Podcasts about bnpl

Payments don't fail as an abstract metric. They fail for a freelancer waiting to get paid, a small business trying to accept the locally normal method, or a customer who gets told “we don't support how you pay.” That's why our conversation with Clarice Lehman, Alternative Payments Operations Lead at DLocal, keeps landing on one theme: the future of payments has to stay human, even as the industry gets more automated, embedded, and AI-driven. We start with Clarice's journey from Uruguay to fintech, including a pivotal dinner-party moment that redirected her MBA path to MIT, followed by consulting at BCG, and a return to DLocal to lead strategy and operations across alternative payment methods. We unpack what “APMs” really include (instant payments, wallets, cash-based options, BNPL operations, card-present initiatives, and crypto operations) and why delivering a consistent cross-border payments experience is hard when every market's infrastructure looks different underneath. Then we get practical about leadership and trust: why smarter systems can't mean more exclusion, what transparency should look like when AI makes decisions, and why reliability and accountability are non-negotiable when downtime or a wrong decline hits. Clarice also shares the trend she's most excited about: AI-driven credit and underwriting using alternative data, and how that can expand access to capital for consumers and SMBs that traditional credit bureaus overlook. If you care about emerging markets, payments strategy, fintech leadership, and building products that actually include people, this one is for you. 

In this crossover episode of The Consumer Finance Podcast and Regulatory Oversight, Taylor Gess is joined by colleagues Michael Yaghi and Lane Page from Troutman Pepper Locke's State AG and Regulatory Investigations, Strategy + Enforcement practice groups to discuss the hottest areas of state regulatory activity in the point-of-sale space. With federal consumer protection enforcement pulling back in certain areas under the current administration, state regulatory agencies are stepping into the spotlight to take an industrywide approach to point-of-sale finance. The conversation covers regulatory scrutiny around buy now, pay later (BNPL) products following the CFPB's withdrawal of its interpretive rule, a coordinated seven-state inquiry into the U.S.'s largest BNPL providers, and what providers should be doing now to assess their own compliance posture. They also dig into the solar and home improvement finance sector, where states are challenging fee disclosures and targeting finance provider-merchant relationships, as well as the growing rent-to-own enforcement landscape. The episode closes with a look at what Rohit Chopra's new role leading California's consolidated consumer protection agency could mean for the financial services industry, with both California and New York positioning themselves as state-level successors to the CFPB's prior enforcement mission. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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/featured  Chris warns that the rapid growth of buy now, pay later loans is pushing more Americans into financial trouble. Pointing to rising late-payment rates, multiple active loans, and the growing use of BNPL for groceries, he argues these services encourage overspending, fuel a culture of living beyond one's means, and leave consumers paying a steep price for convenience.

Are these financial apps just payday loans in disguise? Learn the sneaky ways modern tech keeps you hooked on debt and how to avoid it. Many popular money apps market themselves as helpful tools, but often hide high-cost borrowing structures beneath a clean interface. This conversation breaks down the mechanics behind these predatory lending tactics, specifically focusing on how they encourage users to borrow money, keeping you in a cycle of repayment. If you are trying to become debt free, understanding these traps is essential to protecting your finances. Doug & Ted examine the psychological hooks that keep people cycling through high-interest debt. By identifying these patterns early, you can take control of your spending habits and avoid falling for slick marketing that hides the cost of credit. Subscribe for weekly debt free strategy breakdowns, and comment below if you have ever spotted a suspicious lending feature in a finance app. Chapters: 00:00 Intro 00:38 What Payday Loans Were & What They Are Today 03:11 The Categories of Online Loans Starting with Payday Loan Apps 07:40 Credit Building Products & The Dangers 08:40 Buy Now Pay Later Apps 12:30 The Dangers of Online Lending, Money Apps, & BNPL 14:30 Credit Adjacent Products - What Are They - Why It Matters! 15:40 The Differences Between Traditional Payday Loans & New Cash Apps 21:00 The Problem With Modern Cash Apps & Practical Advice

Affirm (AFRM) continues to lead the buy now, pay later space, with web visits rising nearly 50% year over year as adoption accelerates across major e-commerce platforms. Andy Swan of LikeFolio explains how BNPL has evolved from a niche concept into a mainstream payment option, offering consumers a more structured and transparent alternative to traditional credit.======== 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

Two opaque corners of finance have joined forces: shadow banking and phantom debt. Put another way, private credit firms are backing Buy-Now-Pay-Later companies to finance their expansion into the US consumer market. On today’s Big Take podcast, guest host Stacey Vanek Smith joins Bloomberg reporters J.J. McCorvey and René Ismail to discuss what private credit’s involvement in BNPL means for everyday borrowers, why it’s raising concerns and whether the risks hiding in these spaces could spill over into the rest of the economy. Read more: Private Credit Is Making Bets on Consumer Debt at a Precarious Time Hosted by Stacey Vanek Smith; Produced by David Fox; Reported by J.J. McCorvey and René Ismail; Edited by Naomi Shavin. Fact-checking by Julia Press and Laura Newcombe; Engineering by Alex Sugiura. Senior Producer: Naomi Shavin; Deputy Executive Producer: Julia Weaver. Executive Producer: Nicole Beemsterboer.See omnystudio.com/listener for privacy information.

Cuando dos personas compran lo mismo y una termina pagando muchísimo más, no es solo cuestión de suerte o del vendedor. Detrás hay años de hábitos con tarjetas, créditos “fáciles” y compras de “compra ahora, paga después” que van dejando huella en un historial que casi nunca se ve, pero que decide si te suben la tasa, te niegan una promoción o te cierran la puerta. Entender esas reglas invisibles y cómo se está escribiendo ese historial puede ser la diferencia entre financiar tu vida… o financiar intereses que nunca tendrían que haberte tocado.Sé parte de la primer temporada de Fírmame el Cheque. Si eres emprendedor y buscas inversión, entra a la liga que te dejaré a continuación, llena el formulario con la información de tu negocio y ya estarás compitiendo por un lugar en el programa: https://firmameelcheque.com/00:00 - Comprar todo a crédito: el número oculto que decide cuánto terminas pagando por la misma casa o el mismo auto00:44 - En México, 37% ya tiene algún crédito formal, pero millones siguen fuera del sistema por rechazo o miedo a endeudarse01:35 - Dos amigos, mismo coche, mismo contrato… uno paga cientos de miles de pesos más solo por su historial crediticio03:11 - De chismes y rumores al algoritmo: cómo pasamos de “lo que dicen de ti” a bases de datos financieras masivas05:38 - Reportes que juzgaban tu vida privada: hábitos, bares, sexualidad y “mala moral” usados como focos rojos financieros07:19 - Fair Credit Reporting Act: el intento de limpiar prejuicios y permitir ver y corregir tus propios archivos08:20 - Nace el FICO Score: confianza convertida en fórmula estadística que domina el crédito en Estados Unidos09:17 - En México, el FOAPROA, las crisis bancarias y el nacimiento de TransUnion, Dun & Bradstreet y Círculo de Crédito10:49 - “Compra ahora, paga después”: fintechs, BNPL y jóvenes que financian su consumo sin ver que es crédito disfrazado12:20 - Dos personas con mismo sueldo, pero historias financieras opuestas: así el sistema las trata como riesgos distintos14:03 - El boom de las tarjetas: casi 2 billones de pesos en crédito y 9 de cada 10 registros en Círculo de Crédito son positivos14:46 - Puntajes de 400 a 850: pagar tarde, usar casi todo tu límite y abrir muchas cuentas hunde tu score aunque ganes bien16:25 - La paradoja del historial: si nunca usas crédito, luego el sistema desconfía porque no tiene nada que evaluar18:21 - El mismo ingreso, pero tasas y seguros muy distintos: cómo un número se traduce en miles de pesos extra a lo largo de años19:07 - Las “manchas” no son eternas: los registros negativos caducan, pero la deuda legal sigue existiendo hasta que la atiendes20:11 - Fraudes del buró: nadie puede borrar tu historial por arte de magia, solo aprovechan el miedo y la desinformación20:32 - Menos del 24% lleva presupuesto y solo 39% registra sus deudas: la educación financiera sigue siendo el gran ausente21:58 - Invisibles para el sistema: millones sin historial buscan apoyo en ahorros y familia porque el banco ni los ve23:22 - IA, código postal y tipo de empleo: nuevos algoritmos que pueden repetir viejos sesgos de discriminación financiera25:51 - El lado positivo posible: IA y fintech que usan pagos de servicios y huella digital para abrir puertas a quienes nunca tuvieron crédito27:35 - Crédito como motor y trampa: acceso a casa y auto vs. vidas atrapadas en intereses altos por no entender el juego28:24 - No eres solo un número, pero ese número sí impacta toda tu vida financiera; entender las reglas te da algo de control

Buy Now, Pay Later has become one of the fastest-growing ways to shop, especially among young Singaporeans. For some, it's a flexible way to spread out payments and manage cash flow. For others, it's making impulse spending easier than ever. On The Agenda, Hongbin Jeong speaks with Ben Charoenwong, Associate Professor of Finance at INSEAD and an affiliated faculty member with the Asian Institute of Digital Finance and the NUS FinTech Lab, to explore how BNPL is changing the way young people think about money, budgeting and debt. Is it encouraging financial irresponsibility, or is it simply a modern payment tool that's being unfairly blamed? They examine the benefits, the risks, and whether the real issue lies with the platforms or with our spending habits.See omnystudio.com/listener for privacy information.

Glen meets with Edelman Smithfield Managing Director Deidre Campbell to break down the annual Edelman Trust Barometer, the public's "retreat into insularity," and the resulting action items for banks and credit unions. Also- Illinois turns its focus to BNPL while JD Power highlights an FI opportunity, X Money broadens its reach, and the murky NCUA waters begin to clear.    Links related to this episode: Edelman Smithfield's Financial Services Trust Barometer: https://www.edelmansmithfield.com/2026-Edelman-Trust-Barometer-Key-Insights-for-Financial-Services Edelman's 2026 Global Trust Barometer: https://www.edelman.com/trust/2026/trust-barometer Illinois' newly signed BNPL law: https://www.paymentsdive.com/news/illinois-enacts-bnpl-law-pritzker-consumer-crypto/823835/ JD Power's Buy Now Pay Later customer satisfaction study (good news for FIs): https://www.jdpower.com/business/press-releases/2026-us-buy-now-pay-later-satisfaction-study PYMNTS.com on X Money's latest move toward general availability: https://www.pymnts.com/commerce/social-commerce/2026/x-opens-x-money-to-premium-subscribers-ahead-of-broader-launch  Mark your calendar to join the next CU Town Hall- Wednesday July 15 at 3pm ET/Noon PT- our live and lively interactive monthly conversation where credit union leaders tackle the biggest issues facing the sector today. The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/ Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/ https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/n/glensarvady/  

Dans cet épisode, je reçois Charles Egly, CEO et cofondateur de Younited, pour une discussion autour du basculement de son modèle économique, du crédit instantané financé par titrisation vers un modèle bancaire bilanciel diversifié, en passant par une introduction en bourse via SPAC.Nous avons parlé :Du modèle originate to distribute des débuts : lever des fonds propres pour investir dans la tech et le produit, puis titriser et distribuer les crédits instantanément pour ne pas les garder au bilan.Du pivot vers un modèle bilanciel en 2024, concrétisé par l'introduction en bourse via le SPAC Iris Financial (rebaptisé Younited Financial) avec 150 millions d'euros levés auprès de Ripplewood, +50% de revenus et un premier résultat net positif de 2 millions d'euros en 2025.Du maintien de la titrisation classique en parallèle, avec trois émissions d'ABS depuis l'introduction en bourse, via des véhicules SPV et FCT.De la méthode de déploiement à l'international fondée sur le recrutement de CEOs locaux très autonomes, et des spécificités réglementaires entre la France (FICP), l'Italie et l'Espagne (CIRBE).Du retrait du marché allemand en 2024, malgré un coût du risque maîtrisé, en raison du poids des comparateurs comme Check24.De la distinction entre le paiement étalé proposé par Younited(1000 à 1500 euros sur 24 à 36 mois) et le BNPL classique (40 à 100 dollars, moins de 3 mois), avec Bouygues Telecom et Pixmania.Des trois choix que Charles changerait avec le recul : avoir adopté le nom Younited plus tôt, ne pas s'être lancé en Allemagne, et avoir investi plus tôt dans la donnée.Un échange direct sur la mécanique financière d'une fintech qui a grandi vite, traversé plusieurs cycles de taux, et qui assume aujourd'hui aussi bien ses choix que ses regrets.Recommendations de Charles: “Le Monde sans fin”, bande-dessinée de J-M. Jancovici et Ch. Blain: https://share.google/A4j7evqLyFIUTfomjEpisode du podcast Thinkerview avec J-M. Jancovici : https://www.youtube.com/watch?v=JmByobw2YWA Liens utiles:Charles Egly: https://www.linkedin.com/in/charlesegly/ Younited:https://younited.com/fr/ Glossaire pour les acronymes:ABS (Asset-Backed Securities) : titres financiers adossés à un panier d'actifs, vendus à des investisseurs institutionnels.BNPL (Buy Now Pay Later) : paiement fractionné de très court terme, basé sur une analyse de fraude, avec de faibles montants et une maturité inférieure à 3 mois.CIRBE (Central de Información de Riesgos del Banco de España) : fichier espagnol de centralisation des risques de crédit, géré par la Banque d'Espagne.FCT (Fonds Commun de Titrisation) : équivalent français du SPV, dédié à la titrisation de créances.FICP (Fichier des Incidents de remboursement des Crédits aux Particuliers) : fichier français qui recense les incidents de paiement des particuliers.SPAC (Special Purpose Acquisition Company) : société cotée sans activité propre, créée pour fusionner avec une entreprise et lui permettre d'entrer en bourse plus vite qu'une IPO classique.SPV (Special Purpose Vehicle) : structure juridique ad hoc créée pour isoler certains actifs du bilan d'une société.Finscale est aussi disponible sur YouTube: https://www.youtube.com/@finscale.***************************Finscale est bien plus qu'un podcast. Cet épisode est produit et animé par Solenne Niedercorn, fondatrice de Finscale.

Buy Now, Pay Later promises convenience, but it may be one of the most dangerous financial traps facing young adults today. In this episode, Art Rainer exposes the psychology behind BNPL, shares eye-opening statistics on missed payments, and explains why small installments can quietly lead to big financial problems.Resources:8 Money MilestonesAsk a Money Question!

Epic spent five years and over $100M breaking the platforms' 30% tax — then cut V-Bucks by 20% to "pay the bills." If the company that won the fee war still gets squeezed, what does that say about everyone else?The answer isn't about fees. When AI makes content infinite and attention stays finite, the only asset that appreciates is the direct relationship with your players — the one distribution channel that gets cheaper the stronger it gets. And a nearly invisible economy of community-run game servers has been proving its dollar value for fifteen years.I sit down with Liam Wiltshire, GM of Tebex — the merchant-of-record platform behind direct payments for Rockstar, Take-Two, Hytale, and FiveM — to unpack it.In this episode:Why "is 30% dead?" is the wrong questionCreator codes: how trust drives 50–227% more spendThe BNPL and crypto data that surprised even TebexWhy 35% of desktop game purchases happen on a phoneHow Hytale launched off Steam and secured two years of runway from pre-orders aloneThe £20, 16-year-old origin story behind a company that's processed $1.5BRead the full breakdown and subscribe at gamemakers.com.Chapters00:00 — Epic cut V-Bucks: why it's really a margin story03:47 — When content is infinite, what's actually scarce?07:38 — The shadow games industry: Hypixel, FiveM & a $1.5B economy10:13 — The data: creator codes, BNPL & buying on a second screen13:33 — Liam Wiltshire joins: the state of the industry16:35 — Why every player purchase is a "CapEx decision"18:50 — Is the 30% platform fee dead?21:00 — Who really owns the player relationship?23:27 — D2C across mobile, web, PC & console34:59 — Treating the platform as an acquisition channel42:57 — UGC servers & what a "merchant of record" actually does1:00:40 — Creator codes: how trust drives more spend1:19:04 — BNPL & crypto: the numbers that surprised Tebex1:31:20 — Payment optimization & one-click checkout1:40:43 — The £20 origin story & the $29M exit

This interview explores the strategic development of the B2B Buy Now, Pay Later industry through insights from the co-founder of PastPay, a major financial provider in Eastern Europe. The discussion highlights how deferred payment solutions help businesses optimize cash flow management during periods of economic uncertainty and inflation. The source emphasizes that the sector must adopt proactive self-regulation to avoid the reputational challenges and stricter regulations faced by the consumer BNPL market. A key theme is the importance of prioritizing sustainable long-term value instead of focusing solely on transaction volume, ensuring stability for both providers and clients. Additionally, the interview explains that business-to-business transactions are generally more reliable because of clearer financial data and stronger credit evaluation processes. Overall, the article promotes a responsible growth strategy that builds trust between financial innovators and the businesses they support.

Today on The Peak Daily: Canada's long-awaited Gordie Howe International Bridge finally gets an opening date, and buy now, pay later lenders set their sights on rent payments. Plus, in the big picture: Anthropic releases a new model, Apotex boosts its IPO target, and the Parti Québécois vows to pull Quebec out of the Alto high-speed rail project.The Peak Daily is produced in partnership with reframevid.com 

Payments don't fail because teams lack ambition, they fail because the infrastructure can't keep up with what customers expect. We sit down with Mike Milotich, CEO of Marqeta, to unpack how modern issuer processing is changing card issuing from a rigid bank product into configurable, real-time payments infrastructure built for innovation.We trace Mike's 20-year journey across American Express, PayPal, Visa, and now Marqeta, and use that ecosystem view to explain what actually makes a card program work: issuer economics, consumer behavior, local market nuance, and the ability to iterate fast. Along the way, we break down what Marqeta does as an API-first, cloud-based issuer processor operating at global scale and high reliability, and why “building blocks” beat one-size-fits-all platforms when you're trying to launch, learn, and adjust.Then we look ahead at the biggest growth opportunities in card issuing and embedded finance: multinational issuing on a single stack, flexible credentials that can behave like debit, credit, and BNPL, and a broader product continuum that meets customers where they are in their financial journey. We also dig into personalization of rewards, AI-driven experiences, risk and fraud tooling, stablecoin-backed cards for faster cross-border movement, and the early shape of agentic commerce.If you care about the future of payments, card issuing, and customer engagement, this episode is for you.

Britta Wehner erklärt, wie lynck als Technischer Service Partner ohne Factoring BNPL ermöglicht – und warum Online-Apotheken, ÖPNV und Pay by Bank zum Fokus gehören.

BNPL programs have helped big box retailers boost sales for years... How mom and pop stores can get in on the action as well (at 14:16) --- What is 'biohacking'? The radical theory behind the idea that there's a difference between living longer and living better - or, ideally, doing both (at 20:57) --- What's Happening: Scouting America is all about outdoor adventures, and it's shaping up to be a busy summer for the Black Swamp Area Council (at 43:52)

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you're not careful. In this episode, you'll learn: 1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards. 2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment. 3. Who should and definitely should not use BNPL services, plus Vivian's preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

In the latest episode of Scratch, Tracey-Lee gets into what it really takes to build trust in a controversial space, how she sells brand investment to a CFO who only speaks performance, and the Black Friday campaign where Payflex faked a data breach and somehow lived to tell the tale. The key takeaway:  1. Radical honesty is not a risk, it's a requirement In a controversial category, you have to be as loud with your rebuttals as your critics are with their attacks. Silence reads as guilt. 2. BNPL customers aren't who the headlines say they are Payflex users are not over-indebted people stretching to survive. They're actualizing. Identity-driven. The emotional need sits at the top of Maslow's hierarchy, not the bottom. 3. The two-year brand cliff is real Cut brand budget today, nothing happens for six months, maybe a year. Then sales tank. And to recover it, you spend two to three times what you cut. The lag is the weapon CMOs need to use in every CFO conversation. 4. Brief writing is a tattoo, not a tick box WATTW. What are we trying to achieve here. If you can't answer that before you brief, you shouldn't be briefing. 5. Marketing is an advocate for the market, not a go-to-market function Marketers need to be in the product room early, sometimes aggressively, because no product strategy survives contact with a customer insight that nobody bothered to bring in. 6. Learn the finances early The biggest unlock in Tracey-Lee's career was understanding what CFOs actually care about: customer equity, market share, lifetime value. Not ROAS. 7. Boldness needs justification, not just instinct The data breach campaign worked because it had a clear strategic logic behind it. Payflex is an innovator and Black Friday demands standout or silence. Watch the video version of this podcast on Youtube ▶️: https://youtu.be/fPIrrl9Qg3I Scratch is a production of Rival, a marketing innovation consultancy that develops strategies and capabilities that help businesses grow faster. Scratch is hosted by Viren Samani, and he's joined by Tracey-Lee Zürcher-Campbell of Payflex in this episode Find Rival online at www.wearerival.com, LinkedIn Find Viren on Linkedin Find Tracey-Lee on Linkedin Say hi at media@wearerival.com, we'd love to hear from you. Rival is a marketing consultancy for brands that want to challenge convention in their category. We're on a mission to understand what challenger brands do differently to grow in categories that are being disrupted, and use a challenger playbook to deliver outsized impact through an integrated, tech-enabled approach. Past guests include CMOs from Mastercard, GE, Shell, Hyperloop, Adobe, PepsiCo, and Papa Johns.If you're interested in learning more about marketing from successful CMOs, we compiled a list of the top 5 CMO podcasts to listen to in 2024; check it out here

In this episode, Lex chats with Mike Milotich — Chief Executive Officer of Marqeta, the modern card issuing platform that processed nearly $400 billion in payments volume in 2025, and is certified to operate in 40+ countries, growing over 30% for the third straight year. They discuss how Marqeta's separation of bank, processor, and brand armed fintech's largest winners across buy now pay later, on-demand delivery, neo-banking, and expense management with the Lego blocks to build their own card programs.  Mike explains how the company's growth is shifting from enabling new use cases to displacing volume on legacy bank platforms, and they explore why card issuing is going multinational, what the agentic commerce wave actually requires to clear security and behavioural hurdles, and how Marqeta's continued growth runs through embedded finance, real-time personalisation, and the forced modernisation of the banks themselves. NOTABLE DISCUSSION POINTS: The BNPL business model is flipping from merchant rails to consumer cards. Marqeta originally solved the merchant scale problem for buy now pay later via virtual cards, removing the need for tens of millions of merchants to integrate a new button at checkout. The current shift is more important: BNPL players are now issuing consumers their own physical and virtual cards usable anywhere cards are accepted, turning BNPL from a merchant-acceptance game into a direct consumer value proposition. BNPL volume has grown over 50% year-on-year for Marqeta in recent quarters. Card issuing is going multinational, and that breaks the legacy bank model. Banks have always been local on the consumer side, with only a handful multinational on the commercial treasury side. The next generation of card issuers, neo-banks like Revolut and Nubank, plus large global platforms embedding financial products into existing user bases, are global by default. A single platform that issues cards, and is certified to operate across 40+ countries, becomes the strategic moat, and legacy processors built to serve domestic bank programs aren't structured to compete. The growth story is moving from expanding the pie to displacing the incumbents. To date, Marqeta has mostly powered new card use cases that didn't exist before — on-demand delivery, BNPL, neo-banking, expense management. Mike's forward thesis is a phase change: pressure from fintech winners is forcing banks to modernise, and the next leg of growth comes from displacing volume sitting on legacy bank-controlled platforms. Real-time personalised rewards, where the same card delivers different offers to different cardholders based on live data, is the wedge that legacy infrastructure can't deliver. TOPICS Marqeta, Visa, Mastercard, American Express, PayPal, Payments, card issuing, embedded finance, fintech, BNPL, neobank, agentic commerce, e-commerce, crypto, stablecoins, programmable money, machine economy, agentic AI   ABOUT THE FINTECH BLUEPRINT

Chantal Marx from FNB Wealth & Investments unpacks Famous Brands's results, with decent growth, refinanced debt and a share buyback in focus. Rademeyer Vermaak from STANLIB Asset Management explains how its systematic process is navigating volatile markets. Plus, Tracey-Lee Zürcher-Campbell from Payflex on the BNPL myths South Africa has disproven.

Florian Lörsch von Annerton erklärt, welche neuen Anforderungen die Verbraucherkreditrichtlinie an die Kreditwürdigkeitsprüfung stellt – und warum gerade BNPL-Anbieter jetzt genau hinschauen müssen.

Licensed insolvency trustee and Spergel partner Rob Kilner joins Bruce to break down the explosive growth of Buy Now, Pay Later (BNPL) platforms and the serious financial risks they pose for Canadian consumers. Rob explains the concept of debt stacking of how small incremental payments across multiple accounts can quietly spiral into unmanageable debt and reveals that "interest-free" BNPL isn't truly free, as costs are typically baked into product pricing. He also shares what happens to BNPL debt in a consumer proposal and offers practical principles for using these platforms more responsibly. Find out more at spergel.ca and connect on Facebook, X, Instagram and TikTok.

Recorded live at Money20/20 Bangkok, 2026The FinTech infrastructure race isn't just about payments anymore. Neofin has spent three years rebuilding from a geo-agnostic lending tool into a full financial super app engine; and the businesses buying in aren't banks. They're retailers, telcos, and gas station networks.In this short conversation recorded live at Money2020, I catch up with Svitlanka, Co-Founder of Neofin (and 2nd time Purpose Driven FinTech podcast guest), on what's changed, who they're building for, and why transactions alone no longer create loyalty.Key takeaways: Why non FinTech businesses with large user bases are Neofin's core customerHow NeoFin sits between the retailer and the bank, and what each party coversThe product evolution from standalone lending to wallet, BNPL, and full financial ecosystemWhy 360 experiences beat pure transaction infrastructure for long-term retentionWhat's next….agentic payments and a major European launchWe cover:(00:00) Three years on, what's changed at Neofin(01:30) From lending infrastructure to full FinTech ecosystem(02:30) Who NeoFin's customers are and why retailers are launching BNPL wallets(03:45) The bank + Neofin partnership model explained(04:30) Why transactions don't build loyalty; and what doesFollow for more discussions on building FinTech products with customer and commercial impact and to stay updated on the latest episodes.

How many Americans are actually using Buy Now, Pay Later (BNPL) services? And how much is it helping or hurting them financially? Financial Advisors, Brian Preston and Bo Hanson, ⁠⁠⁠⁠break down recent data on BNPL usage, and discuss their concern with the rising trend. Then stick around, we talk about what's on your mind with a Q&A segment directly from YOU! This episode features questions on when it's ok to lease a car, when to hire a financial advisor, what to expect as an employee if your company goes public, and so much more. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Velera's BNPL experts, Denise Stevens, EVP & Chief Product Officer and Cody Banks, SVP Product Enablement & Growth open up the doors to BNPL and what changes are happening and why credit unions need to pay attention.   Also, Michael gives Natasha and Producer Zach an aptitude quiz to determine if anyone on this show is doing the work that they're supposed to be doing. 

Private equity firms are spending weekends rebuilding acquisition targets in Claude Code. If the clone works, the deal dies. It's the cheapest moat test in human history.This week James and Daniel dig into:• Why token pricing today looks exactly like mobile data pricing 15 years ago• Sam Altman rethinking OS design and the OpenAI phone rumors• GPT Image generating LEGO sets with real BrickLink part IDs• SpaceX acquiring Cursor for up to $60 billion• China blocking Meta's Manus acquisition. Is this the balkanization of AI talent?• Anthropic paying $400K/year for an events role• Chinese micro-dramas: this year's ad platform growth driverPlus: Evan Spiegel called software dead 15 years ago, Sean Frank asks why you still aren't building, and AI agents negotiating your BNPL rates in real time.Thank you to our sponsors:• AdQuick — adquick.com• Thrad.ai — thrad.ai• beehiiv — ⁠beehiiv.comSTAY CONNECTEDJames on Twitter & LinkedIn – /jamesborowDaniel on LinkedIn, Instagram, TikTok – /danieldrugerSubscribe & leave a ⭐⭐⭐⭐⭐ review on Spotify & Apple Podcasts.

Florian Lörsch von Annerton erklärt, was die CCD2 konkret für BNPL, Rechnungskauf und den Checkout bedeutet – entlang der gesamten Customer Journey.

¡¡NUEVO PODCAST!! Alicia Rábago…  ¿Qué es ser niño?    Gianco Abundiz…. La Canasta Básica; ¿qué incluye y cómo manejarla de mejor manera?”  Gabriela Ávila…  “Alimentación Intuitiva”  Mario Guerra… ¿Cómo manejar  las  discusiones en tu relación?  Roberto Jaime González… El pago BNPL; compra ahora paga después    Alejandro Barbosa… Proyectos de la Fundación Nariz Roja  

CCD2-Umsetzung fix: Das Ende der Grauzonen für BNPL und Kreditkarten naht. Florian Lörsch fasst im Gespräch mit Dana Wondra bei „Alles Legal“ die wichtigsten Änderungen im finalen Gesetz im Vergleich zum bekannten Regierungsentwurf zusammen.

Zip Co has seen its shares spiked up to 24% after announcing an upgrade to its earnings guidance thanks to the US. Gucci is teaming up with Google to launch smart glasses… as it fights to save its profits and make Gucci gucci again. Amazon is acquiring satellite company Globalstar for $11.6 billion to supercharge its space internet ambitions. _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.See omnystudio.com/listener for privacy information.

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics include: would you bet against buy-now-pay-later companies?,  What sectors to focus on for AI?,  How to write a business plan? and more.Refer to chapter marks below for a complete list of topics covered and to jump to a specific section. Get mentored by Chris: Book a Zoom call to discuss joining my Business Academy, Finance Bootcamp (to get a job in finance) or MBA Degree Programs or for investing/business/personal development coaching: https://haroun.short.gy/1on1CallYTWDownload my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree Program0:25 – Intro & Opening Remarks Call start, welcome, and overview1:05 – Markets, Trading & Macro Day trading, oil (spot vs futures), oil stocks, rates/inflation, buy-now-pay-later10:31 – Geopolitics & Global Economy Trump commentary, India food concerns, Iran & Strait of Hormuz13:23 – Stocks & Company Analysis Nvidia outlook, Deutsche Bank, Anthropic, Zoom Video Communications, SpaceX, Fannie Mae & Freddie Mac33:15 – AI Trends & Industry Outlook AI bubble debate, top sectors, why AI firms fail, hedge funds + AI7:18 – Careers, Skills & Education Job rejection, IT careers, business plans, sales vs dev, networking, private credit, MBA vs alternatives45:17 – Life Strategy & Big Picture Marriage vs startups, future of work, starting over1:03:37 – Closing Segment Steve Jobs “No Smarter Than You” Connect with me: Schedule a 1:1 call with Chris: https://haroun.short.gy/1on1CallYTWYouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun

Gaydos and Gayle Bass explain why there are a growing number of Americans using BNPL for groceries.

Timothy Li, CEO and Co-Founder of LendAPI, has spent nearly a decade trying to solve the same problem: launching a lending product takes too long and costs too much. With LendAPI, he's built a no-code platform that lets banks, credit unions, fintechs, and retailers go from idea to live lending product in weeks, not months or years. Think of it as a GoDaddy-style experience for financial services. Timothy joined me again on the show (he was last on in 2017) to talk about what's under the hood, what the Sunglass Hut deal reveals about embedded finance, and where he thinks AI is actually useful in lending today.What We CoveredTimothy's path from the Fluid college credit app to building LendAPIHow the drag-and-drop product builder works for non-technical usersPython model deployment for credit risk officers inside the same platformWinning Best in Show at FinovateThe Sunglass Hut deal and how it came together in three monthsWhy retailers are moving away from pure-play BNPL providersIntegration options: bank cores, side cores, and direct e-commerce embedThe 300-plus partner marketplace and the SEO strategy behind itDoc AI and single-task AI agents for document processing and underwritingTimothy's experience in the CURQL accelerator and how credit unions differTeaching FinTech Fundamentals at USCThe five consumer verticals with the most opportunity in fintechKey TakeawaysThe build vs. buy debate is essentially over. When Timothy talks to bank CTOs today, the conversation is "can you launch this next week?" not "should we build this ourselves?" Speed to market has become the dominant concern.Pure-play BNPL approval rates are outside a retailer's control and can swing 10 points overnight. Private label embedded finance, built on infrastructure like LendAPI, lets retailers and banks own the underwriting criteria and the customer experience, which matters especially for high-ticket items where the financing decision happens in-store.Single-task AI agents are the near-term opportunity in lending, not fully automated credit decisions. Automating document verification, data extraction, and intake workflows saves minutes per application, and at scale, that compounds quickly.The five consumer fintech verticals worth building in: mortgages, auto, credit cards and personal loans, payments, and bank accounts. If it's in someone's wallet, there's still work to do.About Timothy LiTimothy Li is the CEO and co-founder of LendAPI, a no-code lending platform that launched in 2024 and won Best in Show at Finovate. He previously built Fluid, a credit-building app for college students, and has been building lending infrastructure across multiple ventures over the past decade. He also taught FinTech Fundamentals at the University of Southern California.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Amazon cuts USPS volume, BNPL shapes where Gen Z gets their teeth cleaned, and why your product data is now an AI infrastructure problem.This Watson Weekly episode covers: The Amazon-USPS tentative deal and what a 20% volume reduction actually signals about Amazon's logistics endgame. The Watson Weekly is sponsored by Avalara - the agentic AI platform automating global tax and compliance for leading eCommerce brands. For more details: https://avalaratax.watsonweekly.comNew April 2026 data on Buy Now Pay Later — not an acquisition tool, a retention weapon. Walmart-backed Eko and the quiet war for AI-ready product catalogs. How Revolve turns an absurd return rate into a full-price sales machine. The Investor Minute with Accenture's Ookla acquisition, ProfitMind's Series A, Lio's $30M procurement automation raise, and OpenAI buying Promptfoo.

Rick Watson and Jessica Lesesky break down three retail stories that challenge conventional wisdom this week.Revolve runs a 60% return rate — triple the online average — and just posted a 60% profit surge. They explain how baking return costs into margins and offering frictionless two-day shipping produces 80% full-price sell-through and a customer base that treats their bedroom like a fitting room. Physical storefronts in Aspen and LA are next.The Watson Weekly Weekend edition is sponsored by Avalara — automated tax compliance built for Shopify merchants, from calculation to returns. For more details: https://avalara.watsonweekly.com/Lowe's just launched Home Care Plus: $99 a year gets you two Red Vest associate visits for dryer vent cleaning, HVAC filter swaps, smoke detector batteries, and water heater flushes. The real story is what Lowe's gets in return — appliance age data and a direct line to upsell the aging homeowner market.And Buy Now, Pay Later is no longer just a checkout option. Millennials and Gen Z are 13x more likely than Baby Boomers to choose a merchant based on available financing. Fifty-five percent of Gen Z say installment options influence their choice of healthcare provider. BNPL is now a customer acquisition channel — and merchants paying 4.5–5% in fees may be getting the better end of the deal.

Add $100k+ to your career earnings with tactics from my newsletter below!   https://thecareerearner.beehiiv.com/s...   Why do Gen Z and Millennials seem to use BNPL (buy now, pay later) so much? This video explores the buy now pay later model, breaking down the hidden economic pressures that seem to be emerging due to buy now, pay later and long term decisions shaping this trend of usage by Gen Z and Millennials for BNPL. This is a data driven look at what's really going on with the trap of BNPL and how young adults can be more wise with it.   Check out this page for more on gen z, gen z trends, BNPL analysis, why gen z uses buy now pay later, cost of living, personal finance, lifestyle inflation, housing crisis, student debt, financial pressure, economy and wealth building.   For partnership inquiries, please reach out to info@newmoneynate.com   This video is not legal, financial or any other type of "advice". I am not a lawyer nor a licensed advisor. This entire video is purely for educational purposes only and should not be understood as advice in any way, shape or form.

In This Episode In this episode of Breaking Banks, industry leaders Jason Hass (First Electronic Bank), Mike Jorgensen (U.S. Bank), and Louis Mrachek, (Merrick Bank) connect with Jason Henrichs for a dynamic conversation centered on embedded finance. Embedded finance seamlessly integrates financial services into non-financial platforms. Some examples include BNPL, Lending: Business & Personal Loans, and P&C Insurance, simplifying the claim process and getting the payment. The panel explores how fintechs and banks are evolving from competitors into true partners—combining innovation, compliance, and trust to deliver better customer experiences. They also tackle tensions between speed, risk and regulation, and the critical role banks still play behind the scenes. The future of finance may be invisible — but the trust powering it cannot be. This episode is part of the Hot Takes series, powered by U.S. Bank, and was recorded live at the University of Utah’s FintechXchange Conference.

We're pleased to announce that our latest episode of the Consumer Finance Monitor Podcast is now live and it's one you won't want to miss. In this episode, our host Alan Kaplinsky, founder, Chair for 25 years, and now Senior Counsel of our Consumer Financial Services Group, is joined by Max Dubin, Chief of Staff to the Acting Superintendent of Banking at the New York Department of Financial Services (DFS). As a senior leader at one of the most influential state financial regulators in the country, Max offers a rare and insightful look into how DFS is approaching some of the most important issues facing the consumer financial services industry today. A central focus of the conversation is the Department's proposed framework for regulating the rapidly evolving "buy-now, pay-later" (BNPL) market (read more about BNPL on our Consumer Finance Monitor blog here.) Max provides valuable context on what DFS is aiming to accomplish and how it is thinking about balancing innovation with consumer protection. Among other points, he explains that the DFS is seeking to craft a regulatory approach that reflects how BNPL products actually function in today's marketplace, while also ensuring that consumers receive clear disclosures and are adequately protected from potential risks. We also cover a wide range of additional "hot" topics at DFS, including DFS regulatory, supervisory and enforcement priorities, emerging consumer protection concerns, the DFS' approach to fintech innovation and partnerships, crypto licensure and regulation, New York Governor Hochul's budget priorities, which includes reforms of the insurance industry to make it more affordable, coordination with other state and federal regulators, and what industry participants should expect from DFS in the months ahead. This episode offers practical insights for banks, nonbanks, fintech companies, and their counsel, particularly those focused on compliance, product development, and regulatory strategy. Max's candid and thoughtful perspectives provide a valuable window into the thinking of DFS at a time when state-level regulation is playing an increasingly prominent role. We hope you enjoy the conversation.  This is the second of our 3-part series focused on agencies in New York City and State which have a major impact on banks and non-banks who do business with New York City and State residents. On February 12, we released a podcast show, hosted by Alan Kaplinsky, featuring Jane Azia, Chief of the Bureau of Consumer Frauds and Protection and Alec Webley, Assistant Attorney General of the New York Attorney General's Office. Among other things, Jane and Alec discussed the New York FAIR Business Practices Act which expanded the scope of New York's consumer protection law to cover unfair and abusive acts and practices as well as deceptive acts and practices. Very soon, we will be releasing Part 3 of the series which will be a conversation between Alan and Commissioner Sam Levine, the head of the New York City Department of Consumer and Worker Protection.   Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Chantal Marx of FNB Wealth & Investments on Netcare's update and if she's seeing value in the current selloff? Futuregrowth Asset Management's Amrish Narrandes discusses their PE & VC funding, and recent investment into BNPL. René Moonsamy, chair of the National Debt Counselling Association, weighs in on how the NCA and CPA protect consumers.

Your BNPL strategy can't be “pick one provider and hope.” When you sell across borders, buy now pay later becomes a payments infrastructure problem: different countries, different regulations, different checkout habits, and a constant pressure to keep conversion high without turning your team into an integration factory. We sit down with Cihan Duezguen, CEO and Co-Founder of Green Banana, to unpack a focused approach to payment orchestration built specifically for BNPL. We talk through why merchants and payment service providers are asking for a single, harmonized API that can connect to multiple BNPL providers while staying invisible to the shopper. Cihan explains what it means to be an agnostic infrastructure layer, why Green Banana doesn't run its own risk or credit checks, and how neutrality creates flexibility for merchants that need to change providers as requirements shift. From there we zoom out to the bigger payments trends Cihan is watching: stablecoins as a back-end innovation that could unlock new value for PSPs, banks, and merchants, plus the rise of agentic commerce where AI agents buy products through voice prompts and automated flows. If those changes land the way he expects, the retailers and payment leaders who prepare now will win the next generation of checkout UX. 

Most money advice for students is either condescending or delusional, and this episode is neither. This one is for the students…and for the parents, aunties, mentors, and big cousins trying to help without lecturing. Today I'm joined by Dr. Paris Woods, bestselling author of The Black Girl's Guide to Financial Freedom and the new Student's Guide to Financial Freedom. We talk about what she saw growing up in St. Louis, the “education is the ticket” promise, and why getting out of poverty isn't the same as building wealth.If you love a young person, send them this episode and then follow up with, ‘did you listen?'We cover:The debt traps waiting for you the moment you turn 18The minimum payment trap and why “on-time payments” can still keep you stuck for yearsWhy “adulting” starts with a credit limit — and how cards + BNPL get marketed like free money.Sticker price vs. net price: How to find your real college cost before you commitCreating a “gap plan” with scholarships + grants + schools that meet need + a realistic part-time job so loans aren't the defaultDreaming as a strategy and finding the answer to “what would you do if you knew you couldn't fail?”The importance of building a Freedom Fund so you can take the trip, start the business, or pivot without panickingLinks:Order The Student's Guide to Financial FreedomFollow Dr. Paris Woods: @AuthorParisWoods + ParisWoods.com Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

What if checkout was the growth engine instead of an add-on? We sit down with Ismael Wrixen, CEO of ThriveCart, to explore how a payments-first platform can power the modern creator economy from a $99 template to a $10,000 mastermind without locking you into a brittle tech stack. Ismael breaks down how ThriveCart layers affiliates, an LMS, and marketing automation on top of payments, then uses smart funnels to turn checkout into predictable revenue.The conversation gets especially interesting around financing. As ticket sizes rise, traditional BNPL hits limits on geography and amount. Enter Thrive Pay Installments: interest-free plans using a customer's existing card limit, delivered globally in USD, CAD, GBP, EUR, and AUD. Early data shows 3.3x higher average order values, approvals jumping from ~40% to ~85%, and checkout time collapsing to five seconds. Merchants still get paid up front; buyers spread payments over three, six, or twelve months with no new loan application, no extra friction.We also zoom out to the bigger picture of the creator economy and AI. Demand for reskilling surges as companies retool, and creators step in with specialized courses and coaching across finance, business, wellness, and AI. Ismael shares why flexibility is non-negotiable—keep your payment funnel, swap your LMS, integrate with 50+ tools, and sell globally with automated taxes and e-invoicing support coming online. We discuss where LLM commerce is heading, why human-in-the-loop purchasing still matters, and how adaptive pricing and localized experiences unlock international growth.If you care about conversion, funding bigger baskets, and building a stack that won't trap you as AI reshapes the landscape, this is your roadmap. 

Buy Now, Pay Later is boosting conversions, but quietly destroying margins. Buy Now, Pay Later looks like a conversion cheat code. Higher AOV. More checkouts. Fewer abandoned carts. But beneath the surface, BNPL is quietly bleeding eCommerce businesses dry.In this episode of the High Voltage Business Builders Podcast, Neil breaks down what most sellers are missing. BNPL customers return products more often, cost more to serve, and come with higher transaction fees than credit cards. When payments fail, merchants still eat the fees, the shipping, and the inventory risk.You'll learn why BNPL is not free money, how it impacts margins and cash flow, and what serious operators must track right now to avoid letting a payment method quietly destroy profitability. If BNPL drives a meaningful portion of your conversions, this episode is your wake-up call.

In This Episode Could up to 80% of existing credit cards be canceled or see credit reductions under the proposed 10% interest rate cap? That's the stark prediction from industry research and leading credit providers like JPMorgan's Jamie Dimon. Instead of helping consumers, the policy could trigger an evaporation of available credit, shrink access, and push borrowers toward less regulated alternatives. In this episode of Breaking Banks, Jason Henrichs connects with leading industry voices Ron Shevlin, Managing Director & Chief Research Officer of Cornerstone Advisors and author of Forbes‘ Fintech Snark Tank, and Rhett Roberts, Co-Founder and CEO of LoanPro. As the trio discuss benefits, tradeoffs, and risks, they recognize that one size doesn’t always fit all, and explore where innovation might fill the gap: buy-now-pay-later (BNPL) models, bespoke lending products, and how stablecoins could be a market-based alternative to blunt the access problem, a way to lower costs without breaking the system. Could “loan-on-card” structures or embedded finance preserve convenience while reshaping risk? If credit migrates outside traditional card networks, are we undermining decades of consumer protection? For anyone shaping the future of banking, fintech, consumer lending and credit, or just trying to better understand the benefits, potential tradeoffs, and risks of interest rate caps and stablecoins as a market-based alternative, this episode is essential listening. Credit has a very long history of teaching us that quick fixes often create new problems.

The financial system has run on basically the same payments rails for the past several decades. But there is new infrastructure being built today that takes advantage of the unique capabilities of stablecoins. In some ways, the future is already here as Visa has processed several billion dollars in transactions that have been settled in stablecoins. But who will build the infrastructure needed for credit when we move to this new system?Today's guest is Rhett Roberts, the CEO and Founder of LoanPro. I last had Rhett on the show back in 2021, and needless to say, a lot has changed since then. Part of Rhett's thesis is that this talk around interest rate caps could actually be a catalyst to hasten a movement away from the traditional credit rails. And his company is already working on the systems and protocols to create a new credit infrastructure that runs on stablecoins.In this podcast you will learn:How LoanPro has evolved over the past five years.Why most fintechs are now moving into credit products.Why both banks and fintechs are using LoanPro to launch new credit products.Why the idea of an interest rate cap on credit cards is resonating today.What would happen if a 10% rate cap went into effect.Why this could be great news for BNPL and the other alternative lending products.Rhett's thesis around stablecoins and the value proposition.The elephant in the room for a stablecoin payments network.How a line of credit backed by stablecoins could work in reality.Where the card networks will sit within this new system.How LoanPro is helping to create these processes and protocols.Where we will be in five years time with this new infrastructure.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Buy Now, Pay Later is exploding, but so is consumer debt. Patrick Bet-David and the panel break down record BNPL spending, missed payments, Gen Z risk, and why these “interest-free” plans can quietly become more dangerous than credit cards for everyday Americans.

Find out  which credit cards shine in 2026 and how to avoid rising fees, APR surprises, and buy now, pay later (BNPL) traps. How can you change your spending to better match your values? How do you choose the right credit card in 2026 as perks shift, fees rise, and “buy now, pay later” spreads? Hosts Sean Pyles and Elizabeth Ayoola discuss values-based spending and the credit card landscape to help you make purchases that fit your priorities. They begin with a discussion of aligning money with values, with tips and tricks on auditing your statements for “idle” spending, shopping around for companies and banks that match your priorities, and building accountability so your goals stick. Then, credit card expert Caitlin Mims joins Elizabeth to discuss credit cards in 2026. They cover buy now, pay later and card-based installment plans, what to watch as card perks and annual fees change, and how NerdWallet chose its Best-of Awards winners. Our Nerds researched 280 credit cards, narrowing down to just one winner per category: https://www.nerdwallet.com/l/awards-credit-cards-2026?utm_source=sm&utm_medium=podcast&utm_campaign=cm_organic_011226_podcast_sm_desc_allepisodes_best-of-credit-cards  Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: American Express Platinum Review: Top-Notch Lounge Access, Big Credits  Chase Sapphire Reserve Review: A High-End, High-Maintenance Card  Chase Sapphire Preferred Review: Strong Option for Travel Rewards  Capital One Venture Review: Easy Earnings, Effortless Redemptions  Citi Strata Premier: Big Rewards Across Top Spending Categories  Southwest Priority Card Review: Pay More, Get More  Wells Fargo Active Cash® Card Review: 2% Cash Back With a Bonus  Citi Simplicity Review: 21 Months of 0% to Whittle Down Debt  5 Things to Know About the U.S. Bank Split Credit Card  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Adobe Analytics has reported that "Buy Now, Pay Later" (BNPL) usage hit an all-time high of $10.1 billion in November 2025, and this "phantom debt" doesn't always show up on credit reports immediately.Today's Stocks & Topics: PepsiCo, Inc. (PEP), Market Wrap, “The Holiday Debt Trap: BNPL "Phantom Debt"”, Primoris Services Corporation (PRIM), Firefly Aerospace Inc. (FLY), Commodities, Netflix, Inc. (NFLX), Entergy Corporation (ETR).Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands