Podcasts about bnpl

Primark has introduced Buy Now Pay Later options through Klarna and Clearpay... marking a major milestone in BNPL's journey from innovation to mass adoption. This episode, sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, and Quorso, explores what this means for retailers. Chris declares that BNPL has officially "crossed the chasm", seven years after it first emerged at Shop.org in 2018. When you can buy $4 shirts on installments, there's no turning back. Anne shares shocking data: 25% of Americans now use BNPL for groceries, up from 14% just a year ago. For the full episode head here: https://youtu.be/wZ9XYQsclAU #primark #buynowpaylater #klarna #clearpay #bnpl #retailpayments #paymentinnovation #retailtech #affordablefashion #retailnews

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Target launches an AI-powered gift finder, list scanner, and gamification features in its app to boost holiday shopping engagement and basket sizes.Primark introduces Buy Now, Pay Later options with Klarna and Clearpay in UK stores, joining the BNPL trend as new regulations approach.Grocery Dealz integrates with Instacart's Developer Platform, offering users same-day delivery while comparing prices across retailers.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!

Our third episode from Money20/20 USA and the second of two recorded in partnership with Sumsub and their What the Fraud? podcast. We hand over hosting duties to Anastasia Shvechkova, Sumsub's, Sales Director for the Americas who chats to leading industry voices including: 1/ Jennifer Lassiter, Head of Digital Assets for Europe and Americas, Standard Chartered 2/ André Peixoto, Director of Operations, Ebanx 3/ Craig Timm, Sr. Director of AML, ACAMS 4/ Brigette Korney, Global Head of Risk, Adyen 5/ Nathan Marion, Head of B2B, Nubank We dive into the modernization of dollar infrastructure, fraud in emerging markets, the reshaping of AML expectations, unified data strategies, Web3 compliance, BNPL risk and the accelerating influence of AI across global payments. A wide-ranging look at the shifts redefining trust, innovation and financial crime prevention.

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Jennifer Tescher, founder and CEO of the Financial Health Network (who's spent the last two decades measuring, defining, and holding the industry accountable for consumers' financial well-being). We dig into the latest FinHealth Spend Report, which found that U.S. households paid $455B in interest and fees last year (a $100B jump in just two years!), and unpack what that says about the fragility of American households. From student loans and BNPL to agentic AI to the design of financial products, this conversation covers the hidden costs of “frictionless” finance … and why real innovation might mean adding friction back in. Highlights include: Why the $455B consumers paid in fees and interest is a canary in the coal mine for the economy (and how credit card debt and student loans are driving the jump) How the uncertainty around student loan forgiveness has frozen households in place, changing decisions about careers, housing, and family Whether BNPL helps or harms consumers (and why frictionless payments may have gone too far) Why agentic commerce risks turning AI into a 24/7 sales engine (and what it would take to build AI that actually improves financial health) How Financial Health Network's new product design standards are nudging banks and fintechs to compete on doing right by customers This episode is a sweeping, candid look at the real state of consumers' financial health (and how design, data, and AI could either fix it or make it worse). Thanks for listening!   This episode was brought to you by Marqeta. Don't sacrifice agility for stability. With Marqeta, launch payments experiences that perform at scale and flex with your business. Learn more at https://marqeta.com/ftt 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 Jennifer Tescher: LinkedIn: https://www.linkedin.com/in/jennifertescher/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

On this episode Pat sits down with Pedro Vallenilla, Co-Founder & CEO of Cashea, Venezuela's leading BNPL and Fintech platform in the country that is reinstalling access to credit for millions of Venezuelans. Pedro is a true serial entrepreneur with Cashea as his fourth venture, he has shown incredible grit and is now bringing consumer credit back to his home country. We chat about:- What happens to an economy if you remove access to credit- How Cashea is fixing it- Putting the flywheel together and why Cashea won't stop with BNPL- The early days of Cashea, getting the first customers in and building the productWant to stay up-to-date on latest episodes?Follow The Enthusiast wherever you are getting your podcasts and make sure to check out our newsletter on LinkedIn⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠ to stay up to date on our latest episodes with founders and investors beyond the Valley.Follow Pat on LinkedIn ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠.

#Buy Now Pay Later வர்மா? சாபமா?

Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL's rapid growth collided with transparency as FICO pulls installment data into mainstream credit scoring. Along the way, we explore why a checkout that ignores local habits can sink conversion, with Poland's BLIK and parcel lockers as proof that acceptance is end-to-end, not just a card toggle.We also separate headline hype from bank-grade reality on digital assets. Stablecoins may dominate newsfeeds, but hidden on-ramp, FX, and compliance costs often dull their edge. Tokenized deposits—regulated bank money represented digitally—offer a cleaner fit with existing oversight and core systems, turning DLT into a cheaper rail rather than a new currency. Then we zoom out to the strategic map: the U.S. normalizing stablecoins and the EU weaving MiCA, DORA, and PSD3 into resilience-first rails. Who scales faster: dollar-denominated networks or integrated euro infrastructure?The final act looks straight at autonomy. India's live UPI pilot links AI agents to real payments, where your assistant buys the coffee, picks the optimal card, and reallocates your cash to the highest yield—no human required. That's an earthquake for loyalty programs and deposit margins built on inertia. We confront the European roadblocks—SCA's human-in-the-loop, GDPR's purpose limits, and the AI Act's high-risk rules—and the looming question of liability when an agent misfires. Our message is clear: don't chase headlines, chase readiness. Build shared trust layers, adopt standardized identity, and make product terms machine-readable so you can switch on agent-safe capabilities in weeks, not years. If this conversation sparked ideas or pushback, subscribe, share with a colleague, and drop a review telling us whether you think brand loyalty survives relentless optimization.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

Likefolio's Andy Swan discusses Affirm (AFRM) ahead of its earnings report. Andy calls it “the most disciplined and durable” of the buy now, pay later services and thinks it is targeting quality over quantity. He compares their web visits to their stock price and calls it the “category leader by usage.” While some competitors have higher growth in visits, Andy argues that Affirm already has a much larger user base.======== 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

The BNPL world just changed — and if you're a merchant, you're not as safe from it as you think.The CFPB's new Buy Now, Pay Later regulations are aimed at BNPL providers, but the fallout will hit sellers next. Expect higher fees, tighter approvals, and more limits on who can use these services — especially if your store falls under “high-risk”.And it doesn't stop there. These changes will also affect how customers see and use BNPL. As fees rise and approvals drop, BNPL could become a less appealing checkout option — hurting conversions and your overall payment flexibility.In this episode, payments expert Maria Sparagis breaks down what's happening behind the scenes, how these new BNPL rules will impact merchants directly, and what you can do right now to stay ahead — from reviewing your BNPL performance to adding better alternative payment methods before costs skyrocket.Because when BNPL fees jump or customers start getting declined… it's your sales that take the hit.✅ You'll learn:What the CFPB's BNPL regulations actually changeWhy merchants will feel the ripple effects firstHow rising BNPL fees can erode profit marginsWhy high-risk stores may lose access entirelySmart next steps for merchants in 2025If you're offering Klarna, Afterpay, or Affirm, this is your BNPL wake-up call.As BNPL rules tighten, flexible payment options will matter more than ever.DirectPayNet helps merchants diversify with ACH, international, and high-risk payment solutions built for growth. Get in touch today!

Stephen Grootes speaks to Consumer ninja Wendy Knowler about Takealot’s expansion of its Buy Now Pay Later (BNPL) offerings, following up on last week’s discussion about the appeal of interest-free payments and the risks of late fees, as the platform adds PayJustNow alongside its existing PayFlex option. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Consumer ninja Wendy Knowler about Takealot’s expansion of its Buy Now Pay Later (BNPL) offerings, following up on last week’s discussion about the appeal of interest-free payments and the risks of late fees, as the platform adds PayJustNow alongside its existing PayFlex option. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Ted Rossman, Senior Industry Analyst at Bankrate, joins Lisa Dent to discuss how rising prices will impact holiday plans. Ted shares that many holiday shoppers and travelers plan to use credit cards and to utilize debit card’s ‘buy now, pay later services (BNPL)’ per Bankrate's 2025 Holiday Spending Report. Then, Rossman breaks down more details […]

The wildest hocus pocus you'll see this Halloween isn't in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you've already swiped your way into one of these spells.

Christian Widhalm, CEO of Bloom Credit, joins the latest episode of Extra Credit to unpack the evolving landscape of credit data furnishment. Christian shares how Bloom is tackling the limitations of legacy credit reporting formats — originally designed for traditional products and monthly cycles — and helping lenders report both conventional and alternative data more accurately and in real time. The conversation covers the rise of BNPL, the promise of transactional data for underserved consumers and regulatory headwinds shaping open banking. Widhalm also weighs in on why traditional credit data isn't dead — despite the hype — and how FinTech partnerships are accelerating innovation across the lending ecosystem.

Las aerolíneas han programado 137,6 millones de asientos en los aeropuertos españoles para la temporada de invierno 2025-2026, un 3,5% más que el año anterior, según Aena. Europa sigue siendo el principal mercado, con más de 77 millones de plazas, mientras que Asia-Pacífico lidera el crecimiento con un 33,3% más de asientos. Madrid-Barajas, Barcelona-El Prat y Málaga-Costa del Sol son los aeropuertos con mayor oferta total.La Convención Anual de Keytel España 2025 reunió en Madrid a más de un centenar de profesionales para debatir sobre las tendencias que marcarán el futuro del turismo independiente. Entre los temas clave destacaron el crecimiento del sistema de pago “compra ahora y paga después” (BNPL) como herramienta para impulsar las reservas directas y la aplicación de la inteligencia artificial en la personalización y gestión de las reservas, con plataformas como ChatGPT o Perplexity llamadas a transformar la relación entre hoteles y viajeros.Ávoris Corporación Empresarial llevará a cabo una transformación operativa en su red vacacional de unas 1.000 agencias y 3.500 agentes de viajes, con el objetivo de optimizar procesos y reducir tareas administrativas para dedicar más tiempo a la atención y venta al cliente. El proyecto, liderado por Toni Frau, busca equilibrar progresivamente el tiempo de los agentes entre gestión operativa y comercial mediante la digitalización y una reorganización interna.El Global Ecotourism Forum 2025, celebrado en Barcelona, reunió a 57 expertos internacionales y cerca de 400 profesionales del sector, consolidándose como un espacio de referencia para el turismo sostenible. El foro destacó la necesidad de avanzar hacia un modelo turístico regenerativo, inclusivo y respetuoso con el medio ambiente, promoviendo la cooperación y la conservación del patrimonio natural.Ryanair incrementará su capacidad en el aeropuerto de Murcia un 37% esta temporada de invierno con la incorporación de una nueva ruta a Londres Stansted y más frecuencias a Birmingham y Dublín, pese a los recortes generales de plazas que ha aplicado en España.

Annerton-Experte Florian Lörsch erklärt im „Alles Legal“-Podcast, wie CCD2 das Verbraucherkreditrecht neu fasst – und warum nun auch der klassische Rechnungskauf betroffen ist.

In this episode of the Sunlight Tax podcast, I dig into the real impact of Buy Now, Pay Later (BNPL) services on spending habits and financial health. These “pay-later” plans may seem harmless, but they can quietly lead people, especially young consumers—into cycles of debt and financial stress. I break down how BNPL changes the way we think about money, what the long-term risks are, and why financial education is one of the most effective tools for protecting yourself. Research shows that learning even the basics of personal finance can save you tens of thousands of dollars over your lifetime.   Also mentioned in this episode: 02:00 Introduction to Personal Finance and Consumer Culture 04:15 The Dangers of Buy Now, Pay Later Services 06:37 The Importance of Personal Finance Education 09:49 The Value of Financial Literacy 12:28 Building Wealth Through Smart Financial Habits 15:11 Conclusion and Call to Action   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: New York Times Article: They Got To Live A Life Of Luxury. Then Came The Fine Print  'Buy Now, Pay Later' has built a delirious new culture of consumption — and trapped users in a vortex of debt. CNBC Article: You can put a price tag on the value of a personal finance education: $100,000 Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions  

Starting this fall, FICO is changing how Buy Now Pay Later (BNPL) loans affect your credit score—and 91.5 million Americans are at risk. If you've been using these apps thinking they won't impact your credit, you need to watch this NOW.In this video, I break down:- Why 54% of BNPL users have already made late payments- How a $135 purchase could destroy your financial future- The exact steps you need to take in the next 24 hours to protect yourself- Why Gen Z is getting hit the hardest (64% are using these services)- This isn't just about shopping—people are using BNPL for groceries, rent, and medical bills. We're in a survival crisis, not a luxury problem.

(October 09, 2025)Host of ‘How to Money' Joel Larsgaard joins the show to discuss consumers adopting BNPL into their lives, the rise in ‘accidental landlords,' and chatbots tapping into a goldmine of your personal information. Don't shoot the bride and groom: Crazy wedding traditions from around the world. Wild horses are trampling Mono Lake landscape; the feds plan a round up.

This segment from the Omni Talk Retail Fast Five podcast, sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, and Quorso, explores PayPal's groundbreaking move to offer 5% cash back on Buy Now Pay Later purchases. Anne shares surprising data from Groceryshop revealing that consumers are using BNPL for everyday essentials like fresh groceries, not just big-ticket items. Chris reflects on his 2017 prediction that BNPL would become ubiquitous... and why this cash back offer is one of the most compelling deals in retail today. Is this the future of consumer payments? For the full episode head here: https://youtu.be/4U1e0ftlJfM #paypal #buynowpaylater #bnpl #cashback #retailpayments #consumerfinance #holidayshopping #paymentinnovation #retailtech #shoppingtrends

Host of ‘How to Money' Joel Larsgaard joins the show to discuss consumers adopting BNPL into their lives, the rise in ‘accidental landlords,' and chatbots tapping into a goldmine of your personal information.

In this week's Omni Talk Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, and Quorso, Chris and Anne discussed: Amazon launching a “price-conscious” grocery brand with most products under $5 (Source) PayPal tying 5% cash back to BNPL purchases (Source) Bed Bath & Beyond's plans to launch a nationwide franchise system (Source) Shipt's new chat to cart feature with Perplexity (Source) Shein making its first permanent move into physical retail (Source) And this month's OmniStar award, in partnership with Quorso, goes to Prabash Coswatte, Chief Operating Officer at Heritage Grocers, for the true omnichannel approach he's bringing to running a grocery chain across four distinct banners! There's all that, plus why Chris calls Bed Bath's franchise plan “the single dumbest idea in the history of this show,” whether Anne would eat Frank's Red Hot gummy bears, and the surprising stat about BNPL usage for fresh grocery products. P.S. Be sure to check out all our other podcasts from the past week here, too: https://omnitalk.blog/category/podcast/ P.P.S. Also be sure to check out our podcast rankings on Feedspot Music by hooksounds.com #RetailNews #AmazonGrocery #PayPalBNPL #BedBathBeyond #ShiptAI #SheinStores #RetailPodcast #OmniTalk #RetailTech #RetailInnovation #Franchising #ChatToCart

In this special video episode, Sean and Elizabeth and special guests eat spicy wings and share hot takes on saving versus investing, inflation, crypto, and when to trade up for an electric vehicle. When should you prioritize investing over traditional savings? How do you know when to keep repairing your car versus trading it in for something new, like an EV? Hosts Sean Pyles and Elizabeth Ayoola share their zestiest financial takes over hot wings, blending financial insights with fiery fun. NerdWallet YouTube creator Stephen Smith joins them in-person at NerdWallet HQ in Scottsdale, AZ, for a lively discussion which, like the hot sauce, gets eye-wateringly spicy. They debate whether saving in a checking account makes sense, how high-yield savings stack up against inflation, and whether the U.S. dollar could one day be backed by cryptocurrency. They also dig into why consumer debt is so easy to rack up, including the rise of Buy Now, Pay Later for everyday purchases. Then, listener Sandra joins the in-person conversation with Sean and Elizabeth as they discuss whether she should keep repairing her Acura or buy a new EV. They explore repair costs versus new car payments, the impact of high-yield savings rates, trade-in timing, and refinancing considerations. The episode wraps with practical insights on how to balance financial security with lifestyle goals like travel, education savings, and staying debt-free. Get matched with a financial planner for free using NerdWallet Advisors Match: https://nerdwalletadvisors.com/match  Smart Money is a finalist for TWO Signal Awards! Please take a moment to vote for us here: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/genre/money-finance  https://vote.signalaward.com/PublicVoting#/2025/shows/genre/money-finance  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: Bitcoin reserve currency, dollar backed by crypto, consumer debt in America, Buy Now Pay Later pros and cons, Klarna food delivery, Klarna at Chipotle, financing gas with BNPL, credit card debt cycle, checking account interest rates, financial literacy for kids, trust fund for children, custodial accounts for kids, Acura MDX, car repair costs, car repair vs new car cost, average car payment 2025, EV tariffs 2025, zero APR car financing, mortgage refinance break-even, 529 vs Roth IRA rollover, saving for college vs high-yield savings, passing down a car to kids, luxury vehicle maintenance costs, average miles per year US drivers, opportunity cost of buying a car, travel vs new car decision, and financial security vs lifestyle goals.. 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

What does Dave do when he can't afford to buy something? Ask Reb of course! For those of us who do not have a partner to organize our finances, a new form of buy now, pay later apps have introduced another way to buy things without paying the initial price. On episode #449 of “Let's Talk Money with Dave and Reb”, the co-hosts discuss the usefulness and dangers of BNPL apps and how anticipating your financial future and making financial commitments without having the means to pay it back can create issues financially and relationally. Tune in to the show today to hear their conversation which is sponsored by Financial Discipleship Canada and notmine.ca—a ministry to the body of Christ that voices and encourages dialogue and new conversations regarding finance and discipleship. To learn how you can connect your finances to being a disciple of Christ go to https://www.financialdiscipleship.ca/. To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. #morethanenough #finances #money #financialfitness #kingdomfinance #hearingGod #discipleship

From AssetBuilder's Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America's debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing. You'll learn: How much U.S. households owe (and where it sits by generation) Why mortgages can be “productive” debt—and why long car loans aren't Current rate realities (mortgage, auto, student loans, credit cards) Exactly how to calculate your DTI (with target ranges) Behavior traps: BNPL, long auto terms, monthly-payment thinking What “deficits” mean at home and at the national level—and why they compound Hosts & Credentials: Joey Badinger (Lead Advisor), Adam Morse (Director of Advising), Janet Griffith (Senior Advisor), Tommy Williams (Associate Advisor), AssetBuilder, Plano, TX. Contact the show: https://www.assetbuilder.com Chapters 00:00 Intro & Disclaimer 00:32 Welcome, Hosts & Setup (Plano HQ) 01:00 What We're Covering: Consumer vs. National Debt 02:00 U.S. Household Debt Snapshot (Totals & Averages) 03:15 Debt by Age Cohort (30–39, 40–49 peak, etc.) 05:10 Gen Z, Mortgages & Down Payments 06:00 Is Debt “Bad”? Productive vs. Dangerous Debt 07:20 National Debt vs. GDP (Post-WWII to Today) 09:40 Auto Loans Deep Dive (Long Terms, Delinquencies) 12:10 Average Loan Sizes (New vs. Used) 13:00 Deficits at Home & Nationally—What It Means 14:20 Growth Limits, Demographics & Reality Check 16:00 Rate Check: Mortgage, Auto, Credit Cards, Student Loans 18:30 Emergency Funds > High-APR Credit Cards 20:10 BNPL & Instant-Gratification Traps 21:10 Know Your Biases (Impulse, Overconfidence) 22:40 Budgeting Habits That Actually Stick 26:10 How to Calculate DTI (28/36 Rule) 28:30 Lender Approval vs. Healthy DTI 31:00 Why 70+ Debt Can Be Risky (Context Matters) 33:00 Depreciating vs. Appreciating Assets (Cars vs. Homes) 34:20 Action Steps: Start Small, Delay Gratification 36:00 How to Contact & Subscribe 36:30 Sign-Off & Disclosure Key Takeaways Debt is a tool, not a villain. Mortgages can raise quality of life; revolving/consumer debt at high APRs can snowball. Auto loans are 2nd-largest consumer debt and loan terms are stretching—be wary of “just the monthly.” Credit-card APRs >20% make balances dangerous; build emergency savings to avoid swipes under stress. DTI targets: ≤28% housing (PITI+HOA), ≤36% total debts is healthy; 50%+ is a red flag. Behavior beats hacks: budget regularly, delay gratification, prefer used cars/shorter terms, question “need vs. want.” Hashtags & Keywords Keywords: consumer debt 2025, debt to income ratio, 28/36 rule, mortgage vs rent, auto loan terms, credit card APR, student loans, national debt vs GDP, budgeting tips, AssetBuilder advisors Hashtags: #PersonalFinance #DebtFreeJourney #DTI #Mortgage #AutoLoans #CreditCards #Investing #Budgeting #KeepItSimplePodcast #AssetBuilder

In this episode of Always Be Testing, host Tye DeGrange sits down with John Toskey, a seasoned marketing leader with over 25 years of experience in global partner and performance marketing. Having held senior roles at eBay, Affirm, and Opera Software, and now running his own consulting practice, John unpacks lessons from decades of leading high-performing global marketing teams. He shares valuable insights on building diverse and sustainable teams, creating a culture of experimentation, and the importance of asking the right questions when testing. The conversation dives into why diversity in location, experience, and seniority strengthens team performance, how to avoid “talent logjams” and keep growth pathways open, and what it takes to scale a test-and-learn culture while ensuring results are properly shared. John and Tye also explore the balance between data, intuition, and executive alignment in decision-making, the evolving future of performance marketing—from BNPL to retail media to influencer backlash—and the promise and risks of AI in marketing, including generational differences in its adoption. Adding a personal touch, John opens up about his passion for cooking, vegan living, and even bird-watching apps, making this conversation both insightful and relatable.

Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We're exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle.  It's risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk. So, how can we de-risk big change? And how can we design experiments to surface unknowns while keeping credit, compliance, and operational risk in check? That's the focus of episode 2, built around a real case study: PayPal's experiment testing whether cash flow data could strengthen underwriting for its pay-in-4 BNPL product.  (Spoiler: it did.) Joining me to unpack the results are: Anand Bhushan, Global Head of Credit, Pay Later Products at PayPal and Nikki Cross, Senior Director of Data Science Solutions at Nova Credit. We dig into how PayPal built the business case for cash flow underwriting, what they learned from strong consumer uptake, real-time approvals, and scores that beat bureaus – and how Nova Credit helped de-risk the process and scale the data across the credit lifecycle.   Subscribe now to catch more episodes of Cash Flow Conversations, coming soon! This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. 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 Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Anand: https://www.linkedin.com/in/anand-bhushan-60325445/ Follow Nikki: https://www.linkedin.com/in/nikkicrosspatrick/Learn more about Nova Credit here.

Dont' fall for these traps! This "convenient" payment option could be sabotaging your financial future and even your security clearance! Military financial expert Lacey Langford returns to sound the alarm on what she calls "the new payday loan," Buy Now, Pay Later (BNPL) services. With over $170 billion in BNPL transactions this year and 91.5 million Americans using these services, this seemingly innocent payment option is creating a financial minefield for military families. Main Topics Covered: What Buy Now, Pay Later really is The psychology behind BNPL - how it removes the "pain" of spending and makes overspending dangerously easy Hidden dangers for military families: Multiple small debts that are impossible to track Late fees and additional charges that can turn a $5 purchase into a $35 expense Potential impact on security clearances as reporting to credit bureaus increases Marriage and relationship stress from hidden debt The trap of "death by a thousand cuts" - why small payments add up to big problems How BNPL differs from traditional credit - and why it's actually worse in many ways Recovery strategies for those already caught in the BNPL web Why layaway was better - and how its disappearance pushed consumers toward dangerous alternatives Resources & Links: Lacey Langford's website: Milmo.co Podcast: The Milmo Show (available on Apple, Spotify, and all podcast platforms) Conference: MilMoneyCon: milmoneycon.com UPDATE! Dates are announced now! May 6-8, 2026 in Savannah, GA Social Media: @Milmo (all platforms) or @MilMoneyCon Military financial counseling: Available free through base aid societies and Military OneSource If you're already using BNPL services, don't panic - but do take action. This episode provides a clear roadmap for getting back on track before small conveniences become big problems. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

On the latest episode of After Earnings, Ann Berry sits down with Amrita Ahuja, the CFO & COO of Block, to break down the company's recent performance and how it's leveraging its multiple brands to drive long-term growth. The conversation explores Block's capital allocation strategy, AI-powered underwriting and how each of its businesses from Cash App and Square to Afterpay aims to expand financial access. 00:00 – Amrita Ahuja joins 00:15 – What Ties Block's Brands Together? 03:06 – How Block Allocates Capital Across Business Units 05:23 – Is Rule of 40 Outdated? 06:34 – How Cash App Grows Market Share 09:14 – Competing with PayPal and Venmo 10:32 – Why Teens Are the Future of Cash App 12:05 – How Cash App Customers Graduate Across Products 14:02 – Integrating Afterpay Into Cash App 15:24 – AI, BNPL, and Personalized Lending 18:22 – Will Block Offer Mortgages or Auto Loans? 19:56 – Block's M&A Strategy 21:08 – Bitcoin Mining with Proto Rig After Earnings is brought to you by Stakeholder Labs and Morning Brew. For more go to https://www.afterearnings.com Follow Us X: https://twitter.com/AfterEarnings TikTok: https://www.tiktok.com/@AfterEarnings Instagram: https://www.instagram.com/afterearnings_/ Reach Out Email: afterearnings@morningbrew.com $XYZ Learn more about your ad choices. Visit megaphone.fm/adchoices

Stephen Grootes speaks to Maxime Saada, Canal+ CEO and Duncan McLeod, Founder and Editor at Techcentral, about the now unconditional $2 billion takeover of MultiChoice, giving the French media giant effective control of the South African broadcaster. Canal+ and MultiChoice confirmed on Monday that all conditions for the R35 billion deal have been met, giving the French media giant effective control of the South African broadcaster. In other interviews,Leonie van Pletzen, CEO of MicroFinance South Africa (MFSA),discusses the over the rapid growth of Buy Now Pay Later products in South Africa, warning that without proper regulation and cooperation, these services could inadvertently fuel higher levels of consumer debt. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

En este Medio Pocillo hablamos de una herramienta financiera que se ha vuelto tendencia: Buy Now, Pay Later (BNPL).Muchos lo usan para comprarse tenis, ropa o hasta un hot dog en Costco, y terminan con el presupuesto enredado. Pero si lo aplicas con intención, puede ser una forma inteligente de ahorrar dinero y manejar mejor tu flujo de efectivo.En este episodio te contamos:☕ Qué es el BNPL y cómo funciona realmente.☕ Los errores más comunes que la gente comete al usarlo.☕ Estrategias prácticas para sacarle provecho.☕ Las reglas de oro para que no se convierta en otra deuda que te persigue.Al final, la clave no es rechazar las herramientas financieras, sino aprender a usarlas con intención. Enlaces: ☕ ¿Listo/a para convertirte en la persona que maneja sus finanzas con poder? Separa tu llamada gratis de 15 minutos con nosotros y descubre tu próximo paso.https://calendly.com/coab/consulta-de-15-mins-con-coab ❤️ GUÍA GRATIS: 5 Money Dates para conectar con tu pareja https://www.cafeonabudget.com/moneydate ☕7 SIMPLES PASOS PARA EL SALDO DE DEUDAS: Descarga nuestra guía gratis de saldo de deudas con los 7 pasos para saldar tus deudas de alto interés en 2 años o menos...https://www.cafeonabudget.com/deudas Síguenos en nuestras Redes Sociales:InstagramFacebookTikTokYouTube

In this episode of the Canadian Investor Podcast, we break down Canada’s latest inflation read and the Bank of Canada’s rate cut, framing what “sticky core” means for investors. We then turn to earnings and look at Adobe’s AI narrative vs. a maturing growth profile, Affirm’s BNPL momentum alongside credit risk, and Dollar Tree’s value push contrasted with Dollarama’s margin machine. Tickers of stocks discussed: ADBE, AFRM, DLTR, GSY.TO Check out our portfolio by going to Jointci.com Our Website Our New Youtube Channel! Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Welcome back to Not Fintech Investment Advice, where Simon Taylor and I riff about fintech companies we're absolutely not giving investment advice on. (Speaking of Simon, he's got a new day job: he's joining Tempo, a payments-first blockchain incubated by Stripe and Paradigm. Will this lead to spicier payment takes? We shall see!) We kick things off with Welcome Tech, an operating system for immigrants. It's US-based, all-in-one: education, job placement, embedded healthcare (telemed, dental, vision, Rx), plus financial services (wallet, debit). After big 2020–21 rounds, a recent $7.5M caught Alex's eye. As for the real wedge? It may be “Help me not only survive but thrive” (that is, paperwork precision, employer integrations, and AI agents as the lawyer you can't afford. In this category, trust and timing decide outcomes… Next up is Bumper, a UK startup bringing BNPL to car repairs. With 5,000 dealerships already on board, they let customers split repair costs interest-free. Niche BNPL providers like this can thrive by embedding in industries big players overlook, giving businesses a way to keep their customer relationships while solving a very real pain point (not to mention, BNPL has rewired Gen Y and Z's expectations). Then there's Scalar Field (which Simon wrote about recently); an AI-powered trading tool that helps traders run strategies on live data and breaking new. By “living in the stream,” its models continuously adapt as it gives traders the ability to backtest in real time (instead of the traditional loop of training, validating, and hoping a model still works once deployed). The real unlock is backtesting against messy, real-world conditions, long an Achilles' heel in model development…that is, until now or soon?! Finally, Structify tackles the messy prep work before decisions get made. Think PDFs, screenshots, and scattered APIs, all cleaned and structured by an AI data assistant. If the last few decades were about faster decision making, the next decade is about fixing the data pipelines that feed… aforementioned decision making. Plus, some closing manifestations: banks and fintechs need to start treating gambling and speculative investing apps as a genuine competitive threat to deposits! U.S. banks should copy the UK's strategy of opt-in gambling blocks with cool-off periods to protect customers (and keep deposits from drifting). We'll be fans of whoever ships it first. 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://www.welcome.tech/ https://www.bumper.co/ https://www.scalarfield.io/ https://www.structify.ai/

Buy-now-pay-later has gained popularity throughout the retail space as a way for shoppers to purchase goods that they may not have the cash for, but some fear that this trend is contributing to poor spending habits for a young generation of consumers. Donna and Nathan discuss who profits from BNPL purchases, how credit reporting agencies are changing the way they treat these transactions, and what the trend indicates about our consumption economy. Also on MoneyTalk, how credit scores are calculated, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Today, I welcome back to the show Arad Levertov, CEO and co-founder of Sunbit (I last had him on the show in 2019), one of the leaders in offline buy-now-pay-later. From 2,000 retail locations in 2019 to nearly 30,000 across verticals like auto repair, dental, and veterinary services, Sunbit has achieved tremendous growth. But what I found most impressive is this: a 90% approval rate combined with low single-digit default rates.Arad reveals the secret behind these remarkable metrics lies not just in sophisticated AI-powered underwriting, but in their holistic approach that includes strategic merchant selection, gamified associate training, personalized offers, and a customer-first philosophy with zero fees. Now serving over 4.5 million customers and approaching $400 million in revenue while reaching GAAP profitability, Sunbit demonstrates how the right blend of technology and human elements can revolutionize offline lending.In this podcast you will learn:The highlights for Sunbit over the last six years.Why they have remained focused on the offline space.The different verticals they have targeted.How their lending process works.How they are able to approve 90% of their borrowers.Why the key to their success is the associates in the physical stores.Attributes of the 10% of borrowers they decline.Their average default rate.How they decide which merchants to bring on their platform.How Sunbit makes money.How they are growing their merchant base.What their partnership with Stripe looks like.How they are partnering with Checkout.com.How Arad views the competitive moat he has built at Sunbit.What they are doing differently when it comes to collections.Their expansion plans for the future.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

David Trainer considers Klarna's IPO a high-risk bet for investors, citing an unproven "buy now, pay later" business model, intense competition, and a valuation that's "way out of whack." Trainer believes Klarna's stock price implies unrealistic growth and profitability, similar to that of more established peers like PayPal, which he considers "priced for perfection and then some."======== 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

A Swedish fintech has managed to build a US$20 billion business by letting people procrastinate their buyer's remorse. It's not a rare mineral, but the humble wiring in your home is about to become a lot more important.

Is Klarna's IPO a smart bet, or just another overhyped fintech story? We break down everything you need to know as shares hit the market:How Klarna makes money without charging shoppers interest.Why its U.S. business is taking off and how it plans to evolve from a “Buy Now Pay Later” button into a full-blown shopping super-app. The brutal competition from Affirm, PayPal, and big banksThe regulatory risks looming over the BNPL industry, and more.From its $14 billion IPO valuation to its AI-driven cost cutting and ambitions to be the future of online shopping, this episode covers Klarna's biggest opportunities and its biggest challenges. This video is for informational purposes only and reflects the views of the host and guest, not Public Holdings or its subsidiaries. Mentions of assets are not recommendations. Investing involves risk, including loss. Past performance does not guarantee future results. For full disclosures, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Public.com/disclosures⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

The Best Dental Marketing Podcast, powered by Dentainment, delivers cutting-edge strategies to help dental practices attract more new patients and grow in today's competitive digital landscape. In this episode, we explore how dental practices can grow by offering payment plans, specifically Buy Now, Pay Later (BNPL) platforms. We evaluate Cherry's strong customer service, robust marketing resources for offices, higher approval rates, reduced merchant fees, and how implementing such financing options can boost Patient conversions and overall Dental Practice efficiency.

Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection. But starting Fall 2025, BNPL loans will be added to your credit profile, which can help lots of people with thin or no credit to establish a credit profile.If you are struggling with debt and need help or a way out from under it all, consider https://www.nfcc.org/ to negotiate with your creditors for better terms and rates. These are non profit credit counseling agencies. Please DO NOT go to National Debt Relief or a company similar. They will destroy your credit and stick your creditors. Check out my Peopling book: https://a.co/d/6xC7A6FQuestions@creditkristi.com

Walmart Canada deploys Klarna's buy-now-pay-later service across 400+ stores. Sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, and Quorso, Shoptalk's Ben Miller joined Chris and Anne to debate whether BNPL will become ubiquitous in stores within three years or if credit cards will capture this market instead. For the full #fastfive episode head here: https://youtu.be/M4FL5AO9AAM #Walmart #Klarna #BNPL #Canada #Creditcards

Buy Now, Pay Later (BNPL) has transformed how consumers approach purchasing, yet adoption in the US still trails markets like Australia and Europe. In this episode, we sit down with Joe Heck, US CEO of Zip, who brings somewhat of a contrarian perspective to the industry. Joe argues that BNPL isn't just another credit product, it's a financial tool designed for what he calls "underestimated Americans," the paycheck-to-paycheck consumers often underserved by traditional banks.With Zip achieving a 98% payback rate and growing over 40% year-over-year, Joe shares insights on why the credit system is too judgmental, how BNPL provides working capital flexibility, and his vision for autonomous finance powered by AI. Whether you're curious about the future of payments or want to understand how fintech is serving overlooked consumer segments, this conversation offers fresh insights into one of the fastest-growing areas of financial services.In this podcast you will learn:What attracted Joe to take the CEO role at Zip.Why BNPL has not taken off as fast in the U.S. as it has in Australia and Europe.How Zip's BNPL product works.What Zip's customers are spending their money on.What kind of checks they do for new customers.Joe's view on reporting BNPL transactions to credit bureaus.What is driving the growth at Zip over the last year.How Joe responds to media criticisms of BNPL and mounting consumer debt.How they help their customers smooth out their payments.How they partner with Stripe and what it means for Zip's growth.Where Zip is looking to expand.How Joe sees the the BNPL sector evolving and the role of AI.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

BNPL la Trampa Moderna Financiera by Andres Gutierrez

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute:Netflix launches its first immersive entertainment/retail concept with Netflix House locations opening at King of Prussia Mall on November 12 and Galleria Dallas on December 11, featuring exclusive experiences, merchandise, and Netflix Bites restaurant.Klarna expands its buy now, pay later services to over 400 Walmart Canada stores, becoming the largest in-store BNPL deployment for the Swedish company as it continues pushing beyond e-commerce into physical retail locations.Keurig Dr Pepper announces $18 billion acquisition of Dutch coffee company JDE Peet's to boost its struggling coffee business, with plans to split the combined company into separate coffee and beverage firms after the deal closes in 2026.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!

Averaging one per month. Head of BLS Out. Goldman's leading economist – suggested out. Plus Nvidia to share revenue with the government, inflation info, more concerns with Buy Now Pay Later and a debit card snafu. Plus plus Perplexity offers $34.5 billion for Google Chrome.

From student loans to credit cards, car payments to “Pay in 4” buttons at checkout, borrowing money has never been more common or more complicated. In this episode of Merging Into Life, we break down the modern borrowing landscape: what to know before taking out a loan, how credit scores really work, and are newer forms of credit like Buy Now, Pay Later a blessing or a financial trap.Julien and Kiersten are joined by William Black, a former managing director at Moody's and longtime credit expert, to demystify the loan process and explore how your borrowing decisions can impact your credit, your stress levels, and your overall financial wellness.Will's LinkedIn: @william-black-nyc

Vincent founder Slava Rubin and Sacra's Jan-Erik Asplund discuss Klarna, a leading buy now, pay later (BNPL) company, exploring its business model, revenue streams, competitive landscape, and future outlook as it approaches a potential IPO.

You can use buy now, pay later for almost anything — a couch, new clothes, groceries. FICO now says it will unveil a new version of its credit score this fall, which would include BNPL. But at least two of the big companies that offer these microloans want to know more before sharing data with credit bureaus. Also today: presidential calls for leadership changes at Intel, data on job-finding, and a tariff-squeezed building contractor.

You can use buy now, pay later for almost anything — a couch, new clothes, groceries. FICO now says it will unveil a new version of its credit score this fall, which would include BNPL. But at least two of the big companies that offer these microloans want to know more before sharing data with credit bureaus. Also today: presidential calls for leadership changes at Intel, data on job-finding, and a tariff-squeezed building contractor.

"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/