indicate that adding its BNPL option raises conversions in merchants by 20%.<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Different reports show that consumers who use BNPL spend more, from 10-40% more than they would with a credit card. One study showed that 35% more customers would make a purchase if they were offered interest-free instalments.<\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\"><\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; custom_padding=&#8221;||21px|||&#8221;]<\/p>\n<p><span style=\"color: #95c11f;\"><strong>Is there a place in <\/strong><strong>the BNPL world<\/strong><strong> for your company? <\/strong><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">There could be, if you are a fintech, neobank, retailer or financer, a card issuer or merchant acquirer processor.\u00a0 OpenWay, a global leader in digital banking and payments software, has prepared a comprehensive guide on BNPL. We will examine what BNPL is and what it is not, and look at successful BNPL partnerships such as Afterpay and Square, Apple and Goldman Sachs, Amazon and Affirm, and more. We will explore programs launched by fintechs with fintechs, big tech companies with big banks, large retailers with fintechs, international payment schemes with banks, and how this work.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; custom_padding=&#8221;||21px|||&#8221;]<\/p>\n<p><span style=\"color: #95c11f;\"><strong>What s<\/strong><strong>trategies and technologies <\/strong><strong>are behind a<\/strong><strong> successful <\/strong><strong>BNPL solution?<\/strong><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">No matter what partnership a company chooses, the solution with the best customer experience will win out in the end. Since the <strong><a href=\"https:\/\/www.galitt.com\/2021\/11\/23\/tendance-buy-now-pay-later\/\">BNPL experience<\/a><\/strong> is digital and data-driven, essential to its success is the technological ability to understand what a customer\u2019s favorite way to pay is in different contexts \u2013 and provide it at the right time during the shopping experience. Options are many: pay in instalments, pay in full after 14 days, convert the transaction to instalments after the purchase is completed. There is also the freedom to return an item purchased via BNPL with recalculated interest. This level of personalization and flexibility keeps convenience high for customers. Of course, this places greater demands on the provider\u2019s digital payment platform, which needs to support merchants with quick item payment, delivery, return and reimbursement. Additionally, the platform needs good integration with third parties \u2013 essential if your BNPL solution will become the center of a flexible lifestyle app.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; custom_padding=&#8221;||21px|||&#8221;]<\/p>\n<p><span style=\"color: #95c11f;\"><strong>What kind of BNPL solution could be most attractive to your merchant partners and cardholders?<\/strong><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||20px||false|false&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p><span style=\"color: #1d1d1b;\">Flexible financing options can be offered at any point in the customer experience. Some examples:<\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\">Pre-approved loans for a purchase<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">BNPL instalments option at point-of-sale<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Conversion to instalments after purchase was made<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Conversion of a single selected transaction among others<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Ability to bundle different transactions together as one instalment<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Unsecured loans<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">SME financing<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\">OpenWay has a long and proven history of helping issuers, acquirers and digital wallet companies increase their revenue via customer-facing credit products and finance solutions. The Way4 digital payment platform enables a variety of BNPL schemes to be realized before, during or after purchase. Read this report to learn what market opportunities and partnerships may be within reach as your organization plans its own BNPL success story!<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.openwaygroup.com\/buy-now-pay-later-case-study\/?utm_source=galitt&#038;utm_medium=web&#038;utm_campaign=bnpl-report-2021&#8243; url_new_window=&#8221;on&#8221; button_text=&#8221;Read the report&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;ffff&#8221; button_bg_color=&#8221;#95c11f&#8221; button_border_color=&#8221;rgba(0,0,0,0)&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #ef7d00;\"><strong><span>About OpenWay :<\/span><\/strong><\/span><\/p>\n<p><span style=\"color: #1d1d1b;\">OpenWay Group is the developer of Way4, a digital banking and payment software platform. It covers every aspect of the payments business \u2014 account management, card issuing, merchant acquiring, transaction switching, digital wallets, tokenization, and fleet cards. Headquartered in Belgium, OpenWay has office locations around the globe and serves clients in 83 countries.<\/span><\/p>\n<p><span style=\"color: #1d1d1b;\">OpenWay holds a #1 global ranking in software solutions for Payment Processing Platforms by Aite, also by Gartner and Omdia. It was ranked &#8220;Market Leader in Digital Wallets&#8221; by Omdia and awarded as &#8220;Best Payment Software Solution Provider in the Cloud&#8221; by PayTech.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; use_manual_excerpt=&#8221;off&#8221; excerpt_length=&#8221;0&#8243; show_author=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_excerpt=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||||false|false&#8221; border_width_all=&#8221;0px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;14px&#8221; box_shadow_spread=&#8221;-5px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; locked=&#8221;off&#8221;][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_post_title meta=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;57px&#8221; custom_margin=&#8221;50px||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;] Buy Now, Pay Later (BNPL) services are a trend that is here to stay. Fintechs, big tech and merchants are forming new alliances to produce attractive and popular financing options that revolve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[148],"tags":[],"class_list":["post-20378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pro-eng"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BNPL : Buy Now, Pay Later \u2014 Consumer financing revolution<\/title>\n<meta name=\"description\" content=\"Les services de BNPL sont une nouvelle fa\u00e7on de financer les achats des consommateurs rapidement et simplement - 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