We'd Love to Hear from You!
  • Resources
  • Whitepapers
  • Buy Now, Pay Later: An Evolving Regulatory Landscape

Buy Now, Pay Later: An Evolving Regulatory Landscape

AI

The latest buzzword in fintech, which is increasingly catching regulators’ attention worldwide, is enticingly named Buy Now, Pay Later (BNPL). Short-term financing, BNPL enables consumers to make purchases and pay for them in installments at future dates, often interest-free. For providers, increased regulation is expected to result in a rise in compliance costs. Will it lead to increased consolidation or something entirely unexpected as the sector continues to evolve?

Key Takeways

  • BNPL is highly popular among younger consumers, i.e., millennials and Gen Z, as they welcome the ability to delay payment for goods and access various financing options. 
  • Given the similarities between BNPL and products like credit cards, a long-standing debate over BNPL regulation is whether it should be considered and regulated as consumer credit. 
  • However, the general direction of BNPL regulations worldwide is toward increased oversight, intervention, better customer protection, and the tightening of credit assessment requirements.
post-image

Download Whitepaper


Related Ins(AI)ghts

Related Tags

AIDataPaymentsResearch ServicesTech

About SG Analytics

SG Analytics (SGA) is a leading global data and AI consulting firm delivering solutions across AI, Data, Technology, and Research. With deep expertise in BFSI, Capital Markets, TMT (Technology, Media & Telecom), and other emerging industries, SGA empowers clients with Ins(AI)ghts for Business Success through data-driven transformation.


A Great Place to Work® certified company, SGA has a team of over 1,600 professionals across the U.S.A, U.K, Switzerland, Poland, and India. Recognized by Gartner, Everest Group, ISG, and featured in the Deloitte Technology Fast 50 India 2024 and Financial Times & Statista APAC 2025 High Growth Companies, SGA delivers lasting impact at the intersection of data and innovation.

Driving

AI-Led Transformation

Contact Us