Mensuel de novembre 2021 - Informatique financière

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BNPL – buy now, pay later: How consumer credit is evolving in the 21st century
By Arnd HEßELER, Filippo PIVA and Davide BROCCHI, zeb consulting*   BNPL (buy now, pay later) refers to a form of payment on credit that allows you to obtain a good by paying for it in a series of installments, or simply at a future date (deferment), in most cases interest-free, therefore at no additional cost to the buyer. “Buy now, pay later” (BNPL) services have emerged in recent years as one of the payment methods best suited to meet the needs of millennials, who are increasingly wary of traditional credits.   How did BNPL emerge?   Deferred payment is a useful solution for consumers, especially in times of substantial financial uncertainty such as the current COVID-19 pandemic. It is no coincidence that in...
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