Podcasts about bnpl

Understand how Buy Now, Pay Later financing options affect your credit and learn smart strategies for using a six-figure inheritance wisely. How does Buy Now, Pay Later (BNPL) affect your credit score? What's the smartest way to invest or use an unexpected inheritance? Hosts Sean Pyles and Elizabeth Ayoola discuss the evolving credit implications of BNPL services and break down how to manage a money windfall responsibly. Joined by NerdWallet's Anna Helhoski and Jackie Veling, they begin with a deep dive into BNPL, including how it works, why it's becoming more prominent in credit reporting, and how it can either help or hurt your credit depending on your habits. Key takeaways include how new FICO scoring models treat BNPL loans, tips for avoiding pitfalls like loan stacking, and whether BNPL is a wise tool for building credit. Then, investing Nerd Alana Benson joins Sean and Elizabeth to help answer a listener's question about what to do with a $124,000 inheritance. They walk through thoughtful allocation strategies across emergency savings, debt payoff, investing, and even making room for some guilt-free fun. Topics include how timelines impact where you park your money, differences between IRAs and taxable brokerage accounts, when to use a robo-advisor, and how fees can quietly erode returns. Use NerdWallet's free expense ratio calculator to enter your initial investment, future contributions, time horizon and projected annual return in order to compare two expense ratios and find out how much you could lose by choosing the more expensive fund: https://www.nerdwallet.com/article/investing/mutual-fund-expense-ratios  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 In their conversation, the Nerds discuss: BNPL credit score, FICO 10 score, how to use BNPL responsibly, BNPL and credit bureaus, new FICO credit model, inheritance investing, what to do with a windfall, best way to invest $100k, pay off student loans or invest, CD vs high-yield savings, high-yield checking account, IRA contribution limits, Roth IRA or brokerage account, how to use a robo-advisor, best robo-advisors 2025, IRA vs brokerage, investing after inheritance, compound interest calculator, how to build credit, down payment savings tips, investing timelines, financial planning after inheritance, robo advisor fees, expense ratio impact, credit building strategies, high-yield CD rates, traditional vs Roth IRA, 457 plan investing, state employee retirement options, financial windfall tax strategy, 529 college savings plan, credit score and BNPL, and BNPL late payments impact. 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

Are hidden costs and delayed payments reshaping how we buy and sell? In this episode, guest host Joe Campagna is joined by Trey Swallow, SVP of Strategic Partners at Nuvei. They break down surcharges, the BNPL surge, and the regulatory gaps emerging in today's economy. Learn what merchants must know to stay ahead in the evolving payments landscape today! This podcast is brought to you by Americaneagle.com Studios. Follow this podcast wherever you listen to them! Connect with: Lessons for Tomorrow: Website // Twitter // Instagram // Facebook // YouTube Tim Ahlenius: LinkedIn // Twitter Joe Campagna: LinkedIn Trey Swallow: LinkedIn Resources: Nuvei

Buy Now, Pay Later (BNPL) financing continues to grow in popularity. These short-term loans, which are typically 6 weeks and usually interest-free, appeal to consumers who want flexible payments and no credit card debt.Consumer advocates warn that BNPL services make it too easy for people to purchase items they can't afford, which can result in late fees and costly bank charges. Personal finance experts worry about the growing number of people who use BNPL to buy everyday items, such as groceries, gasoline, and food delivery services.In this episode, we discuss how BNPL works, the possible pitfalls, and the smart way to use these short-term loans.Related Consumerpedia Episodes:Episode 80: Debt Busters: Real-Life Success StoriesEpisode 50: Finding a Credit Card That's Right for YouAdditional Resources:Bankrate: About half of buy now, pay later users have experienced issues like overspending and missing paymentsNational Consumer Law Center: Risks and Advice for Buy Now, Pay Later BorrowersConsumer Financial Protection Bureau: CFPB Research Reveals Heavy Buy Now, Pay Later Use Among Borrowers with High Credit Balances and Multiple Pay-in-Four LoansNot a Checkbook member? ⁠⁠⁠⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠⁠⁠⁠.

"Buy Now, Pay Later" (BNPL) can feel like a "treat yourself" pass, but it's not magic; it's psychology. This episode looks at why BNPL systems are so seductive, especially for those with financial instability or emotional trauma. We also look at actionable steps to manage BNPL use, such as identifying the emotions behind spending and addressing financial shame.Transcript: https://savvy-psychologist.simplecast.com/episodes/how-buy-now-pay-later-companies-use-psychology-to-hook-you/transcriptSavvy Psychologist is hosted by Dr. Monica Johnson. Have a mental health question? Email us at psychologist@quickanddirtytips.com. Find Savvy Psychologist on Facebook and Twitter, or subscribe to the newsletter for more psychology tips.Savvy Psychologist is a part of Quick and Dirty Tips.Links: https://quickanddirtytips.com/savvy-psychologisthttps://www.facebook.com/savvypsychologisthttps://twitter.com/qdtsavvypsychhttps://www.kindmindpsych.com/

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I talk about fintech companies that we're definitely not giving investment advice on. We kick things off with Polar (think Stripe Billing but for LLMs). Polar tracks things like token usage, execution time, and even GitHub access to handle metered billing for AI-native products. It's not even payments; it's pre-payments, too. Polar helps you charge for the thing before the thing happens. Hey, as AI agents start shopping for themselves, someone has to keep the receipts… Next up is Multiply Mortgage. “Mortgage-as-a-benefit” sounds cursed, but here we are. Multiply partners with employers to offer discounted mortgages (plus human advisors) to employees with zero cost to the company. Their bet is housing is the new healthcare: too broken to fix individually, but too big for employers to ignore. Especially useful in tech, where compensation is equity-heavy and underwriting gets weird. But it's also a bet on this macro moment in time; if rates drop or unemployment spikes, the model may crack. Then there's OpenTrade. Yield-as-a-service for stablecoins. Most stablecoins can't offer interest directly (thanks, regulators), but OpenTrade does the regulatory gymnastics to plug stablecoins into money market funds via tokenized swaps. But I wonder what's more disruptive: the yield or the regulatory workarounds? You can't stop yield from sneaking in the side door (and honestly, why try?). Last up is Spinwheel (think Plaid, but for liabilities). While Plaid figured out the asset side of your balance sheet, Spinwheel builds pipes for the other half: credit cards, BNPL, student loans, and more. They started with embedded debt repayment and found their niche by giving lenders the kind of granular, real-time liability data that credit bureaus can't (or won't) offer. With Section 1033 on life support, is Spinwheel poised to become the only player with coverage that actually matters? Plus, manifestations: can someone please build a public credit bureau (kind of like a USPS for liabilities)? And while we're at it, a stablecoin for the unbanked/underbanked that isn't built on Tron? 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 Simon: LinkedIn: https://www.linkedin.com/in/sytaylor/ Substack: https://sytaylor.substack.com   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Companies featured: https://polar.sh/ https://www.multiplymortgage.com/ https://www.opentrade.io/ https://spinwheel.io/

The following article of the Finance & Fintech industry is: “The BNPL Advantage: Why Next Growth Wave Will Be Payment-Led” by Héctor Cárdenas, CEO & founder, Conekta.

Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) with my partner-in-fintech-recapping, Jason Mikula. Let's get into it. First up: at long last, FICO score versions now include BNPL data, but there's a catch (several, actually). Affirm is furnishing data, but other major players like Klarna and Afterpay? Not so much. We dig into why most BNPLs resist sharing data (hint: it's expensive, complicated, and gives away their competitive edge), and how open banking could help—if you could reliably connect Klarna to Plaid (you can't). Then, just when we abandon BaaS Island, the CFPB shows up with a lifeboat with a surprise move in the Synapse bankruptcy. A four-page filing could open the door to using the Civil Penalty Fund to repay depositors. It's not quite a fintech bailout, but it might be the cleanest way to make people whole … and quietly shut the whole thing down. All of which still raises the bigger question: why did this happen in the first place (BaaS was supposed to be a thin layer on top of FDIC-insured banks)? Next, FHFA (which oversees Fannie and Freddie,  federal home loan banks, and a whole host of other interesting things) does crypto policy by tweet. Director Bill Pulte told Fannie and Freddie (via Twitter) to undertake a study for accepting crypto as mortgage collateral. According to the latest Federal Reserve data, only 8% of households used crypto in any fashion in 2024. So… why? Because someone asked. And in our Can't Let It Go corner: Jason roasts ABN AMRO's new sub-brand, BUUT (yes, BUUT), while I spiral over Circle's $56B IPO valuation (this is meme coin math applied to a narrow bank!).  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

Lerato Lamola from Webber Wentzel unpacks the retail practice.

In the aftermath of the U.S. bombing of Iranian nuclear facilities, we welcome back Theodore Postol, Professor of Science, Technology and National Security Policy Emeritus at MIT to give his expert technical assessment on where that assault leaves the Iranian nuclear program. Then, Trita Parsi, executive vice president of the Quincy Institute for Responsible Statecraft, gives us his analysis of the political side of the issue.Theodore Postol is Professor of Science, Technology and National Security Policy Emeritus in the Program in Science, Technology, and Society at MIT. His expertise is in nuclear weapon systems, including submarine warfare, applications of nuclear weapons, ballistic missile defense, and ballistic missiles more generally.No one at that point after the attack could have known whether or not there was success of any kind, even if there was success. And I doubt there was any success.Theodore PostolThe Israelis have done everything in their power to create an internal argument among the political leadership in Iran to proceed to build a nuclear weapon so that this kind of thing won't happen again. So the Israeli grand strategy, if you want to call it that, shows no intelligence or thought of any kind.Theodore PostolTrita Parsi is the executive vice president of the Quincy Institute for Responsible Statecraft, and the co-founder and former President of the National Iranian American Council. He is an expert on US-Iranian relations, Iranian foreign policy, and the geopolitics of the Middle East. He has authored three books on US foreign policy in the Middle East, with a particular focus on Iran and Israel— Treacherous Alliance: The Secret Dealings of Iran, Israel and the United States, A Single Roll of the Dice – Obama's Diplomacy with Iran, and Losing an Enemy: Obama, Iran and the Triumph of Diplomacy.Israel is not enhancing American power in the Middle East. Israel is consuming it.Trita Parsi, Executive VP of the Quincy Institute for Responsible StatecraftIf the (Iranian regime) were to collapse it would most likely be because there would be an internal coup. And the next regime would be coming from the very same regime. It would just be a much more aggressive and hardline.Trita Parsi20 Worst Recent Trump Headlines1. Trump Administration Abruptly Cuts Billions From State Health Services (Apoorva Mandavilli, Margot Sanger-Katz and Jan Hoffman, New York Times, March 26, 2025)2. The EPA is canceling almost 800 environmental justice grants, court filing reveals (Maxine Joselow and Amudalat Ajasa, Washington Post, April 29, 2025)3. Trump's attack on federal unions a ‘test case' for broader assault, warn lawyers (Michael Sainato, The Guardian, 5/1/25)4. Trump fires all 3 Democrats on the Consumer Product Safety Commission (Jaclyn Diaz, NPR, 5/9/25)5. Federal employee unions fight for survival as Trump tries to eviscerate them (Andrea Hsu, NPR, 5/11/25)6. Trump's DOJ agrees to let Boeing escape guilty plea. It was a deal victims' families didn't want. (Alexis Keenan, Yahoo Finance, 5/23/25)7. Trump made a promise not to touch Medicare. His megabill just broke it. (Alan L. Cohen, NBC, 5/23/25)8. Trump's safety research cuts heighten workplace risks, federal workers warn (Michael Sainato, The Guardian, 5/27/25)9. Provision in GOP budget bill puts millions at risk of losing SNAP benefits (Lisa Desjardins and Jackson Hudgins, PBS, 5/29/25)10. White House proposes shutting down chemical safety agency (Maxine Joselow Washington Post, 6/3/25)11. Trump tax bill would add $550 billion in interest payments to national debt (Jacob Bogage, Washington Post, 6/5/25)12. RFK Jr. boots all members of the CDC's vaccine advisory committee (Will Stone, NPR, 6/9/25)13. Vance, Rubio peddle fiction that 88 percent of foreign aid doesn't go overseas (Glenn Kessler, Washington Post, 6/11/25)14. Trump's EPA plans to repeal climate pollution limits on fossil fuel power plants (Jeff Brady, NPR, 6/11/25)15. How Trump's assault on science is blinding America to climate change (Scott Waldman, E&E News, 6/16/2025)16. ‘Censorship:' See the National Park visitor responses after Trump requested help deleting ‘negative' signage (Government Executive Magazine, 6/18/25)17. Government drops cases against ‘predatory' financial firms (Peter Whoriskey, Washington Post, 6/20/25)18. 'Hell no, insane': A proposal for millions of acres of land under Trump's 'big, beautiful' bill sparks outrage (No Byline, Economic Times, 6/23/25)19. Under Trump's ‘Big, Beautiful Bill' child poverty will rise again (Arturo Baiocchi, Sacramento Bee, 6/23/25)20. Trump loves saying 'You're fired.' Now he's making it easier to fire federal workers (Andrea Hsu, NPR, 6/23/25)News 6/27/251. After a brutal initial barrage by the United States, followed by tit-for-tat exchanges between Israel and Iran, the U.S. is seeking to broker a ceasefire between the two states. On Truth Social, Trump posted “ISRAEL is not going to attack Iran. All planes will turn around and head home, while doing a friendly ‘Plane Wave' to Iran. Nobody will be hurt, the Ceasefire is in effect!” Just hours after this however, Israel did in fact bomb targets in Tehran, per Reuters. Israel also claims to have intercepted missiles fired from Iran following the ceasefire agreement. In the wake of the initial attacks, journalist Séamus Malekafzali reported that the “Iranian communist party Tudeh and the Communist Party of Israel [Hadash] release[d] a joint statement condemning the Israeli war on Iran, saying Israel's intent is to make the region ‘bow down to [US] imperialism' and that the only solution is full nuclear disarmament in the Middle East.” Israel's nuclear capabilities are an open secret in Washington, with estimates that the country possess between 90 and 400 nuclear warheads.2. In Congress, Senator Tim Kaine of Virginia has put forth a War Powers resolution in an attempt to check Trump's unilateral escalation in Iran. According to Newsweek, he expects to get Republican votes in the Senate. In the House, the effort is led by Reps. Ro Khanna and maverick Republican Thomas Massie, whom Trump has become so enraged with that he recently launched a PAC to oust him from his seat, per Axios. Meanwhile, AOC issued a statement reading, “The President's disastrous decision to bomb Iran without authorization is a grave violation of the Constitution and Congressional War Powers. He has impulsively risked launching a war that may ensnare us for generations. It is absolutely and clearly grounds for impeachment.” Speaker Emerita Nancy Pelosi, asked about AOC's impeachment comments, replied “No, no, that's a big threshold to cross,” per David Weigel.3. The escalation in Iran has exposed fissures in Trump's orbit. PBS reports major MAGA figures like Steve Bannon, Tucker Carlson and Marjorie Taylor-Greene are openly opposed, while Director of National Intelligence Tulsi Gabbard has reportedly drawn Trump's ire for a string of comments out of step with the administration's messaging, starting with a video earlier this month in which she accused “political elites and warmongers [of] carelessly fomenting fear and tension between nuclear powers,” per the Independent. Defense Secretary Pete Hegseth has been iced out completely, according to the Washington Post.4. In more news concerning the administration, the Project on Government Oversight (POGO) has published a new report, finding that “Stephen Miller…Trump's powerful deputy chief of staff and homeland security advisor…has a personal financial stake…[of] up to a quarter million dollars of stock in Palantir.” POGO describes Palantir, the shadowy tech company founded by rightwing tech oligarch Peter Thiel, as “woven into the operations of U.S. Immigration and Customs Enforcement (ICE) and used by other federal agencies such as the Pentagon.” POGO and other experts see this as a glaring potential conflict of interest. In an almost darkly comedic twist, “Democratic lawmakers have recently sought information from Palantir, [but] they are in the minority and cannot compel the company to produce records. A person who could is Representative James Comer (R-KY), the chairman of the [House] oversight committee...However, Comer bought…Palantir stock the day after Trump's inauguration…his only stock trade that day.” Palantir is the second-best-performing S&P 500 stock in 2025, with shares up 74% year-to-date, per Business Insider.5. In a rare case of corruption actually being prosecuted, the New York Times reports former New Jersey Senator Bob Menendez reported for his eleven-year prison sentence on June 17th. “After a nine-week trial in Manhattan, Mr. Menendez…became the only U.S. senator ever to be convicted of acting as an agent of a foreign government,” after taking part in a “yearslong bribery conspiracy” that included payoffs in the form of “kilo bars of gold, a Mercedes-Benz convertible and more than $480,000 in cash.” Menendez is now incarcerated at the Federal Correctional Institution, Schuylkill, a medium-security federal prison in Minersville, Pennsylvania. He has been assigned the prisoner number 67277-050.6. In other news, POLITICO reports, “FICO plans to launch a suite of credit scores later this year that incorporate [Buy Now Pay Later or BNPL] data, providing lenders a window into…consumers' repayment behavior on these increasingly popular installment loans.” As BNPL data has not been included in credit reporting before, this has become known as “phantom debt…a gigantic black box…[and] largely unregulated.” This story notes that the Trump administration CFPB has “dropped planned enforcement of a Biden administration rule that would have treated BNPL providers like credit card companies,” subjecting this industry to daylight and financial regulation. The administration's abandonment of this rule mirrors their declassification of cryptocurrency as securities in order to skirt SEC oversight. Many questions remain over how exactly BNPL data will factor into consumers' credit scores, but many are bracing for this data to reveal a growing chasm of consumer debt underpinning the already shaky economic picture.7. Meanwhile Mahmoud Khalil, the Columbia University student and activist abducted by ICE on the eve of his son's birth – despite being a legal permanent resident – has finally been freed. Khalil was held in federal immigration detention in Louisiana for 104 days, per AP. Following his release, Khalil said “Justice prevailed, but it's very long overdue.” Khalil's legal battle will continue. Khalil stated in an interview with NPR, “My release is just the first step. The legal fight is still very, very long. The administration appealed the decision about my release, but we will prove our case – that what happened…was textbook retaliation against the First Amendment, that I was targeted because of speech the government did not like, and that there was nothing wrong with the speech I was engaged in. I want to make sure that everyone who contributed to my arrest will be held accountable.”8. Backlash to Trump's immigration policies is not confined to the political and legal realms either. Newsweek reports that the new Pope, Leo XIV, has “called for priests, deacons and parish leaders to accompany migrants to court and stand in solidarity with them.” This is an encouraging sign for those who hoped Leo would follow in the footsteps of Pope Francis. It also puts the new Pope at odds with more conservative American Catholics, such as Vice-President JD Vance who converted in adulthood. In May, Leo's brother John Prevost told New York Times that the new Pope, “has great, great desire to help the downtrodden and the disenfranchised, the people who are ignored.”9. In another immigration flashpoint, “A gang of masked federal agents swarmed, manhandled, and detained New York City Comptroller Brad Lander…as he sought to assist a defendant out of immigration court,” according to the American Prospect. The Prospect notes this arrest is “the latest instance of political violence against opposition party members, which has included the arrests of Newark Mayor Ras Baraka and New Jersey Rep. LaMonica McIver…the arrest of Milwaukee County Circuit Judge Hannah Dugan…and the brief detention of Sen. Alex Padilla.” Lander was released several hours after he was detained, when New York Governor Kathy Hochul showed up in person to demand his release. She called his arrest “b******t.” Later, in an interview with Joe Gallina, Lander said, “Courts tell undocumented immigrants their cases are ‘dismissed.' But what they really dismiss… is their asylum status. Then ICE grabs them. No lawyer. No warning.”10. Finally, 33-year-old democratic socialist Zohran Mamdani trounced disgraced former Governor Andrew Cuomo in the New York City Democratic mayoral primary on Tuesday, winning by a completely unforeseen seven-point landslide. Polls up to election day showed Cuomo winning, some by as much as 24 points. Mamdani, a state legislator since 2021, ran on a platform of affordability, including making city buses free, establishing city-owned grocery stores and freezing the rent for all stabilized tenants. This platform – paired with cogent messaging, an extraordinary grassroots organizing campaign and shrewd alliances with other progressive candidates like Brad Lander – won the day for Zohran. However, an air of uncertainty about November remains. Incumbent Mayor Eric Adams still plans to run for reelection as an independent and Cuomo hasn't ruled out doing the same, per the Hill. While many who endorsed or donated to Cuomo in the primary – some now openly admitting they merely did so out of fear of reprisal – have switched their allegiance to Mamdani, some are maintaining a hostile posture towards the presumptive Democratic nominee. There is no doubt this story will proceed in dramatic fashion.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Welcome to Omni Talk's Retail Daily Minute, sponsored by Retail Club and Mirakl. In today's Retail Daily Minute:McDonald's and Krispy Kreme call it quits, ending their nationwide rollout plan after realizing the doughnut pilot wasn't scalable due to cost and distribution challenges.Klarna integrates with Google Pay, enabling U.S. users to split purchases into BNPL installments as the fintech expands its reach through mainstream mobile wallets.Walmart to train 100,000 Indian small businesses through its Vriddhi program, deepening its investment in MSMEs and strengthening its international supply chain and marketplace ecosystem.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!

Are you caught in the cycle of 'buy now, pay later'?

Earlier this month, new regulations for buy now, pay later (BNPL) services in Australia came into effect. Here, a BigLaw partner explains how and why this has come to pass and what the implications are for consumers and practitioners alike. In this episode of The Lawyers Weekly Show, host Jerome Doraisamy speaks with Dentons partner Yechiel Belfer about the circumstances, including the banking royal commission, that have led to the introduction of the BNPL laws, the headline takeaways from the new regulations, and what it all means for providers, customers, and professionals as a result. Belfer also touches on whether the laws strike the right balance, the challenges for lawyers moving forward, how practitioners can move forward, and whether there are opportunities to grasp to better service clients. If you like this episode, show your support by  rating us or leaving a review on Apple Podcasts (The Lawyers Weekly Show) and by following Lawyers Weekly on social media: Facebook, Twitter and LinkedIn. If you have any questions about what you heard today, any topics of interest you have in mind, or if you'd like to lend your voice to the show, email editor@lawyersweekly.com.au for more insights!

Today's Headlines: Iran officially retaliated for the U.S. bombing of its nuclear sites by launching missiles at a U.S. base in Qatar—none hit, thanks to Qatari defenses. President Trump thanked Iran for the “early notice” and mocked the attack as “very weak,” while urging oil producers to keep prices down and demanding the Energy Department “DRILL BABY DRILL.” Trump later declared a 12-hour ceasefire between Israel and Iran, claiming the war is over. Reporting revealed he was warned by Iran of potential sleeper cell attacks in the U.S. and used vague public statements to mask his true plans. His decision to strike was reportedly influenced by Fox News coverage and online sentiment, leading one military official to call him the “biggest threat to operational security.” Globally, Iran's foreign minister met with Putin, who condemned the strikes but didn't pledge support. Meanwhile, Russia, China, and Pakistan introduced a UN resolution condemning the U.S., which America is expected to veto. Japan and South Korea pulled out of the NATO summit, citing the Middle East conflict. Domestically, the Supreme Court ruled 6–3 to allow Trump's administration to deport migrants to third countries, and the administration also overrode a federal judge's order to release smuggling suspect Kilmar Abrego Garcia. ICE had already planned to detain him regardless. In finance, FICO announced it will start factoring buy-now-pay-later (BNPL) loans into credit scores, affecting 90+ million Americans—raising concerns over debt risk in an already fragile consumer economy. And nearly 190 million Americans are under heat advisories as a record-breaking “heat dome” grips the US, setting over 360 daily high temp records last week alone. Resources/Articles mentioned in this episode: Axios: No casualties reported after Iran missile attack on U.S. base in Qatar NY Times: How Trump Decided to Strike Iran WSJ: Putin Tells Iranian Envoy U.S. Strikes Weren't Justified AP News: Iran-Israel live updates: Trump says countries agree to ceasefire The New Republic: Countries Ditch NATO Summit After Trump Decision to Bomb Iran AP News: Supreme Court allows Trump to restart swift deportation of migrants away from their home countries NYT: Judge Orders Abrego Garcia Released on Smuggling Charges Before Trial Axios: FICO credit scores to include buy-now-pay-later loans  Axios: Millions at risk amid widespread heat wave Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

FICO turns to BNPL data and Fiserv embraces a new stablecoin. Andy Cross, Jason Hall, and Matt Frankel discuss: - FICO to include BNPL data - The importance of Tesla's robotaxi - Tesla's advantages and challenges in self-driving - Fiserv launches its own stablecoin Companies discussed: FICO, TSLA, GOOGL, UBER, FI, PYPL, CRCL, SHOP Host: Andy Cross Guests: Jason Hall, Matt Frankel Engineer: Dan Boyd Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, "TMF") do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Exiting politics and straight into the banking lobby – Simon Birmingham gets a new gig. Missing out on a face-to-face meeting with the US, does Anthony Albanese now turn to other markets on trade? It could affect your credit score under new laws, so should we be more wary of BNPL services? Lacking action all week, the ASX 200 finishes Friday trade in the red. Interviews with Leigh Howard, Asialink Business CEO & Carrie Cheung, Head of Insights at Equifax Email us your thoughts to moneynews@nine.com.au Developed & Hosted by: Tom StoreySee omnystudio.com/listener for privacy information.

In this episode of You Have My Interest, we take a deep dive into the new regulations affecting Buy Now Pay Later (BNPL) services in Australia and what they mean for everyday consumers. From 10 June, providers like Afterpay and Zip must operate as regulated credit products. This means holding an Australian credit licence, performing checks on new applicants, and reporting repayments and missed payments to credit bureaus.We explore how these changes can impact your credit score, especially if you are a heavy BNPL user or frequently apply across multiple providers. We also share practical advice for home loan seekers, including the importance of staying on top of repayments, how outstanding BNPL limits can influence your borrowing capacity, and why even small debts may matter.Join us for practical tips on managing BNPL facilities, protecting your credit, and understanding how lenders view these products when assessing your borrowing power.Find out your next step in property finance:You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.Find out more and book in your free initial consultation at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.everlend.com.au/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get in touch:Find out more about You Have My Interest at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠everlend.com.au/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and connect with us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast@everlend.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.If you need mortgage or finance advice tailored to your own personal situation, contact ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Everlend⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222Podcast produced with ⁠Real Time Virtual Assistance

Buy Now, Pay Later is everywhere, but is it helping or hurting your finances? We uncover the dangerous reality behind BNPL services, how they encourage overspending, and why young consumers are particularly at risk. Then we answer your financial questions about The Financial Order of Operations, down payments, budgeting vs. cash management plans, and a whole lot 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

A new automaker is looking to bring a splash of French panache to Canada's EV market. You know the economy's in a weird place when Beyonce tickets and late-night DoorDash orders are getting financed like mortgages.

We set a 20 minute timer and yap about the recent news around Buy Now Pay Later becoming available for food delivery in the US, what this means from a social and financial perspective, and the broader context of our culture of convenient food delivery.See omnystudio.com/listener for privacy information.

To say it has been a busy year for fintech policy folks would be a gross understatement. With the change in administration to Trump 2.0, we have a 180-degree different perspective on most fintech issues than the previous administration. And there have already been many actions taken by the Trump White House that will have far-reaching implications for fintech.To help us unpack all these issues, I invited back to the show, Penny Lee, the CEO of the Financial Technology Association (FTA) and one of the leading voices in Washington for our industry. In addition to navigating all the complex regulatory changes, the FTA is also putting on their annual CEO Summit this month and, as of this writing, tickets are still available.In this podcast you will learn:The state of play in Washington today and its implications for fintech.Why rescinding the 1033 rule would be such a big deal.How they will be fighting this in court.Why this will be in the court system for a while, whoever wins the initial decision.Where the FTA stands on payments modernization.Penny's thoughts on the remittance tax provision of the Big Beautiful Bill.The BNPL bill that was passed in New York and its impact on the industry.What the FTA is doing with Earned Wage Access initiatives in the states.The state of play for AI regulation in the states as well as the federal level.The prospect for a federal AI bill this year.Details of the annual FTA CEO Summit in Washington happening on June 25.Who is going to be on stage from industry and government.What else FTA members are doing while they are in DC.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 (BNPL) services like Afterpay and Zip are now officially treated as credit products under new Australian regulations. From mandatory credit checks to tighter consumer protections, the reforms aim to curb rising debt and protect vulnerable users. While advocates welcome this long-overdue move, concerns remain about people juggling multiple BNPL accounts and falling into debt traps. With late fees historically making up a large share of revenue, the changes mark a major shift in how these services operate.

The trade of the year so far. Bromance ends bitterly, savings are close to target, and loan limits could cause a shortage of doctors. Plus the rise of Buy Now/Pay Later and the 401(k) hierarchy trap.

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I talk about fintech companies that we're definitely not giving investment advice on!  We kick things off with Nekuda. Human-not-present is the new card-not-present. Nekuda's building SDKs (software development kits) for agentic checkout, so your AI assistant can securely store and inject payment credentials at just the right moment. This is Visa's “agent on file” era. We've spent a decade trying to keep bots out of commerce. Now we're figuring out how to let the right ones in (without blowing up the fraud model). What happens to trust, attribution, and liability when no human's at the checkout? Next is Vontive. Call them embedded mortgage lending for investment properties (basically, BNPL for real estate investors).They raised $135M in 2022, just added fresh equity from Citi, and secured a $150M revolving securitization shelf. They connect proptech platforms, banks, and marketplaces with private credit, so those platforms can embed short-term bridge loans or long-term rental mortgages directly into their UX. They don't hold the loans, but they do centralize underwriting across a very regionally variable asset class. And that can get risky fast. Then, there's Atticus, a stablecoin neobank in extreme stealth mode (with Palmer Luckey reportedly leading a new round at a $2B valuation). So naturally, we speculated: is Atticus a stablecoin bank with Fed access? A defense-industrial banking layer with regulatory immunity? If the GENIUS Act passes, this could be the first stablecoin issuer with full access to traditional rails. Finally, there's Affiniti. Embedded, vertical-specific SMB credit cards. Affiniti partners with trade associations (pharmacists, HVAC techs, auto dealers) to co-brand its SMB credit cards and distribute to pre-qualified member bases. They hit $5.5M ARR in year one and are on pace for $1B in transaction volume this year. Their edge is twofold: tailored underwriting based on industry norms, and an AI-powered CFO agent that flags anomalies, forecasts bills, and suggests vendor strategies. It's Ramp-as-a-service for the parts of the market that Ramp and Brex won't touch. The scaling question then becomes: choose depth (more products) or breadth (more industries)? We'll be watching. Plus, a manifestation: can someone please build a model that uses cashflow data to detect early signs of gambling addiction? It's doable, valuable, and might just save lives. This episode is brought to you by: 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. 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 Simon: LinkedIn: https://www.linkedin.com/in/sytaylor/ Substack: https://sytaylor.substack.com   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Companies featured: https://nekuda.ai/ https://www.vontive.com/ Atticus (extreme stealth mode is right) https://affiniti.finance/

With Amazon launching a marketplace offering, could Wesfarmers, Harvey Norman and JB Hi-Fi be shaking in their boots? MARKET WRAP: ASX200: up 0.06% to 8,592 GOLD: $3,338 US/oz BITCOIN: $168,037 AUD An earnings guidance increase for BNPL company Zip helped its shares more than 15% higher. Monash IVF rebounded from yesterday’s drop, gaining 11% Fletcher Building told the market that it’s fielding inquiries on its business, helping it to lift 10% to $3.08. Qantas offloading JetstarAsia saw it down 1.3% to $10.50 on the day. Perseus Mining down 6% to $3.62. Xero down 2.3% and Technology One falling 3.8% Commbank losing 0.3%, with NAB down the same amount. CURRENCY UPDATE: AUD/USD: 65.2 US cents AUD/GBP: 48.3 pence AUD/EUR: 57 Euro cents AUD/JPY: 94 Japanese yen AUD/NZD: 1.08 NZ dollars See omnystudio.com/listener for privacy information.

Send us a textThis week on Haunt Weekly, we're talking about the relatively new practice of "Buy Now, Pay Later," a form of short-term loan that many are using to make expensive purchases. To the older crowd, it might not seem like that big of a deal. However, to your younger audience, this is rapidly becoming one of the most popular methods of payment. This is especially true for "treat yourself" purchases, you know, like haunt tickets.So sit down as we discuss the practice in full and decide if it's something that haunts should participate in.This Week's Episode Includes:1. Intro2. Work We Did for the Haunt3. Question of the Week4. What is BNPL5. The Customer's Perspective6. The Merchant's/Financer's Perspective7. Reasons to take BNPL8. Reasons to Avoid It9. ConclusionsAll in all, this is one episode you do NOT want to miss!Get in Touch and Follow Us!Facebook: @HauntWeeklyTwitter: @HauntWeeklyYouTube: @HauntWeeklyEmail: info@hauntweekly.com

Buy now, pay later (BNPL) plans are popular but can lead to debt if not managed carefully. Mark and I discuss this and more. Have a money question? Email us ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠Jill on Money Newsletter⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠@jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Das Startup hat sich vorgenommen, die stark fragmentierte BNPL-Branche zu vereinfachen. Wie das gelingen soll, erklärt Co-Gründer und CEO Cihan Duezguen im Gespräch mit Jochen Siegert.

Alex shares a candid take on the risks behind the rise of Buy Now, Pay Later (BNPL) services like Klarna, Afterpay, and Affirm.Inspired by a recent LinkedIn post and his appearance on the Moneywise for Teens podcast, Alex breaks down why these easy credit options aren't always as harmless as they seem—especially for younger consumers.Learn how BNPL can lead to overspending, credit pitfalls, and long-term financial stress—and why “Save Now, Buy Later” is a far better mantra.Take a Survey for a Chance to WinHey friends—can you do me a quick favor? I'm running a short survey to get your take on my podcasts and ⁠⁠All the Fits That's News⁠⁠ newsletter. It only takes about 2 minutes, and your feedback will help shape what comes next.Whether you're a regular listener or just pop in occasionally, I'd really value your input. Bonus: you can enter to win a $20 Amazon gift card just for participating.The survey closes once we hit our target number of responses—or by June 30, 2025, whichever comes first.

In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay.Matt dives into the evolving landscape of vertical SaaS, why embedded fintech still has massive untapped potential, and how PE and VC are converging to create new opportunities. He also shares lessons from founding Bonsai, including counterintuitive insights about customer feedback and learning rate. They cover founder-investor dynamics, the future of BNPL, and Matt's writing process behind his popular “X topic in 1,000 words” series.If you're building in fintech, SaaS, or just want to understand the deeper trends shaping both, this is a must-listen.

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute:Peloton launches "Repowered," a branded resale marketplace for used bikes and gear, aiming to monetize idle inventory, lower churn, and bring secondhand buyers into the subscription ecosystem.PayPal and Klarna roll out physical payment cards, bringing their BNPL and digital finance features into brick-and-mortar retail — a bold shift that could challenge traditional credit cards and expand their reach among everyday shoppers.Marks & Spencer turns to in-store job fairs as a ransomware attack cripples its online hiring system, prompting walk-in recruitment days across the U.K. to keep store staffing on track.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!

There's a $260B SME financing gap in MENA, and most players are still offering copy-paste solutions.In this episode of Couchonomics with Arjun, Craig Moore, Founder and CEO of Beehive, shares how one of the region's original fintechs is tackling real problems with real results.Since 2014, Beehive has built a lending model that combines technology, regulatory know-how, and operational depth to serve the segment banks continue to overlook.In this conversation, we explore: • What SME lending looks like on the ground in the GCC • Why Beehive shifted from peer-to-peer to institutional capital • How investor appetite is changing, from family offices to global VCs • The practical role of AI in credit decisioning • Beehive's plans for expansion into Saudi Arabia, Oman, and more

Should you put your DoorDash burrito on a payment plan? Probably not. But Klarna co-founder and CEO Sebastian Siemiatkowski argues the rise of "buy now, pay later" -- or BNPL -- services like his are a good thing. He joins Audie to talk about his “healthier” credit alternative, and whether the rise of BNPL is a sign of larger economic strain.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

You could have seen this coming... Operators of those popular 'Buy Now, Pay Later' programs say losses are mounting as more consumers fall behind on their commitments, and the system is set up to make it difficult to get back on track (at 13:15) --- Around Town: It's time once again to Rally in the Alley... the downtown party to kick off your summer weekends (at 24:00) --- That's a wrap... We say goodbye to a friend and colleague as longtime Findlay broadcast executive Dave Glass calls it a career (at 45:34)

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.

Buy Now, Pay Later services such as Klarna, Zilch, and Afterpay allow consumers to obtain goods immediately and pay over time without credit checks or regulatory oversight, increasing accessibility and risk. Cognitive overload at checkout and prominent BNPL options encourage impulsive spending, with nearly half of purchases in clothing and fashion and one in four users financing groceries. Forty-one percent of users reported late payments, and many manage multiple active loans, compounding debt risk. Experts recommend pausing before purchases and tracking loans to avoid financial pitfalls associated with these services.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

“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

In this episode, I had the chance to talk with Arad Levertov, cofounder and CEO of buy now, pay later lender Sunbit. Arad started Sunbit 10 years ago — long before BNPL as we know it today exploded in popularity during the early days of the COVID pandemic. Arad and I had a chance to discuss:* What differentiates Sunbit from other BNPL providers in a crowded market* Why distribution is key in lending, particularly in BNPL* Sunbit's unique approach to underwriting borrowers that allows it to approve 9 out of 10 applicants* How Sunbit stays ahead of emerging macroeconomic shifts* And more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

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).

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

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.

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

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

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.