How BNPL is transforming consumer lending
Download our report to learn:
- What’s behind the success of buy now, pay later.
- Why it's worth betting on BNPL.
- The possible future scenarios for this financing option.
- Potential challenges BNPL solutions may face.

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The meteoric rise of buy now, pay later
Buy now, pay later providers are thriving. More than 170 companies have now entered the BNPL market (data as of October 2021), with new solutions emerging every month.
By 2025, the number of active users of BNPL will cross 76 million in the US. The global BNPL is expected to exceed $258 billion.
+170
Number of BNPL providers worldwide.$258 billion
Expected value of global BNPL market by 2025.$45.6 billion
Valuation of Klarna – a key BNPL player.76+ million
Forecasted number of BNPL users in the US only by 2025.
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If buy now, pay later apps can establish long-term relationships with users, they could replace credit cards among Gen Z and Millennials.
Pawel Stezycki
Senior Innovation Consultant at Netguru
What’s behind the success of buy now, pay later?
Successful client-facing digital products need to combine three areas: great user experience, a robust business model, and smart technology. BNPL has managed to connect all these areas.
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Simplicity of BNPL. The whole experience of using BNPL is seamless and straightforward.
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Tailored for ecommerce. Initially, BNPL solutions were made for e-commerce – allowing customers to try before paying.
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Minimal friction. Interaction between a provider and a user to get onboard is minimal.
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Flexibility of payments. BNPL can be free of charge or low cost for users.
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Alternative business model. Merchants pay most of the costs which are “hidden” for users.
Here's what you need to know about buy now, pay later
Expert insights on the evolution and future of the BNPL market
Download the report to learn how buy now, pay later has changed the consumer lending landscape and shifted online shopping habits. Find out what strategies both new entrants and established players can adopt to meet the challenges ahead.

