Podcasts about bnpl

Brittany keeps looking at a new couch online, and every time she goes to buy it she sees an option to "Buy Now, Pay Later," which made her wonder...should she? Here's what she found:Buy Now, Pay Later (BNPL) loans have become one of the go-to ways to get access to credit fast. Companies like Klarna, Affirm, and Afterpay make buying big purchases relatively easy by allowing people to pay in installments over time. But some Americans have taken to using this method for everyday items like groceries, and when BNPL service providers like Klarna partners with DoorDash so customers can "eat now, pay later"... it feels like a debt trap waiting to happen. And that's just scratching the surface.This... is Money Troubles.And for the past few weeks we've been looking into the ways everyday people are trying to make ends meet... and what it says about how our culture views labor, basic needs, or even our favorite pastimes.In this final episode, NPR Life Kit's Andee Tagle and author Malcolm Harris join Brittany to get into why Buy Now, Pay Later has become so popular and how 'cheap credit' may be another lifestyle subsidy for a new generation.You can hear more of Andee's and Life Kit's reporting on Buy Now, Pay Later here.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

This week's podcast kicks off with senior reporters Gabriela Barkho and Melissa Daniels discussing Klarna's latest earnings, which showed that a growing number of the BNPL service's users defaulting on their loans. In other news, Dockers and The Vitamin Shoppe were both acquired by respective companies. Levi Strauss announced the sale of khakis maker Dockers to Authentic Brands Group for $311 million. The Vitamin Shoppe was bought out by Kingswood Capital Management and Performance Investment Partners for an undisclosed amount. Both sales are examples of struggling retailers trying to find their footing with modern customers. Later in the episode (22:18), Daniels speaks with Liran Golan, the chief supply chain officer at Bansk Beauty that holds hair care brands Amika, Eva NYC and Ethique. They discuss how tariff policy changes can impact brands beyond the duties themselves, with a ripple effect on how brands make, manage and move their product.

What does it really take to grow from an individual agent into a full-blown ISO? This week, James Shepherd sits down with industry veteran Gus Torres to hear his journey—from working the streets to running his own ISO. Gus shares practical insights, mindset tips, and how his partnership with Netevia helped scale his operation. Then, stick around for the Today in Payments segment, where James and Patti Murphy break down the latest updates on the Credit Card Competition Act, BNPL regulations in the UK, and more industry headlines.

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

We're taking some time to highlight some of our best Gymsplain Episodes, like this one discussing the pros and cons of buy now, pay later or pay in four options popular on most websites! On this episode of Financially Naked: Stories from The Financial Gym, we'll be taking a closer look at Buy Now, Pay Later (BNPL) payment options. In the convenience and instant gratification age, these payment options have become more popular. BNPL options allow consumers to purchase products and services instantly while spreading out the payments over time. On the surface, they seem like a great option, but as with any financial tool, the pros and cons must be considered.  To have this conversation, two of our Certified Financial Trainers, Hector Lopez and Kylie Lipinksi, are here to explore how these apps work, their benefits, and the potential downsides you'll want to consider before using BNPL apps. Analyzing all aspects of these tools is crucial to make informed decisions about our financial well-being.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredChris sounds the alarm on the growing chaos in the “Buy Now, Pay Later” economy, spotlighting Klarna's massive losses as a symptom of deeper financial rot. With defaults surging and Americans using BNPL for everything from Gucci to groceries, Chris breaks down why this non-recourse lending model is destined to implode—and how once the bankruptcy racket really kicks in, companies like Klarna don't stand a chance. From Swedish fintech to U.S. consumer debt, this episode exposes the fantasy economics behind delayed payments and empty wallets. www.watchdogonwallstreet.com

Matt Schulz says 1 in 4 "BNPL" users are using the loan to buy groceries. He dives into data about why people turn to buy-now, pay-later rather than traditional credit cards. Year-to-date, Matt adds "it's not unusual for credit card debt to fall off in 1Q, as people pay off their holiday spend" but he does say that fall off in auto payment debt was unusual. Matt cautions investors about the rise in student loan delinquencies which he believes could lead to "all delinquencies" rising by year-end.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

The second in our series of the c-suite podcast that we're producing in partnership with payabl. and their ‘Pay It Forward' podcast, where we aim to shine the spotlight on the ever-changing world of payments with insights from merchants and leading industry experts. In this episode we focus on Alternative Payment Methods (APMs), which cover everything beyond traditional credit and debit cards, whether that's digital wallets, BNPL, crypto, open banking payments and much more. Joining Graham Barrett online to discuss the current APM landscape and what further developments might be on the horizon were Matteo Gamba, Head of Product, Global Payments and Fraud at Wayfair, Sophia Furber, FinTech Research Analyst, EMEA at S&P Global, and Alexander Burkhard, Third Party Acquirers Relationship and Implementation Management Lead, European Payments Initiative (EPI).

Nordic Fintech Highlights is back with Pål, Ville & JanneHold onto your wallets — it's another round of Fintech Daydreaming's Nordic Fintech Highlights! This month, the crew dives into:

Tightened wallets for American consumers isn't stopping Affirm (AFRM) from rallying ahead of its earnings after markets close. LikeFolio's Landon Swan warns of weakness in the report, though his firm's data shows interest for Affirm growing compared to competitors. He weighs how far BNPL's "extension of the credit card concept" can run.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news the US Fed looks more trapped in policy choices than it has for a long time.But first up today, a US-UK trade deal was announced to great fanfare. But in fact it isn't much. Rather it is a small set of carve-outs from the previous base case: Car tariffs on British-made cars would come in at 10% rather than 27.5%, steel tariffs would go to zero and the threat of future pharmaceutical tariffs would recede. The overall headline US tariff of 10% seems to still be in place; the UK has offered more market access to the US and a Boeing airplane order. But the US did not get changes on food standards or the UK's digital services taxation. The whole thing is very underwhelming. All headlines, no substance.But the equity markets liked it, even if the bond markets didn't. The USD rose on the news. Perhaps the equity markets also see progress coming in tomorrow's Swiss meeting between China and US representatives?Meanwhile, US jobless claims fell last week and by a bit more than seasonal factors would have assumed, coming in right at the level expected by analysts. There are now 1.846 mln people on these benefits, whereas a year ago there were 1.743 mln on them, a +5.9% rise.American labour productivity fell -0.8 in the March 2025 quarter as output decreased -0.3% and hours worked increased +0.6%. It is their first decrease in productivity since the volatile pandemic years, and prior to that, the first Trump presidency.March wholesale inventories rose marginally (+0.4%) but so did sales in the pre-tariff rush, so the inventory-to-sales balance was little-changed and not exhibiting any stress.Also not changing much were American inflation expectations in April, which isn't as sanguine as it sounds because they came in at the same elevated 3.6% level they jumped to in March. However, households' perceptions about their current financial situations deteriorated, with the share of consumers reporting that they are somewhat or much worse off compared to one year ago increasing. Similarly, households' expectations about their future financial situations deteriorated, with the share of those believing they will be somewhat or much worse off a year from now also rising.In Malaysia, their central bank held its policy rate at 3% overnight, as was expected. They have low inflation, 1.4%, and a good +4.4% economic expansion but one that is fading. And they are vulnerable to the tariff war. In the meantime, Malaysian industrial production is still expanding at a healthy clip.In Europe, German industrial production is on the come-back up +3.0% in March from February, and for the first time since May 2023, hardly lower than year-ago levels. Of course, this is data that predates the onset of the US tariff war.In England, their central bank cut its policy rate by -25 bps to 4.25%, also as expected. But two of their nine members voted for no change. It is their fourth rate cut since August 2023, when their rate reached 5.25% in the previous cycle. They currently have a 2.6% inflation rate, slowly easing, and a +1.4% economic expansion rate.With the Bank of England following the ECB down, along with Canada, soon Australia, and likely New Zealand, it does point out that the US Fed is now boxed in by US fiscal policy, basically unable to cut rates there because of the immediate inflation risks.In Australia, they changed their laws making it clearer that buy-now-pay-later contracts are covered by their National Credit Code (which is Schedule 1 to their National Credit Act). ASIC has now issued regulatory guidance for the BNPL sector.We should probably note that lithium prices have fallen further, with the bubble well and truly over, and prices back to their pre-bubble 2021 levelsThe reduction impetus is going out of global container freight rate changes, down just -1% last week to be -23% lower than year-ago levels. Bulk cargo rates stopped rising in the past week.The UST 10yr yield is at 4.37%, up +10 bps from this time yesterday.The price of gold will start today at US$3303/oz, and down -US$81 from yesterday.Oil prices are firmer today, up +US$1.50 at just under US$60/bbl in the US and the international Brent price is now just under US$63/bbl.The Kiwi dollar is now at 59.1 USc, down -60 bps from yesterday at this time, down a full -1c from Wednesday. Against the Aussie we are down -20 bps at 92.3 AUc. Against the euro we are unchanged at 52.6 euro cents. That all means our TWI-5 starts today just on 67.6 and down another -20 bps.The bitcoin price starts today at US$101,054 and up +4.6% from yesterday. Volatility over the past 24 hours has been moderate at just under +/- 3.0%.You can find links to the articles mentioned today in our show notes.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again on Monday.

On the show: -Which prominent business owner ticked off U2 -Are we horrible people because we're not willing to give THIS up for our pet? -You're committed before you have a chance to say no -Humanoid robot freaks out in the lab…We know the ending of this movie -Jerk or Justified? Grandpa digs in first before the kids -Kid profiling?! We all do it -BNPL is becoming a big problem with Gen Z so when do you step in? -Where are the people from the burbs? It's not just for city folk

ChatGPT lance sa fonctionnalité Shopping : une révolution pour le e-commerce ? Découvrez aussi les dernières tendances sur les paiements en ligne avec l'étude Worldpay 2025. Dans ce nouvel épisode du Journal du E-Commerce, on analyse deux actualités clés : ChatGPT intègre une fonctionnalité Shopping : comment l'IA transforme l'expérience d'achat ? Paiements numériques, A2A, BNPL : ce que révèle l'étude Worldpay sur le futur des transactions en ligne.

בפרק היומי של "מפת החום – מהדורת אחד ביום", אני עושה סדר בכל מה שקרה ב־24 השעות האחרונות בעולם הכלכלה – מהשוק המקומי ועד הגלובלי.הנושאים של היום:1. סטגפלציה2. התמ"ג שהתפרסם3. דוחות כלכלים שהתפרסמון ביום שישי4. מצב הצרכן האמריקאי - BNPLנתונים מאקרו־כלכליים, דיווחים חשובים, כותרות שזעזעו את השוק, דוחות כספיים של חברות, צעדים רגולטוריים, שינויים במדיניות ותחזיות מפתיעות – כל מה שצריך כדי להבין את התמונה המלאה.זהו פודקאסט קצר, חד ותמציתי – בלי רעש מיותר, רק תובנות פרקטיות וסקירה מקצועית של היום שהיה.הפרק מתעדכן מדי בוקר – ומעניק לכם יתרון אמיתי על שאר המשקיעים.

Bonjour et bienvenue dans la revue de presse hebdo et audio du secteur retail / e-commerce en France proposée par Les Digital Doers en partenariat avec le One to One Expérience Client de Biarritz.

Welcome back to Bank Nerd Corner, featuring yours truly and—plot twist—not Kiah Haslett. Today we're flying without our usual co-pilot, but in her place we've got Jason Henrichs: CEO of Alloy Labs, Breaking Banks host, and longtime Fintech Takes favorite, first time BNC co-host. Jason knows he can't out-nerd Kiah (who among us can?), so instead we're flying full black-box mode: no segments, just rants.  First rant: VCs have no business chasing board seats if they're not ready to govern!  We still don't know what the Synapse board discussed, if anything, as customers lost access to their funds. Then there's Frank, the fintech that sold a fantasy to JPMorgan. The founder's taking the heat (rightfully so), but not a word from the investors who stood to benefit most. Shouldn't they share the blame? How do we build governance into the capital stack…before the next meltdown makes it everyone's problem? Second rant: Financial infrastructure isn't a policy tool, so stop treating it like one!  Credit bureaus are built to assess risk, not engineer outcomes. But during the pandemic, we paused student loan delinquencies, wiped medical debt, and blocked BNPL data to improve scores, which sounds (and is!) very compassionate…but also encouraged lenders to stop trusting the data. It gets worse! The SSA quietly added living immigrants to the Death Master File used to prevent fraud, flagging them as “dead” and freezing them out of the financial system. You want to change immigration law, fine, but weaponizing infrastructure is sabotage! So, how do we restore trust in the rails before we lose it all? Third rant: Everyone cheered deregulation, but no one told the examiners!  Banks are facing some of the harshest exams in years, and it's because the regulators with institutional knowledge are gone. What's left are thinly staffed teams defaulting to “no” because they don't understand “yes.” And fintechs that pursued charters expecting clarity? They're running into delays, confusion, and examiners who just don't understand the model. But for most, the charter hasn't reduced risk…it's just introduced new kinds.  Fourth and final rant: This isn't deregulation; it's deregulation theater!  The CFPB says it won't enforce parts of the payday lending rule…but doesn't repeal it. FHFA reverses housing initiatives by tweet. Executive orders bypass public comment with a shrug: “because I said so.” The result is total ambiguity (good actors stay quiet; bad actors run wild). Uncertainty is the new policy…and it's expensive! Not just for banks and fintechs, but for the trust that holds the whole system together.   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: LinkedIn: https://www.linkedin.com/in/jasonhenrichs/ Twitter: https://x.com/jasonhenrichs Breaking Banks podcast: https://podcasts.apple.com/us/podcast/breaking-banks/id641357669   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Karta kredytowa: co warto o niej wiedzieć przed wiosennymi city-breakami i wakacyjnymi wyjazdami? Jakie funkcje karty kredytowej najlepiej się sprawdzają podczas podróży i płatności za granicą? Jak rozwija się rynek kart kredytowych w Polsce? Jak zmieniają się klienci i ich preferencje? Co czeka karty kredytowe w obliczu pojawienia się na rynku usług odroczonej płatności (czyli BNPL)? O tym w podkaście "Finansowe Sensacje Tygodnia" rozmawiam z Martą Ołdak, doradczynią klienta oraz z Arturem Kaimem, dyrektorem centrum doradczego bankowości detalicznej i biznesowej. Oboje moi goście pracują w BNP Paribas Bank Polska. Rozmawiam z nimi także o edukacyjnej akcji "Szkoła Jazdy z kartą kredytową", która ma przybliżyć młodzieży zasady odpowiedzialnego korzystania z kart kredytowych.

Today on the show we have Miguel Fernandez Larrea, the CEO and Co-founder of Capchase.In this episode, Miguel shares his experience helping B2B vendors recover customer acquisition costs faster and increase deal sizes through flexible payment terms.We then discussed the enterprise sales motion behind Capchase Pay, how Miguel's team drives adoption across sales, finance, and rev ops, and how their CS team is optimizing activation to reach the first five closed deals.Mentioned ResourcesCapchaseChurn FM is sponsored by Vitally, the all-in-one Customer Success Platform.

Fexco, the Irish-based financial services and fintech company, has launched payUnite, its market-leading next-generation global payments orchestration platform, into the airline, retail and hospitality industries. payUnite provides a unified payment platform to enterprise merchants, providing a secure, independent, and frictionless payment experience. With over 35% market share in the cruise industry and trusted by many of the world's leading cruise lines, Fexco's payUnite platform currently processes over $17 billion in transaction volumes annually. It has become a critical payments backbone for cruise operators worldwide. Built to meet the rigorous demands of a $44 billion cruise sector, the platform has proven its robustness, reliability, and adaptability in one of themost complex and high-value verticals in travel. This launch will see Fexco further capitalise on the rapid growth of the global payment orchestration market, which is expected to expand from $1.6 billion in 2025 to $6.52 billion by 2030, with a CAGR of 24.7%. For merchants, payUnite solves the problems of fragmented payment ecosystems and global customer bases with increasing demands for modern, flexible payment experiences. It enables merchants to maintain their independence throughout their payments stack, preventing vendor lock-in and ensuring vendor flexibility through orchestration. For acquirers, payUnite is an ally - reducing risk, unlocking more volume, optimising transaction flows, and delivering higher performance via intelligent routing. Sean Crowe, CEO of Fexco's Financial Services Division, said, "We've built a resilient and intelligent platform that delivers payments for some of the world's most operationally intensive and geographically dispersed merchants. Now, we're taking that proven infrastructure into hospitality, airlines, and retail - verticals where we see massive potential for optimisation, independence, and orchestration-driven growth." In addition, payUnite will deliver to its cruise, airline, retail and hospitality clients the following benefits Alternative Payment Methods including Buy Now Pay Later (BNPL): payUnite comes with pre-integrations to offer BNPL payment options at checkout, driving higher average transaction values while also reducing cart abandonment. For example, one of Fexco's partners, Affirm, has helped travel brands increase average order values by up to 48% and secure customer bookings 45% earlier. Card Tokenisation: payUnite has a card tokenisation engine that delivers a seamless payment experience, reduces customer friction and fully adheres to stringent data protection regulations like PCI DSS. Smart Acquirer Routing: payUnite will improve transaction approval speed and lower transaction costs, accelerating receivables for merchants from acquirers by facilitating risk diversification across acquirers. Omnichannel Payments: payUnite delivers both Online and POS Payments in a unified platform, delivering a seamless customer experience, improved data insights and enhanced security. Reporting and Reconciliation Engine: payUnite will automate processes, reduce errors, streamline operations, improve cash flow management, enhance compliance, and optimise resource use, lowering back-office costs. Value Added Services: Fexco's Dynamic Currency Conversion unlocks additional merchant revenue, fraud management reduces fraud and friction, and chargeback management minimises losses. payUnite builds on Fexco's OpenConnect, simplifying and securing the payment journey. It integrates multiple payment and security technologies for a seamless transaction experience for acquirers, merchants, and customers. See more stories here. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: https://anchor.fm/irish-tech-news If you'd l...

Yesterday our local market closed slightly lower, down 0.04%, with energy and information technology down the most.  On the ASX200 leaderboard, BNPL company ZIP Co (ASX:ZIP) advanced more than 16% after the company reported a 219% year-on-year increase in EBITDA of $46 million. Overnight, US equities closed in the red, with all three major benchmarks down after a significant tech sell- off and tariff concerns. The Dow Jones lost 1.7% or almost 700 points, the S&P500 closed 2.24% lower, while the tech- heavy Nasdaq closed 3.07% lower. What to watch today:The SPI futures are suggesting the Australian market will fall 0.33% at the open this morning, following the heavy sell- off on Wall Street. Keep watch of BHP Group (ASX:BHP) this morning as the mining giant is set to release its third quarter update.And in economic data, today Australia's unemployment rate data for March will be released.  Looking at commodities, Crude oil is trading higher, 2.44% in the green at US$62.82 per barrel, as fresh US sanctions on Chinese importers of Iranian crude, reignited supply concerns. The price of gold reached a record high, trading up 3.25% at US$3,356.67 an ounce, as the increasing unpredictability of the US trade policy and low demand for the US dollar and Treasury securities has left gold as one of the main saf0- haven commodities. And iron ore is steady at US$100.19 a tonne.  Trading Ideas:Bell Potter maintains their Buy rating on Select Harvest (ASX:SHV) after the almond grower delivered a disappointing crop update with an approximate 10% downward revision to FY25 crop expectations. Bell Potter believe it was largely offset by stronger pricing outcomes, which look likely to be a greater benefit into FY26-27. Their 12- month price target remains unchanged at $5.80, and at SHV's current share price of $4.60, this implies 26.1% share price growth in a year.Trading Central have identified a bullish signal in QBE Insurance Group (ASX:QBE) indicating that the stock price may rise from the close of $21.36.

Today, overconsumption has grown pervasively in many of our lives. Or at least the temptation to overconsume. In this time of influencers, shopping hauls, and restocking videos, it's important to remember the effects that overconsumption can have on not only our lives but also the lives of others and, ultimately, the environment. If you're hoping to combat overconsumption habits in your own life, there are ways to recognize and bar yourself against the habit, leading to a more fulfilling and mindful lifestyle.   Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   What is overconsumption? Overconsumption happens when we buy more stuff than we need. If you're perpetually on the internet like I am, you've probably seen restock videos, unboxing videos, shopping hauls, and influencer must-haves. These are items that influencers, who have a large following on social media, often promote as essential or trendy, leading their followers to believe they need these items too. More often than not, these videos showcase extraordinary purchases to show off their collections or entice you to buy the item presented. They're almost always aesthetically pleasing and show off in carefully crafted ways to get viewers to picture themselves owning or using the item.    But this is all part of the vast overconsumption environment we're in.    You may know what I'm talking about, as some signs in your home may point to this phenomenon. An overflowing closet, overstuffed drawers, and piles of things littering the hallway are all examples of what can happen when we overbuy. Recognizing these signs is the first step towards a more mindful and sustainable lifestyle.    Some common signs of overconsumption are buying clothes you'll only wear once, wasting food because of overbuying, upgrading your phone too often, and using too much energy at home.    We're fortunate to live in a time when almost anything we want can be delivered to our doors within a couple of days. The convenience of online selling and delivery apps has given us many wonderful opportunities to live and build the lives we want, but they also give us more reasons to shop and spend.    Not to mention the barrage of advertisements on social apps, streaming services, influencer videos, and targeted emails constantly reminding us of that nifty new gadget, skincare product, or clothing item. Plus, payment options like 'Buy Now, Pay Later' (BNPL) have entered the arena, allowing even more people to purchase items they would otherwise have had to wait for or passed on altogether.    To better identify the effect of overconsumption on society, it's essential to recognize its dangers.    From an Individual perspective, overconsumption can negatively affect our finances due to increased spending on things that we either never use or use once and then discard. Not to mention, if you're one to stockpile, a buildup of items can lead to a cluttered living space, inhibiting our ability to feel at peace or relaxed in our homes.    The dangers of overconsumption affect not only you but also your environment. Overbuying can lead to greater waste and an increase in items sent to landfills. More trash can lead to more pollution, which affects our environment.   What's the best method of avoiding overconsumption? First, be honest with yourself and recognize if you're doing it. Then, pay attention to the signs in and around your home and your spending transactions to check your consumption habits.    It's also good to start being more mindful about why you're buying something in the first place.    You can also try an underconsumption challenge. You may have seen people online touting their own underconsumption journeys also known as “underconsumption core”. These are lifestyle changes where they focus on not buying more things than they'll use or need. Some examples you may see range from people using all existing skincare products before buying anything new, learning how to mend their own clothes instead of tossing used and buying new ones, or trying to make dinner from whatever is available in the fridge rather than running to the store for more ingredients or ordering out. For instance, you could try a 'no-buy month' where you commit to not purchasing any non-essential items for a month. Or, you could challenge yourself to use up all the food in your pantry before buying more groceries. Some of these ideas work as lifestyle habits; others might be fun to try as challenges. Reflect on your situation and determine whether you would benefit from some underconsumption habits to live a more sustainable life.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Joe Heck, CEO of Zip, joins me on the Tearsheet Podcast to discuss the evolution of alternative payment solutions in the US. Zip is a leading Buy Now, Pay Later (BNPL) company. Joe shares lessons from his 20 years of experience in consumer lending and fintech payment solutions. Heck brings insights from his previous leadership roles at Happy Money and TrueStage. Heck's background plays a role in his approach to financial services. Growing up in Flint, Michigan, he understands the challenges of paycheck-to-paycheck living. “There's a consumer base largely ignored by traditional financial systems,” Heck explains. “FICO doesn't serve them well, but they have a great ability to pay.” Zip focuses on providing financial flexibility to these consumers. It offers structured repayment plans that don't push them into revolving debt. According to Heck, “We win when the consumer wins. If they can't pay us back, our model doesn't work either.” The Big Ideas BNPL's Growth Potential in the US – With only 2% of payments currently in BNPL, there is significant room for expansion compared to markets like Europe and Australia. Financial Inclusion for Underserved Consumers – Zip is focusing on consumers who don't fit traditional credit models but have strong repayment potential. “We provide access when and where they need it,” says Heck. Strategic Partnerships Drive Accessibility – Integrations with Stripe and retailers like GameStop are making BNPL more available to consumers. A More Transparent Alternative to Credit Cards – Unlike credit cards that encourage revolving debt, BNPL provides structured, predictable payments. “We're not built in a way that traps consumers in debt,” Heck emphasizes. The Role of Cash Flow Management in BNPL's Future – Zip is investing in tools that help consumers manage unpredictable income streams, ensuring more repayment flexibility.

Rohit Chopra was the Consumer Financial Protection Bureau head until the end of January, when President Donald Trump fired him and Elon Musk's DOGE began trying to dismantle the agency. The CFPB has been pretty popular since it was founded in the wake of the 2008 financial crisis to protect consumers, so shutting it down has kicked off a bunch of controversies — not least of which was whether Trump and Musk even had the power to do it. This all led me to ask several times who made the decision to fire him, who is currently responsible for the various policies of our government, and whether any of those things add up to a clear plan. Some of the most powerful executives in the world answer questions like this on Decoder all the time. But Rohit just didn't know — and that should probably be as worrying as anything. Links:  Trump fires CFPB director Rohit Chopra | Associated Press Trump orders CFPB to stop work, closes building | Associated Press CFPB workers reinstated after court order but still can't work | The Verge Trump admin to appeal order blocking CFPB shutdown | Bloomberg Law A shady tech bootcamp may be sneaking back online | The Verge CFPB won't enforce long-awaited payday lending rule | Bloomberg Law CFPB seeks to vacate redlining settlement, refund lender | Banking Dive CFPB signals it will drop rule regulating BNPL like credit cards | PYMTS CFPB drops fraud lawsuit against banks, Zelle | CNBC Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Ursa Wright.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, and as always, I'm joined by my partner-in-crime, Jason Mikula. Today, we're unpacking Klarna's public debut, the growing rift between Mercury and Evolv, and why getting wrecked might just be the best education in lending First up, the BNPL giant Klarna has finally gone public, filing an F1 as a foreign entity. Now as a public company, we'll get to see their actual numbers. With 93M active consumers, Klarna isn't small, but its path to profitability is still a question mark. The key stat? Transaction margins. Klarna's European banking license gives it an advantage in low-interest rate markets, but as it pushes deeper into the U.S., credit losses are an issue. The big question: can Klarna mature fast enough to bring those losses down? Next, we're diving into the fallout between Mercury and Evolv. Mercury has stopped onboarding customers through Evolv and is actively shifting accounts elsewhere—publicly, at that. Meanwhile, Evolv seems caught off guard for Mercury's departure, with mixed signals on whether this was a surprise or a slow-moving train wreck. So, what really happened? And what does it say about the state of fintech-banking relationships?  And finally, is taking a beating the only way to master lending? We think so. The right order? Start with lending, get punched in the face by risk, and then consider a bank charter. Doing it the other way around? Painful. Avoidable. And yet...it keeps happening. Please stop! Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple.Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Watch on YouTubeTedd Huff & John Gordon, CEO of ValidiFI, explore key shifts in Fintech and focus on Account Validation Technology. The focus is on account validation, fraud detection, and customer risk. With over 25 years in financial services, Gordon shares insights from his work at TransUnion and ValidiFI. He explains how behavioral signals like multiple emails, landlines, or shared accounts—can trigger higher risk. Gordon also breaks down why ACH transactions remain dominant, and how high-risk accounts show 11.5x more return failures. The episode covers challenges with virtual bank accounts, especially from neo banks, and how lenders can better identify stable users.John highlights how linking emails, phone types, and account behavior to reduce fraud and improve onboarding. He shares how AI and alternative data fill gaps left by outdated credit models, especially for BNPL users or consumers without full credit files.He predicts a rise in consumer control over financial data and warns that limited access may hurt repayment assessments. For fintech founders, his advice is clear: look at the full data picture account history, contact info, and usage to make better, faster decisions.Key Highlights

In the latest edition of Omni Talk's Retail Fast Five recorded live from Shoptalk 2025 in Vegas and sponsored by the A&M Consumer and Retail Group, Mirakl, Simbe, Infios and Ocampo Capital Chris Walton and Anne Mezzenga discuss: Klarna & Doordash Bringing BNPL To Meal Delivery For the full episode head here: https://youtu.be/NPi_RSCdcTE

It seems like lately, the odds of a recession are climbing, but it also seems like there's so much more to the 'recession' label than GDP. However, it seems like the private sector has been catching on with new trends on how to produce more 'product' to buoy GDP; particularly with private credit & more BNPL ideas. Now what could possibly go wrong with that.Find us on Twitter, Instagram, & Facebook @DRUNKENOMICALMerch: drunkenomics.myspreadshop.comPatreon: patreon.com/drunkenomicsStay Drunkenomical y'all!

In this episode, Pastor Zach examines Walmart's partnership with Klarna, a "buy now, pay later" (BNPL) lender, and the moral concerns surrounding predatory lending. Pastor Zach argues that BNPL schemes exploit the poor by making unaffordable purchases seem manageable while trapping consumers in long-term debt. Citing Biblical wisdom on financial responsibility, he urges Christians to practice contentment, avoid debt, and reject business models that profit from financial ignorance.Have an article you'd like Pastor Zach to discuss? Email us at wakeup@ccchapel.com!

This Day in Legal History: President Johnson Vetoes Civil Rights Act of 1866On March 27, 1866, President Andrew Johnson vetoed the Civil Rights Act of 1866, an extraordinary move that underscored his deep hostility to racial equality and his resistance to Reconstruction efforts. The bill, which Congress had passed in the wake of the Civil War, aimed to grant full citizenship to formerly enslaved people and guarantee their basic civil rights. Johnson, a Southern Democrat who remained loyal to the Union, used his veto power to block progress for freedmen, claiming the bill infringed on states' rights and unfairly favored Black Americans over whites. His justification was steeped in racism, couching white supremacy in the language of constitutional interpretation.Johnson's veto message argued that Black Americans were not yet qualified for citizenship and that extending such rights would “operate in favor of the colored and against the white race.” He blatantly ignored the atrocities of slavery and the urgent need for federal protections, given the widespread violence and oppression freedmen faced in the South. His opposition wasn't just a political miscalculation—it was a moral failure and a betrayal of the Union victory. Johnson actively emboldened white supremacist groups and Southern legislatures seeking to reassert control through Black Codes and racial terror.Fortunately, Congress overrode his veto—marking the first time in American history that a major piece of legislation was enacted over a presidential veto. This moment laid the groundwork for the 14th Amendment, which enshrined birthright citizenship and equal protection under the law. Johnson's veto, however, remains a stark example of how executive power can be wielded to delay justice and reinforce structural racism.The Consumer Financial Protection Bureau (CFPB) plans to revoke a controversial interpretive rule that applied certain credit card protections to “buy now, pay later” (BNPL) products. This move follows a lawsuit filed by the Financial Technology Association (FTA), which represents major BNPL providers like PayPal, Klarna, Block, and Zip. In a joint court filing, the CFPB and FTA asked a federal judge to pause litigation while the agency works on rolling back the rule.The rule, issued in May 2024, treated BNPL plans like credit cards under the Truth in Lending Act, requiring providers to offer billing statements, handle disputes, and process refunds. It officially took effect in July, but the CFPB allowed a grace period for compliance. The FTA argued the CFPB overstepped its authority by reclassifying pay-in-four products—short-term, no-interest loans—without formal rulemaking or understanding the distinct nature of BNPL.Despite some early industry cooperation and encouragement from the CFPB for other regulators to follow suit, fintech firms claimed the rule created regulatory confusion by misapplying standards meant for revolving credit. House Republicans tried to overturn the rule legislatively last year but failed.The case, Financial Technology Association v. CFPB, remains on hold while the CFPB prepares formal steps to rescind the rule.CFPB Plans to Revoke Buy Now, Pay Later Rule Fintechs Fought (1)A federal judge in Washington, Beryl Howell, denied the Justice Department's attempt to disqualify her from overseeing Perkins Coie v. U.S. Department of Justice, a case challenging a Trump executive order targeting the law firm. The DOJ accused Howell of bias, pointing to remarks she made in public settings that criticized Trump and referenced his ties to Fusion GPS. In their motion, DOJ officials claimed she showed “partiality” and “animus” toward the president, citing her characterization of Trump having a “bee in his bonnet” over past political investigations.Howell sharply rebuked the motion, calling it an “ad hominem” attack intended to undermine judicial integrity rather than engage with the legal merits. She emphasized that the parties would receive fair treatment and dismissed the disqualification effort as an attempt to preemptively discredit an unfavorable outcome.The case stems from a Trump executive order aimed at punishing law firms perceived as politically hostile, including Perkins Coie, by restricting their federal building access and terminating government contracts with their clients. Perkins Coie argued the order caused immediate and severe business harm, including the loss of a long-standing client. Trump has since issued similar orders against other firms, such as Jenner & Block.The DOJ's attempt to remove Howell reflects a broader pattern of politicized efforts to delegitimize judicial rulings unfavorable to Trump. Meanwhile, a prior ethics complaint against Howell, filed by Rep. Elise Stefanik over earlier comments she made about the erosion of truth in public discourse, is still pending.Judge Rejects Trump Bid to Oust Her From Perkins Coie Fight (2)A federal appeals court has refused to pause a lower court ruling requiring the Trump administration to reinstate over 17,000 federal workers fired during a mass purge of probationary employees across six government agencies. The 9th U.S. Circuit Court of Appeals ruled 2-1 that the administration had not shown that the district judge erred in finding the firings were likely unlawful. At issue is the role of the U.S. Office of Personnel Management (OPM), which Judge William Alsup said overstepped its authority by ordering the firings despite lacking the legal power to do so.The affected agencies include the Departments of Defense, Veterans Affairs, Agriculture, Energy, Interior, and Treasury. Some agencies claimed to have fired only a few hundred employees, while others—such as the Treasury and Agriculture Departments—terminated thousands. The fired employees were mostly probationary workers, often with less than two years in their roles, though some had longer federal service.The ruling doesn't prevent agencies from terminating probationary workers entirely, but it criticizes the centralized, OPM-directed method used. The Trump administration said it is working to reinstate the workers, placing them on paid leave for now, and has asked the Supreme Court to intervene.This case parallels another decision out of Maryland, where a judge ordered 25,000 similar reinstatements across 18 agencies, though on different legal grounds. That ruling has also been allowed to stand while under appeal.Appeals court won't pause ruling that forced US to reinstate federal workers | ReutersIn a piece I wrote for Forbes this week, Italy is attempting to tax the illusion of “free” on the internet—and I wrote about why that's a dangerous turn in VAT policy. In this piece, I walk through a recent move by Italian tax authorities to treat signing up for social media accounts as taxable barter transactions. The core claim is that when users hand over their personal data in exchange for access to a platform like Facebook or LinkedIn, a “supply for consideration” has occurred under EU VAT law. That would make the transaction taxable—even though no money changes hands.I argued that while user data undeniably has value, the theory stretches the purpose of VAT well beyond its policy design. VAT is supposed to be a consumption tax on goods and services, not a levy on intangible exchanges of attention or personal information. If this theory holds, Italy wouldn't just be taxing social media—it would be opening the door to taxing nearly every online interaction where data changes hands.I also pointed out that VAT requires a tax base, and valuing user data at the point of account creation is speculative at best. The market value of data depends on aggregation and use over time, not on the individual transaction. Plus, data isn't “consumed” in the way goods or traditional services are—it's copied, repurposed, and monetized indefinitely. That doesn't sit comfortably with the core logic of a consumption tax.Finally, I highlighted how this approach could ripple across the EU, creating regulatory chaos. If a cookie consent or an email sign-up becomes a taxable event, we risk converting the very architecture of the internet into a VAT trap. Italy's frustration with digital tax avoidance is understandable—but this isn't the right solution.​​Italy—Where Creating A Social Media Account May Be A Taxable Event This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In episode 1834, Jack and Miles are joined by comedian, Zahra Noorbakhsh, to discuss… The JFK Files Were Full Of Social Security Numbers, There Were Already Worried About Some ‘Nage With These Dummys, Trump Cabinet Includes The Atlantic’s EIC On Text Thread About Attacking Houthis, Now You Can Get Getting Potentially Life-Ruining Loans To Pay For Fast Food and more! The JFK Files Were Full Of Social Security Numbers The biggest (and most avoidable) mistake in Trump’s release of the JFK assassination files Social Security numbers of living people included in unredacted JFK assassination documents White House Seeks to Contain Damage From Personal Data in Kennedy Files Trump Lawyer Livid as JFK Files Leak His Social Security Number: ‘Absolutely Outrageous Trump Cabinet Includes The Atlantic’s EIC On Text Thread About Attacking Houthis Now You Can Get Getting Potentially Life-Ruining Loans To Pay For Fast Food Buy now, pay later lender Klarna files for U.S. IPO DoorDash Partners with Klarna to Offer US Customers Even More Convenience with Flexible Payments “Buy Now, Pay Later” Companies Are an Unregulated Racket Buy now pay later: Klarna is courting young shoppers with Paris Hilton and TikTok-style algorithms – here’s why it’s a problem LISTEN: Pass the Salt by Joy Crooks feat. Vince Staples WATCH: The Daily Zeitgeist on Youtube! L.A. Wildfire Relief: Displaced Black Families GoFund Me Directory See omnystudio.com/listener for privacy information.

Is DoorDash really letting you finance your burger? Or is social media missing the bigger picture?In this episode, we break down the truth behind the DoorDash and Klarna Buy Now, Pay Later (BNPL) partnership. While headlines scream about people financing fast food, the reality is far more nuanced—and important to understand.You'll learn:o The full scope of DoorDash's services beyond restaurant deliveryo Why this isn't the first time BNPL has been used with DoorDash (hint: it started in Australia)o How Klarna's payment options actually worko The dangers of reactionary finance advice from social mediao Why using BNPL can lead to spending beyond your meansI also share my personal stance on BNPL, the importance of financial discipline, and why critical thinking is your best tool in a world of clickbait outrage.Whether you're new to personal finance or just tired of the noise online, this episode will help you stay grounded, informed, and in control of your money.Subscribe for more practical personal finance insights, myth-busting, and real talk about money.Articles Referenced:o https://about.doordash.com/en-au/news/dash-now-pay-later-doordash-launches-partnership-with-afterpayo https://www.axios.com/2025/03/20/buy-now-pay-later-doordash-klarna-bnplo https://www.cnbc.com/2025/03/20/klarna-lands-buy-now-pay-later-deal-with-doordash-ahead-of-ipo.html**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DoorDash #Klarna #BuyNowPayLater #BNPL #PersonalFinance #MoneyTips #FinancialLiteracy #MoneyMindset #DebtFreeJourney #SmartSpending #BudgetingTips #FinanceMyths #MoneyAdvice #FinancialEducation #AvoidDebt #ConsumerAwareness #FinanceExplained #ViralFinance #DoorDashKlarna #FinanceTruths #MoneyTalks #SpendSmart

Klarna, the Swedish fintech powerhouse, is going public on the NYSE (ticker: KLAR).This marks a major moment for the Buy Now, Pay Later (BNPL) space. This IPO will test whether investors believe BNPL is a smarter alternative to credit cards—or another form of subprime lending in disguise.A few years ago, Klarna was worth $46B in private markets. Now? It's eyeing a $15B-$20B valuation—a stark reminder of how fintech sentiment has shifted in a world of higher interest rates.7 Key Themes:1️⃣ Klarna is going public at a fraction of its peak valuation.2️⃣ AI-driven cost cutting (automated customer service, AI-powered CRM) is improving margins.3️⃣ Klarna's banking license is an advantage, but deposit growth is slowing.4️⃣ The US is now Klarna's largest market, but credit losses there are rising.5️⃣ Klarna is morphing into an advertising & payments platform (ads = 6% of revenue).6️⃣ Internal controls raise red flags (issues with user access, revenue recognition, and credit loss estimates).7️⃣ Insiders & VCs have already cashed out >$800M pre-IPO.Valuation Debate:

In the latest edition of Omni Talk's Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Simbe, Infios and Ocampo Capital Chris Walton and Anne Mezzenga discuss: Walmart going all-in with Klarna as its sole Buy Now, Pay Later provider—ditching Affirm and integrating BNPL into its OnePay FinTech app. Chris and Anne explore why this is more than a simple switch, and how it positions Walmart to become a dominant force in payments. (0:03) – Walmart drops Affirm, partners exclusively with Klarna for BNPL (0:30) – Klarna to underwrite loans, Walmart's OnePay to handle customer experience (1:10) – Walmart's OnePay valued at $2B+ with $200M in annual revenue (1:54) – Why Walmart's customers won't notice a difference—and why that matters (2:26) – Klarna's global reach gives Walmart valuable data and fraud prevention potential (3:06) – Is BNPL becoming the next Visa or Mastercard for retail? (3:24) – Walmart's strategy: Growth through ownership of payment capabilities (4:26) – Signing up is shockingly easy—Chris's experience and $60 in credits (4:42) – Walmart's long game: becoming the “payment conduit for America” (5:08) – Why simplicity and trust in one provider can be more powerful than choice With millions of daily shoppers, Walmart's bet on Klarna and OnePay could reshape how Americans pay. Will other retailers follow suit? For the full episode head here: https://youtu.be/K-LainhQQyY #walmart #klarna #buynowpaylater #retailtech #retailinnovation #retailtech

Ilyce Glink, owner of Think Glink Media and Best Money Moves, joins Lisa Dent to discuss buy now, pay later (BNPL) services. Then, Glink reviews the statement by the head of the Federal Reserve Board concerning the tariffs set to take effect on April 2nd and explains how the price of housing is projected to […]

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute:Nike Projects Steeper Sales Decline Amid Tariffs and Restructuring -- Nike forecasts a sharper-than-expected sales drop for Q4 due to liquidated inventory, new tariffs, and weakening consumer confidence, despite Q3 earnings beating estimates.Edible Arrangements Launches THC Marketplace -- Edible Brands debuts Edibles.com, a low-dose THC e-commerce site, marking its bold entry into the cannabis space, with a flagship store set to open in Atlanta.Klarna Partners with DoorDash Ahead of IPO -- Klarna secures a BNPL deal with DoorDash, offering flexible payment options and expanding its U.S. footprint as it gears up for a high-profile IPO on the NYSE.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

Send us a textSubscribe to AG Dillon Pre-IPO Stock Research at agdillon.com/subscribe;- Wednesday = secondary market valuations, revenue multiples, performance, index fact sheets- Saturdays = pre-IPO news and insights, webinar replays00:00 - Intro00:08 - Wiz Acquired by Google for $32B in All-Cash Deal  01:17 - CoreWeave IPO at $30B, Down From $35B 02:53 - X Raises Nearly $1B, Back to Musk Purchase Price 03:53 - Perplexity in Talks to Raise at $18B Valuation  04:37 - xAI Joins $100B AI Infrastructure Partnership  05:30 - Kraken Acquires NinjaTrader for $1.5B  06:18 - Klarna Partners with DoorDash for BNPL in the US  07:20 - Ualá Closes Series E Round at $2.75B Valuation  08:13 - OpenAI to House 400K Nvidia Chips for Stargate Project  

In this week's Omni Talk Retail Fast Five news roundup, sponsored by the A&M Consumer and Retail Group, Simbe, Mirakl, Ocampo Capital and Infios, Chris and Anne discussed: - Kroger's surprising decision to create a standalone e-commerce unit - Ulta's launch of a digital marketplace with Mirakl - Wayfair's plans to open a second large format store in Atlanta - Klarna becoming Walmart's exclusive BNPL provider - And closed with a look at Wonder's acquisition spree and if its “super app for mealtime” is just bad branding of what is actually a good idea There's all that, plus Mariah Carey, Irish names, and our rankings of the best Adam Sandler movies of all-time. Music by hooksounds.coom

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute:Klarna Replaces Affirm as Walmart's BNPL Partner – Klarna secures a major win, becoming Walmart's exclusive BNPL provider through OnePay, boosting its U.S. presence ahead of a potential IPO.Forever 21 Files for Bankruptcy Amid Fast-Fashion Turmoil – Facing fierce competition from ultra-low-cost online rivals like Temu and Shein, Forever 21 files for Chapter 11, highlighting industry-wide disruption.Hudson's Bay on Brink of Collapse – The iconic Canadian retailer files for bankruptcy protection and prepares to liquidate its 96 stores, signaling a major shake-up in the department store sector.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

In this episode of the Risk Management Show, we uncover the hidden fraud risks in the Buy Now Pay Later (BNPL) space with industry expert Stephane Touboul, founder and CEO of WeGetFinancing. Stephane shares over 25 years of experience in online payments and credit, offering invaluable insights into fraud detection, identity verification, and how innovative technologies like AI and machine learning are reshaping the BNPL landscape. We discussed the critical risks every risk manager must know, including fraud prevention strategies, identity verification techniques, and the future of BNPL in a rapidly evolving market. If you want to be our guest or suggest an expert in Risk Management, Cyber Security, or Sustainability, send your email to info@globalriskconsult.com with "Guest Suggestion" in the subject line. Don't miss this essential conversation for Chief Risk Officers and professionals navigating the world of risk today.

Managing money isn't about numbers, it's about making informed decisions that shape your future. Whether you're a seasoned saver or just starting out on your financial journey understanding the basics of personal finance can make all the difference. Today's guest Joel Larsgaard has been helping people take control of their finances for over 15 years. As the co-host of How To Money and a weekly radio show Joel breaks down the often confusing world of personal finance. His passion for financial literacy comes from personal experience and he's been recognized for his work including being on the Forbes Advisory Board. In this episode we'll cover common financial mistakes, smart saving strategies and how to avoid financial pitfalls so you can make better money decisions. Show Notes: [00:53] Joel co-hosts the How To Money podcast with his best buddy Matt. It's about helping people learn how to handle their finances well. [01:29] So many people are missing the information they need about money, yet it's a tool that touches every aspect of our lives. [02:32] Joel's parents had money troubles. He always wanted to learn about money so he wouldn't have problems. He also worked for Clark Howard who was a consumer advocate and money guy. [05:30] Everyone has different dreams and financial goals. [06:29] We learn Joel's scam story. A kid sold him fake Blockbuster gift cards.  [08:32] Common financial traps include not saving enough and not tracking expenses and knowing where the money is going. [09:15] Knowing where your money is going is the first step to finding leaks. [10:38] Using credit cards and discriminately buying now and paying later is another big pitfall. A lot of people are using BNPL on top of credit cards. [12:04] You have to have a plan. Know your debts, know your interest rates. Where's the Gap where you can find extra savings? [13:30] Paying off your debt feels amazing. [14:58] Online budgeting software can make it easier. [16:00] Think of a budget as not being restricted but something that helps you accomplish what you want. [18:08] Once you write it down, you're dealing with reality. [20:11] The joy of spending your money proactively on what you want and cutting back on other things. [21:08] Finding savings by shopping for insurance yearly. [22:56] You can also save with a defensive driving course. [23:41] Look at subscriptions and bundling. Sign up with deals. Keep track of when you should cancel.  [28:11] Bank loyalty will cost you money. [29:29] There are some highly competitive online savings accounts like CIT, Discover, and Ally.  [31:29] Be sure the online bank you are doing business with is FDIC insured. Make sure you're dealing directly with the bank. [33:30] Tips for looking for legitimate investments. Simplicity trumps most things. [34:59] Building wealth slowly with average returns. [42:00] There are a lot of wealth building options open for people who aren't making a lot of money. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest How To Money Joel Larsgaard on How To Money Joel Larsgaard on LinkedIn How To Money on Instagram Clark Howard Undebt.It Trusted Choice Policy Genius CIT Discover Ally

In this episode, Alex Johnson and I discuss:* The chaos in DC. What might in mean for banking, fintech & consumers?* Varo Bank struggles on, with a new CEO and some additional capital.* A grab bag of BNPL topics.* And, as always, what Alex and Jason just can't let go of. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, and as always, I'm joined by my partner-in-crime, Jason Mikula. Today, we're unpacking the chaos around regulatory shifts, fintech's shifting landscape, and the not-so-rosy reality of BNPL. First up, we're diving into the latest news coming from D.C. The Trump administration is considering consolidating bank supervision under the OCC, with reports of employee transfers from the FDIC and CFPB in the works. The possible gutting of agencies and the shifting regulatory approach isn't exactly a surprise, but we're seeing this transition go from theoretical to action. What's at stake for banks and fintechs? Next, we dive into Varo's challenges as the first fintech to snag a de novo bank charter during fintech 1.0's big promises. Once a leader, Varo is now facing financial losses and a shrinking customer base, while rivals like Chime scale quickly. Varo's struggles highlight the tension between building responsible products for underserved communities and navigating complex regulatory oversight. Its de novo charter has tied its hands, making it harder to compete in a fast-moving market where flexibility is key. The January CFPB report on Buy Now Pay Later (BNPL) brings eye-opening insights. Despite its claim to help those without credit, 45% of BNPL loans go to deep subprime borrowers, not credit newbies. The data also shows users stacking loans across providers, with rising credit card default rates. The takeaway: BNPL's shiny promises don't align with its impact. Plus, we're keeping the BNPL convo going with a rapid-fire round of updates. Finally, we wrap up with a few rants you won't want to miss—like the transparency crisis in financial services and crypto. Powell's vague responses to Synapse's failures highlight a deeper issue: accountability. Meanwhile, crypto's obsession with meme coins is sinking to new lows. Where have all serious players gone? We're diving in. 00:04:50 - Washingtonian Recap 00:26:41 - Varo's Charter Conundrum 00:40:59 - BNPL News, Grab Bag Style 01:07:45 - Can't Let It Go Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Fintech Is Back: What's Driving Valuations & Back-Office ConvergenceFintech is making a comeback, and the private markets are shifting fast. In this episode, we break down the biggest fintech moves—from Stripe's $85B valuation jump to Klarna and Chime's rumored IPOs—and explain why investors are paying up for some business models while discounting others.Plus, we dive into a major shift in back-office software: HiBob's acquisition of Mosaic signals a growing convergence between HR and finance, with implications for the future of ERP. Is the back-office stack consolidating into a new source of truth?Topics we cover:✅ Why Stripe commands a 20x revenue multiple, and Mercury's latest fundraise✅ Klarna vs. Chime: Who will get the better IPO valuation?✅ Affirm's comeback—does it validate BNPL's future?✅ The next evolution of back-office SaaS: HR meets FP&AIf you're a founder, operator, or investor in fintech or SaaS, this episode is packed with insights on positioning for the highest valuation.

In This Episode In this episode we continue the series powered by U.S. Bank and recorded at the University of Utah's Fintech Xchange. CAUTION: The episode is hot! Breaking Banks' Hot Takes host Jason Henrichs, regulars Alex Johnson (Fintech Takes) and Jason Mikula (Fintech Business Weekly) are joined by David Ness, U.S. Bank's SVP Innovation, R&D and Peter Renton, Fintech Nexus, Chairman & Co-Founder. The newcomers jump right in, going straight for Fintech on Fire (#11 on a scale of 1 - 10), and comfortably deliver hot takes from the hot seats, recapping major themes from the event, and making predictions as to what 2025 brings to our industry. Plenty of insights are shared and there's plenty for the risky spice-takers to tackle including BNPL (acronym for a popular industry term, of course, and also our new Burn Now Pay Later hot sauce). Two other clues as to what the group might have talked about....the RegTech Reaper and Stable Coin Scorch . Don't worry, there's plenty more where these came from! Listen now on your favorite podcast platform! It's a hot conversation, worth being in the room for...to catch the visuals check it out on YouTube (@provokefm and while you are there, hit subscribe)!

In this episode, we welcome Khaled Talhouni, Managing Partner, Nuwa Capital, who shares insights into his 17-year journey as a venture capitalist focusing on emerging markets, particularly in the Middle East. Khalid discusses the establishment of Nuwa Capital in 2021, its $100 million early-stage fund, and its significant investment in FinTech, which accounts for 30% of their portfolio. Khaled explains the unbanked nature of the region and the opportunities for parallel financial systems and showcases successful investments like the BNPL company Tabby. He demystifies Nuwa Capital's themes, including solving big problems like invoice ageing and consumer credit access. Khalid also touches upon the regulatory challenges of expanding FinTech across the GCC, the potential impact of technologies like AI and crypto, and the evolving socio-economic landscape in the Middle East. The conversation concludes with a discussion on how regional developments could foster future economic growth.

Text us your financial questions!Henssler Money Talks — February 15, 2025  Season 39, Episode 7This week on "Henssler Money Talks," show hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, examined the impact of reciprocal tariffs on Consumer Sentiment. They also reviewed the latest earnings reports and the most recent Consumer Price Index reading.The team answered key questions from seniors about required minimum distributions (RMDs)—specifically, whether it's better to take them at the beginning of the year, spread them out over time, or wait until year-end.After the break, the advisers discussed Trump's directive for the U.S. Treasury to stop producing new pennies, exploring the potential economic effects of eliminating the one-cent coin. They also provided insights into the rise of "buy now, pay later" services and how banks will be able to integrate short-term financing options into their existing debit programs.Timestamps and Chapters11:10: Consumer Sentiment and CPI24:15: Should You Take Your RMD Early in the Year?32:11: No New Pennies and a Cashless Society45:31: Expanding Reach of “Buy Now, Pay Later” ServicesFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Money Talks” is brought to you by Henssler Financial.

Tensions are running high in the AI world this week after Elon Musk made a staggering $97.4 billion bid to buy OpenAI, a move that would mark one of the largest tech acquisitions in history – if it actually happens. Sam Altman shut the notion down fast, even going so far as to fire back with a post suggesting he'd buy X for a tenth of the price. But Musk's bid itself does raise questions about potential roadblocks ahead for OpenAI. Today, on TechCrunch's Equity podcast, hosts Kirsten Korosec, Max Zeff and Anthony Ha are breaking down the offer, the response, and what it means for the AI company's future, plus other headlines from the week. Listen to the full episode to hear about: What you missed from the Paris AI Action Summit: who's backing global AI opportunity and who's calling it a missed opportunity. BNPL startup Tabby's massive raise and $3.3 billion valuation, as well as its IPO ambitions in a turbulent fintech market. Archer Aviation's $300 million boost, and why its eVTOL development is leaning into defense. Equity will be back with a new interview on Wednesday, so stay tuned! Equity is TechCrunch's flagship podcast, produced by Theresa Loconsolo, and posts every Wednesday and Friday.  Subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. You also can follow Equity on X and Threads, at @EquityPod. For the full episode transcript, for those who prefer reading over listening, check out our full archive of episodes here. Credits: Equity is produced by Theresa Loconsolo with editing by Kell. We'd also like to thank TechCrunch's audience development team. Thank you so much for listening, and we'll talk to you next time. Learn more about your ad choices. Visit megaphone.fm/adchoices

Look out for some new changes to “Behind the Numbers” in 2025! We will be rolling out our new slate of podcast content that, as always, aims to help marketers, retailers, and advertisers better understand the ever-changing world of digital media, through thought-provoking conversations. Mondays and Fridays I will host a new video podcast called BTN where I'll be speaking with guests from the eM crew and folks from other co.'s for a 20-minute chat about media, advertising, or technology, discussing everything from AI's impact on our daily lives, to the shape-shifting universe of social media, and more. Every Wednesday, you can still hang out with Sara Lebow, host of our RR show, as she covers the latest in commerce media, consumer shopping habits, and the retailers that are making the biggest moves. And then every 2nd Tuesday of the month, Rob Rubin will be discussing the most important B&P's conversations from crypto, to BNPL, to how banks will look in the future. So, make sure to tune in to new video and audio episodes Monday, Wednesday, and Friday (and the occasional Tuesday) on Apple Podcasts, YouTube, Spotify, or wherever else you like to listen.

Learn the pros and cons of layaway and Buy Now, Pay Later (BNPL) and how to choose the best option for holiday shopping. What is the difference between layaway and Buy Now, Pay Later (BNPL)? Which payment option is better for holiday shopping? Hosts Sean Pyles and Anna Helhoski discuss these two financing tools, how they work, and which might be the smarter choice for holiday shopping. Lauren Schwahn, a writer at NerdWallet who covers credit, debt, budgeting and money, joins Sean and Anna to break down the basics of layaway and BNPL, highlighting differences in payment timing, access to purchased items, and impact on credit. They also discuss when you'll receive your item, the repayment timelines, potential fees for missed payments. why BNPL appeals to Gen Z, and how either option can fit into a shopper's financial strategy. Plus: tips for avoiding pitfalls with BNPL, such as setting payment reminders and avoiding multiple loans. Then, Sean and Anna break down this week's money headlines, including the latest jobs report, the CFPB's crackdown on illegal junk fees, and the rise of market timing among investors. There are a lot of ways to invest money — high-yield savings accounts, CDs, bonds, funds and stocks are all options. To learn more, read NerdWallet's writeup on the best ways to invest money right now: https://www.nerdwallet.com/article/investing/the-best-investments-right-now  In their conversation, the Nerds discuss: buy now pay later, BNPL pros and cons, layaway vs BNPL, holiday shopping tips, budget-friendly shopping, buy now pay later risks, layaway payment plans, how BNPL works, shopping on a budget, avoiding holiday debt, payment plan comparison, layaway benefits, BNPL for Gen Z, holiday financing tips, budgeting for big purchases, holiday shopping savings, credit impact of BNPL, layaway financing, BNPL fees, installment payment plans, choosing BNPL or layaway, holiday gift financing, Klarna, Afterpay guide, Affirm payment plans, layaway history, BNPL for beginners, managing BNPL loans, credit card vs BNPL, smart financing options, how to use layaway, BNPL payment reminders, financing options for gifts, and understanding BNPL terms. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

هفتمین قسمت از مجموعه اپیزودهای شماره پنجاه و شش دیالوگ باکس منتشر گردید که در ساخت آن بر خلاف اپیزودهای قبلی، از موسیقی بیشتر استفاده گردیده و سعی شده است مرور دیالوگ‌ها بصورت محو و گذرا باشند تا در نهایت به پلی‌لیستی با حال و هوای اپیزودهای دیگر برسیم که در مواقع رانندگی، کار، پیاده‌روی و ... قابل شنیدن باشد و نیاز به تمرکز خاصی بر روی دیالوگ‌/منولوگ‌ها وجود نداشته باشد. حامی این پادکست: اسنپ‌پی اسنپ پی یعنی خرید قسطی راحت! یعنی میتونی بدون سود و بدون نیاز به چک و سفته، انواع کالا و خدمات رو با تخفیف‌های هیجان‌انگیز، در چهار قسط بخری! مجموعه اسنپ‌پی که با نام سرویس اعتباری اسنپ هم شناخته میشه، سرویس BNPL یا الان بخر بعدا پرداخت کن رو به حدود 12 میلیون نفر ارائه میده! این سرویس امکان خرید انواع لوازم آرایشی و بهداشتی، پوشاک، لوازم دیجیتال، لوازم خونگی، طلا، محصولات سرگرمی، سفر و کلی محصول دیگه رو در 4 قسط فراهم میکنه. برای خرید از بیش از 1500 فروشگاه‌ طرف قرارداد اسنپ‌پی، فقط کافیه وارد سوپر اپلیکیشن اسنپ بشی و با ورود به بخش سرویس اعتباری، هرچی رو که میخوای قسطی بخری! برای خرید قسطی انواع کالا روی لینک زیر کلیک کن: https://l.snpy.ir/di4i9 برای اطلاع از آخرین تخفیف ها، صفحه اینستاگرام اسنپ پی رو میتونید دنبال کنید: https://www.instagram.com/snapppay_ir موسیقی‌های استفاده شده در این اپیزود: Bonbsat - Sirvan Khosravi PersRock - Taboue Boose Ghostly Kisses - The city holds my heart Living it up ft Guigueno Milad Derakhshani - Ashnaye dirin Golsa Mazaheri - Sargashteh Amirhossein SHoorche - Mara be khaneham bebar Navid Arbabian - Raheb Michael Shynes - A house made of you Leave prod everestdidthis Marjan Farsad - Soghati Richard Hawley - The Ocean Reza Parsa - Farangis (Slowed) Kamran Atta ft Sara Naeini - Natoonesti Unknown Artist - Someone like you پ.ن: این اپیزود در تاریخ یکم آذر ماه در کانال کست باکس منتشر گردیده است. گوینده اعلان: بهنام بهزادی عکس کاور: رضا اسعدی دستیار تولید: سعید قاسمی روابط عمومی: سارا لشگری مهدی ستوده یکم آذر ماه 1403