Podcasts about bnpl

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.

Jak wygląda dziś polski e-commerce i jakie wyzwania stoją przed sklepami internetowymi? O tym w najnowszym podcaście Fintek.pl rozmawiamy z Ewą Kraińską, założycielką i prezeską When U Buy – aplikacji, która pomaga użytkownikom w zarządzaniu zakupami online: od śledzenia paczek, przez zwroty i reklamacje, aż po rozliczenia ze sklepami. W odcinku usłyszycie m.in. o tym, jakie segmenty e-commerce rosną najszybciej, jaką rolę odegra TikTok Shop i omnichannel, a także dlaczego embedded finance może stać się nowym standardem w polskim handlu online. To praktyczna rozmowa o trendach, technologii i biznesie – zarówno dla sklepów, fintechów, jak i przedsiębiorców stawiających pierwsze kroki na rynku. Więcej informacji można znaleźć tutaj: https://fintek.pl/bnpl-omnichannel-i-tiktok-shop-co-zmieni-polski-e-commerce-podcast/

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.

Discover how Litehouse evolved from student side-hustle to an 8-figure lighting brand by picking a winnable niche and obsessing over product quality. You'll learn the exact paid-media approach (broad Meta targeting, creative velocity, and Google as demand capture), plus the KPIs they use to scale confidently (CPA vs. LTV, AOV, CPM, and frequency). We break down customer-survey loops that inform product roadmaps, Shopify conversion levers like bundles and pricing, and checkout upgrades (Stitch, Apple Pay, BNPL) that delivered a 10–14% lift. Walk away with a repeatable blueprint to scale a DTC store—without overcomplicating targeting or tech.

Herzlich willkommen zu einer neuen Folge von „Die Gründer“! Heute erwartet euch ein spannender Themenwechsel, denn Yannick und Ole widmen sich erstmals dem Finanzwesen – ganz ohne, dass die künstliche Intelligenz im Mittelpunkt steht. Doch keine Sorge, auch KI schleicht sich kurz in die Diskussion.Im Mittelpunkt steht das Trendthema „Buy Now, Pay Later“ (BNPL). Was hat es auf sich mit den scheinbar bequemen Ratenzahlungen beim Online-Shopping, wie funktionieren diese Modelle im Hintergrund – und welche Chancen oder Risiken bietet das für Verbraucher und Händler? Ist BNPL wirklich die Kreditfalle, vor der deutsche Medien so häufig warnen, oder sind solche Zahlungsmodelle vielleicht einfach nur zeitgemäß und sogar sinnvoll für bestimmte Zielgruppen?Gemeinsam analysieren Ole und Yannick aktuelle Zahlen, Erfahrungen aus den USA und Deutschland und betrachten BNPL sowohl aus der Konsumenten- als auch aus der Business-Perspektive. Wie steht es um die Rechtsprechung, wie sinnvoll ist BNPL wirklich aus Marketingsicht – und was bedeutet das für Shops und Anbieter?Und zum Schluss gibt's noch einen kurzen Exkurs in den Arbeitsmarkt der Zukunft: Was bedeutet der Vormarsch von KI für Einsteigerjobs, insbesondere im IT-Bereich – und wie bleibt man attraktiv für Arbeitgeber? Zwischen kritischer Analyse, persönlichen Anekdoten und handfesten Tipps für Gründer hört ihr heute eine abwechslungsreiche Folge, die neue Denkanstöße rund ums Finanzieren, Gründen und Arbeiten im KI-Zeitalter gibt.Viel Spaß beim Reinhören!Timestamps00:00 Buy Now, Pay Later Bedenken03:40 BNPL: Konsumschulden statt Kredit?07:03 Verantwortung bei Konsumentscheidungen10:56 Sinnvoller Einsatz von BNPL?14:49 BNPL vs. Traditionelle Ratenzahlung17:27 BNPL erhöht Verkaufsabschlussrate deutlich22:24 KI ersetzt Einsteigerjobs24:53 Sprachmodelle: Assistenz oder Autonomie?29:32 Vorsicht bei Studienergebnissen30:23 Zukunftsperspektive von Einstiegsjobs und KI

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.

Jak wydajemy nasze pieniądze i czy robimy to mądrze? Kto powinien odpowiadać za bezpieczeństwo w transakcjach finansowych i dlaczego bank? A wreszcie: czy to w ogóle możliwe, by instytucja finansowa brała pod uwagę nasz komfort i dobrostan?Między innymi o tym rozmawiam z Arturem Nowak Gocławskim, przedsiębiorcą, działaczem społecznym i promotorem odpowiedzialnego biznesu, a także miłośnikiem sztuki. Artur jest współzałożycielem i prezesem ANG Odpowiedzialne Finanse S.A., firmy pośrednictwa finansowego wyróżnionej certyfikatem B Corp m.in. za wysokie standardy etyczne. Założył również Fundację Nienieodpowiedzialni, która od 12 lat wspiera dyskusję o  społeczno-biznesowych wyzwaniach.Z podcastu dowiesz się także m.in.:co to są BNPL-e i dlaczego trzeba być czujnym;dlaczego młodzi wpadają w kredyty konsumenckie;jak kredyty spłacają seniorzy;jakie zadania stoją przed nowoczesnym sektorem finansowym;czy banki pomagają.Podobają Ci się tematy, które poruszam w podcaście? Więcej znajdziesz tu:Instagram: http://bit.ly/3Vene60YouTube: http://bit.ly/3iddUR7TikTok: http://bit.ly/3gDdaobRealizacja: Karolina Deling-Jóźwik - redakcjaIrena Suska - montażP & C Paulina Górska | Varsovia Lab. 

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!

Glossier joins TikTok Shop, Adidas rewrites nostalgia, back‑to‑school spend pulls forward, Prime vs Walmart deals, UK ultrafast delivery, loyalty reboots, agentic AI pilots, France's “Drive,” Mango's stylist AI, Gulf luxury momentum, Reliance x Shein, live commerce scale.Welcome to a four‑region special of Five Things Friday.USA with Jill Dvorak (NRF): Glossier lands on TikTok Shop; Adidas' Superstar reboot taps cross‑generational creators; Cannes Lions confirms the shift from big‑agency dominance to creator ecosystems; NRF back‑to‑school shoppers are starting earlier; Prime Day stretches to four days while Walmart and Nordstrom counterprogram; BNPL remains a swing factor.UK with Simon Solomon (Need It For Tonight): Festival activations drive real‑time demand; “messy cool” vs “clean girl” aesthetics; ultrafast convenience as lifestyle, not logistics; Adidas' culture‑led run (and a New Balance flagship worth a visit).UK (extended): Loyalty evolves from vouchers to membership and recognition; retailers test agentic AI for operations; pop‑ups become the culture engine; athleisure's “bigger vs impactful” store strategy face‑off.Europe: France's Le Drive grabs share; a grocer integrates with a full‑stack e‑grocery partner; Spain's BM optimizes store design for local, upmarket feel; Mango's Stylist AI gets field‑tested.APAC: The Gulf defies luxury's slowdown with experience‑first flagships (and Shanghai's showpiece store turns heads); Australia's sales uptick masks a fast‑fashion flood; Reliance x Shein changes supply dynamics; live commerce delivers 24/7 in SEA and is coming west with Gen Z.Guests: Jill Dvorak (NRF), Simon Solomon (Need It For Tonight), Alex [Europe], Ryf Quail & Laura Doonan (APAC).Links & mentions:– NRF research (back‑to‑school), Prime Day/Walmart/Nordstrom, Adidas Superstar campaign, Glossier on TikTok Shop, festival activations, UK ultrafast delivery, France “Le Drive,” Mango Stylist AI, Gulf luxury developments, Reliance x Shein, L'Oréal live commerce.Follow & partner: RetailNews.ai • TheRetailPodcast.comCTA: Reply with one signal you're betting on this quarter and why.

In this crossover episode of The Consumer Finance Podcast and Payments Pros, guest host Taylor Gess is joined by Jason Cover and Jeremy Sairsingh to discuss buy now, pay later (BNPL) products as they continue to dive into the Point-of-Sale Finance Series. They highlight the complexities of BNPL offerings and the transformation of these payment models with varying fee structures and repayment terms. As these BNPL products mature, they challenge traditional definitions and regulatory frameworks, prompting a closer look at how consumers and providers are adapting to this financing option and its effects. With continuous industry innovations, regulators are working to keep pace, raising questions about the future direction of BNPL regulation and its impact.

This week, I'm unlocking the vault. Inspired by Taylor Swift finally dropping behind-the-scenes on her first podcast interview, I realized I've never actually shared the behind-the-scenes of a flawless chairside whitening appointment. If you've ever wondered how me or the U Whitening team set up, flow through, and deliver results — this is the gold. These steps not only maximize client retention and results, but also make your life easier as a provider. From booking flows, to prep kits, to the exact step-by-step treatment sequence — I'm giving you the foolproof process that keeps clients coming back. ⏱️ Timestamps: 00:00 – Intro – Unlocking the vault: behind-the-scenes of a flawless chairside appointment 01:28 – Sponsor shoutout: Fern Whitening Supplies – your go-to for all things whitening + gems 02:15 – Why your client flow matters as much as your gel 03:01 – Step 1 – Bookings made simple: website, descriptions, deposits, BNPL 04:55 – Foolproof automation: confirmation emails, prep instructions, & no-show prevention 06:27 – Step 2 – Pre-set your supplies: client goodie bag & chairside bag 07:24 – Inside the goodie bag: toothbrush, exfoliant, mouthwash, chapstick, whitening pen 08:12 – Greeting, brushing, and consent: the professional but friendly start 09:42 – Prep with active mouthwash & stain removal – why this changes results 10:32 – Retractors & photos: legal vs marketing, and my personal do's & don'ts 12:03 – Comfort tips: vitamin E, choosing retractors, and working with lip filler 13:45 – Gingival barrier done right: quadrant method + drooping fix 16:10 – Step 3 – Gel application: why 25% HP is my go-to and how to apply perfectly 18:22 – Direct application tips: plastic vs metal gauge tips & flow control 19:08 – LED attachment magic: Beyond II Ultra with flawless smile-line coverage 20:48 – The first 12 minutes: what I'm doing while the client naps 21:32 – Removing gel cleanly & safely: pro tips for arch-by-arch removal 22:15 – Repeat, disinfect, and prep ahead for your next client 23:05 – The finishing touches: rinse, lavender face wipe, & post-whitening gel 24:26 – Vitamin E swabs: lips, gingiva, and the ultimate comfort step 25:05 – Blue Color Correct + client mirror moment: delivering the WOW factor 25:51 – The sly upsell: turning at-home care into retail sales 28:16 – Post-appointment automation + the six-month recall reminder 29:02 – Recap – The foolproof whitening appointment in 45 minutes flat

From world-changing kids to pastel-colored debt to a culture stuck on refresh—this episode of Afternoons with Helen Farmer dives into the contradictions shaping 2025. We begin with AlDhabi AlMheiri, the 11-year-old Emirati changemaker behind the world’s first AI academy for kids. Her mission? To make tech ethical, inclusive, and accessible—especially for girls. Next: why is debt now wrapped in soft colors and influencer aesthetics? We unpack the hidden risks of Buy Now, Pay Later culture with financial planner Michele Carby, and hear from Mei, a Filipina expat navigating the fallout of a 7,000 AED loan. Finally, we ask: what happens when a summer has no defining vibe? No anthem, no blockbuster—just vibes and brain rot. Is it a cultural crisis, or a break from the hype machine? We hear from Afroz Nawaf, Film Lecturer at Middlesex University Dubai, and Amanda Hoover, the Business Insider journalist who coined the term "Summer Brain Rot."See omnystudio.com/listener for privacy information.

This Monday, the GMH Short-Term Rental Crew, with Michael Goldin, Brandreth Canaley, and Jamie Lane dive into the latest moves shaping the STR and travel landscape. Airbnb rolls out its new “Reserve Now, Pay Later” option, signaling a shift toward more flexible booking terms that could boost conversions for longer stays. BNPL trends are expanding across airlines, hotels, and cruises, raising questions about guest spending habits and potential adoption in vacation rentals. Expedia Group makes a strategic design hire with Rachel Been as SVP, underscoring the power of user experience in driving loyalty. Sonder faces a leadership shake-up with the departure of CFO Michael Hughes, while Vrbo's WeatherPromise program offers automatic payouts for rain-affected stays—no claims required—hinting at new ways to protect and reassure travelers. The hosts unpack what these changes mean for operators, platforms, and guests, and explore how innovation, design, and traveler trust are becoming critical in the competition for bookings. This episode is brought to you by Guesty! Follow the Hosts: Brandy Canaley – ⁠⁠⁠LinkedIn⁠⁠⁠ Jamie Lane – ⁠⁠⁠LinkedIn⁠⁠⁠ Michael Goldin – ⁠⁠⁠LinkedIn⁠⁠ Connect with Skift: LinkedIn: ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/skift/⁠⁠⁠⁠⁠⁠ WhatsApp: ⁠⁠⁠⁠⁠⁠https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠https://facebook.com/skiftnews⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠https://www.instagram.com/skiftnews/⁠⁠⁠⁠⁠⁠ Threads: ⁠⁠⁠⁠⁠⁠https://www.threads.net/@skiftnews⁠⁠⁠⁠⁠⁠ Bluesky: ⁠⁠⁠⁠⁠⁠https://bsky.app/profile/skiftnews.bsky.social⁠⁠⁠⁠⁠⁠ X: ⁠⁠⁠⁠⁠⁠https://twitter.com/skift⁠⁠⁠⁠⁠⁠ Subscribe to ⁠@SkiftNews⁠ and never miss an update from the travel industry. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

In this episode, we talk about why August is the real start of the end-of-year business rush — and how to lock in more bookings before 2026 hits. From making your booking process ‘dummy proof,' to adding Buy Now, Pay Later options, to cutting your chair time, this is your blueprint to keep your calendar full. You'll hear real stories of talented providers losing clients due to friction, learn exactly how to simplify your packages, and get actionable marketing tips (including a genius mailer trick) to reach the right clients. ⏱️ Timestamps: 00:00 – Intro – Why August feels like the business year-end rush 00:58 – Sponsor shoutout: Fern Whitening Supplies – top supplier for busy clinics 02:02 – Reflecting on your season so far: what's working, what's not 03:05 – Mark Cuban truth: a business isn't a business without sales 03:45 – Step 1 – Make booking easy and ‘dummy proof' 04:05 – Two real-world examples: talented providers losing clients due to booking friction 06:10 – Why you must have a website, Google profile, and booking link 07:52 – Overcoming objections: ‘extra fees' vs client convenience 09:02 – Quick-start tools: Square, Shopify, Fresha, GlossGenius 10:15 – Keep packages simple: one full service, one take-home 12:05 – Step 2 – Add a Buy Now, Pay Later option 13:15 – How BNPL works and why it boosts sales by 30–45% 15:45 – Addressing provider concerns: fees, credit checks, and refunds 17:30 – Real-world Fern results from BNPL usage 18:12 – Step 3 – Reduce chair time for higher profits and happier clients 20:30 – Premium gel vs cheap gel: why faster is more profitable 22:02 – 2026 planning: audit what's working, budget for new marketing 23:15 – Marketing tip: use Canada Post/USPS mailers for high-income households 25:05 – Final recap – The ‘Flawless Three' for more bookings: easy flow, split payments, short chair time Listen Spotify Listen Apple Check out our sponsor: www.fernwhiteningsupplies.ca

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.

曾經高舉人道主義理想的以色列，如今在加薩走廊犯下的戰爭罪行，究竟是正義反擊，還是失控的種族清洗？ 《經濟學人》嚴厲指出，以色列將一開始正義的戰爭，演變成無止盡的死亡與破壞。加薩走廊大部分地區淪為廢墟，數百萬平民流離失所，而納坦雅胡政府甚至將糧食援助武器化，導致飢荒與死亡蔓延。更諷刺的是，哈馬斯早已被削弱，不足以對以色列構成威脅，這場戰爭已失去戰略意義。 哈瑪斯的罪行並不能為以色列開脫，作為一個民主國家。以色列應該用遠高於恐怖分子、軍閥和獨裁者的標準要求自己，關鍵在於以色列是否同意盡快停火、向加薩輸送充足物資，並在戰後成立真正獨立的調查委員會，否則這個誕生於1948年的理想國度，終將黯然失色。 主持人：天下雜誌資深主筆 黃亦筠 主講人：金庫資本管理合夥人兼總經理 丁學文 製作團隊：莊志偉、樂祈、邱宇豪 ＊延伸閱讀｜裁5千人、推1萬名「AI代理」，AI如何衝擊麥肯錫？：https://lihi.cc/142bT ＊立即收聽《天下學習Podcast》：https://hi.cw.com.tw/u/j7jy5LE/ ＊訂閱天下全閱讀：https://bit.ly/3STpEpV ＊意見信箱：bill@cw.com.tw -- Hosting provided by SoundOn

Amy King hosts your Tuesday Wake Up Call.  ABC News correspondent Steven Portnoy joins the show to discuss DC Mayor Muriel Bowser reaction to an increase in federal law enforcement. Amy talks with the co-founder of Midsummer Scream Claire Dunlap. This horror convention is taking place this weekend at Marriott Long Beach Downtown. Courtney Donohoe from Bloomberg joins the show to talk about the latest in business and what is affecting the markets today. The show closes with the host of ‘How to Money' Joel Larsgaard talking about BNPL not wanting to play nice, low-feed real estate agents, executive orders and private assets.

Glen gets the lowdown from Finovate's Greg Palmer on what to expect at September's New York City demo-fest, including a dedicated credit union track. Also- unanswered questions in the President's de-banking Executive Order, and a showdown regarding BNPL's role in credit reporting.        Links related to this episode:   Finovate Fall, September 8-10 in NYC: https://informaconnect.com/finovatefall/ ***Use Code BIG20 for a 20% registration discount***  Fox Business' take on the sudden twist in BNPL credit reporting: https://www.foxbusiness.com/economy/some-buy-now-pay-later-lenders-holding-back-customer-payment-data-from-credit-bureaus  The President's Executive Order (EO) on “de-banking”: https://www.whitehouse.gov/fact-sheets/2025/08/fact-sheet-president-donald-j-trump-guarantees-fair-banking-for-all-americans/  The Cato Institute's critique of the debanking EO: https://www.cato.org/blog/breaking-down-trumps-debanking-executive-order  The National Law Review adds its two cents: https://natlawreview.com/article/trump-executive-order-attacks-de-banking-practices      A special time for our next CU Town Hall: Mark your calendars for our next Town Hall session- Monday, August 18 at 3:30pm ET/12:30pm PT- streaming live from America's Credit Unions' Strategic Growth Conference. It's free to attend, but advance registration is required. Visit https://www.cutownhall.com/ to request an invitation.    Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Amy talks with the host of ‘How to Money' Joel Larsgaard about BNPL not wanting to play nice, low fee real estate agents, executive orders and private assets.

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.

Send us a textMiguel Armaza interviews the CEO of Cashea. In a country where credit vanished, Cashea built a new system from scratch. CEO Pedro Vallenilla shares how they scaled BNPL to 3% of Venezuela's GDP, through trust-based lending, merchant financing, and a bold vision for national impact.Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

In 2009, the FINRA Investor Education Foundation launched the first national study of financial capability of adults in the United States. Since its start, the National Financial Capability Study has provided data on multiple indicators of capability, including financial behaviors, attitudes, and knowledge.National Financial Capability Study survey data is collected every three years. The 2024 survey, which was published in July, represents the sixth wave of data. This report serves as an important barometer of Americans financial health, and it continues to be an essential resource for policymakers, researchers, financial firms, educators, and other stakeholders seeking to better understand and address the financial capability needs of Americans.On this episode of FINRA Unscripted, FINRA Foundation President Gerri Walsh, the Foundation's research director, Gary Mottola, and senior researcher Olivia Valdes discuss the study's findings and implications.Resources mentioned in this episode:National Financial Capability Study (Sixth Wave)National Financial Capability Study: 2024 State-Level InsightsFinancial Knowledge QuizNational Financial Capability Study (Fifth Wave)The machines are coming (with personal finance information). Do we trust them? Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.

Charlie Youakim, CEO and Co-Founder of Sezzle, joins OPTO Sessions to discuss company's journey from startup to a leading public company in the fintech space, the evolution of Buy Now, Pay Later (BNPL) model and record growth in the past 12 months.If you enjoyed this interview, consider subscribing to our Substack channel for more in-depth insights designed to help you invest smarter: https://optoforesight.substack.com/Create your Own Stock Index & Invest Smarter with OPTO Folios: https://optothemes.onelink.me/BZDG/ti2lb2fdLinkedIn: https://www.linkedin.com/in/opto-invest-in-innovation-308416193/ X: https://twitter.com/OptoThemes Instagram: https://www.instagram.com/opto.themes?igsh=MXhwenU4dTk4aDBqMw%3D%3D&utm_source=qr Facebook: https://www.facebook.com/OptoThemes-----The content in this podcast is for informational purposes only. Opto Markets LLC does not recommend any specific securities or investment strategies. Investing involves risk & investments may lose value, including the loss of principal. Past performance does not guarantee future results. Investors should consider their investment objectives and risks carefully before investing. The information provided is not an endorsement of this product and is for information and/or educational purposes only.

This week, we are joined by Gary Barlet, former Federal CIO and Air Force Cyber Operations Officer and current Public Sector CTO at Illumio, to discuss how this approach to cybersecurity leaves some states much more at risk than others. Ben has the story of a Virginia case relating to reverse key word searches. Dave's got a highly unusual move by the DOJ against Maryland's district courts. While this show covers legal topics, and Ben is a lawyer, the views expressed do not constitute legal advice. For official legal advice on any of the topics we cover, please contact your attorney.  Complete our annual ⁠audience survey⁠ before August 31. Links to today's stories: ⁠EFF Tells Virginia Court That Constitutional Privacy Protections Forbid Cops from Finding out Everyone Who Searched for a Keyword DOJ launches unusual lawsuit against entire federal district court in Maryland ⁠Get the weekly Caveat Briefing delivered to your inbox. Like what you heard? Be sure to check out and subscribe to our ⁠⁠⁠⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠⁠⁠⁠, a weekly newsletter available exclusively to ⁠⁠⁠⁠⁠⁠⁠N2K Pro⁠⁠⁠⁠⁠⁠⁠ members on ⁠⁠⁠⁠⁠⁠⁠N2K CyberWire's⁠⁠⁠⁠⁠⁠⁠ website. N2K Pro members receive our Thursday wrap-up covering the latest in privacy, policy, and research news, including incidents, techniques, compliance, trends, and more. This week's ⁠⁠Caveat Briefing⁠⁠ covers BNPL apps and the privacy issues they found associated with them. Curious about the details? Head over to the ⁠⁠⁠⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠⁠⁠⁠ for the full scoop and additional compelling stories. Got a question you'd like us to answer on our show? You can send your audio file to ⁠⁠⁠⁠⁠⁠⁠caveat@thecyberwire.com⁠⁠⁠⁠⁠⁠⁠. Hope to hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

상품을 먼저 구매하고 돈은 나중에 갚는 방식인 BNPL 플랫폼 ‘애프터페이'를 우버에서도 이용할 수 있게 됐습니다. 하지만 소비자 단체들은 필수 서비스를 위한 소액 거래에 돈을 빌릴 수 있도록 허용할 경우 “부채 소용돌이”가 커질 수 있다고 우려합니다.

In this episode of In the Tranches of Structured Finance, Vadim revisits the standout questions from dv01's recent consumer credit webinar with Jefferies, Upgrade, and Prosper—digging deeper into the state of the consumer, credit performance trends, origination behavior, and refinancing dynamics.Vadim also introduces dv01's new Closed-End Seconds Benchmark, spotlighting its relevance in today's housing affordability environment. Tune in for insights on:The correlation between origination volumes and credit performanceThe role of housing equity across income cohortsTrends in consumer unsecured refinancing and BNPL/home improvement lendingWhy second liens are seeing renewed investor interest post-GFCEarly performance signals in dv01's Closed-End Seconds BenchmarkSubscribe to our free research to stay up-to-date on the latest trends. Contact sales@dv01.co to learn how dv01 data can help you understand what's going on in the market, and to better analyze your whole loan portfolio and securitizations.

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/

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

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

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

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

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.

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

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

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