In this episode, Adam, Ryan, Nigel and Alex look at how Buy Now Pay Later (BNPL) has evolved, where it is in the present day and where it is heading. 

-What percentage of transactions currently use BNPL? 
-When will the rate of growth for BNPL slow? 
-How do retailers and providers evolve to meet consumer needs? 
-How will regulators impact this new financial phenomenon?

Timestamps below:

- Divergence & convergence? The Bain answer first! (2:36) 
- Macroeconomic pressures (5:32) 
- The background of BNPL (6:16) 
- Credit modules (8:36) 
- What has led to the rise of BNPL? (10:20)
- Effects of consumer experience on change (10:36) 
- Data analytics team overview (16:02) 
- Incorporating human psychology into algorithms (19:58) 
- Merchant benefits (23:06) & (24:07) 
- BNPLs are becoming platforms (23:47) 
- Where does BNPL fit in with retailer's payment strategies (27:00) 
- Where does your biggest cost space sit (29:26) 
- Generational shifts & future projections for growth (32:22) 
- Who should be getting into BNPL? (33:53)
- Regulators (42:33)
 

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- You can find Adam Davis here
- You can find Ryan Garner here
- You can find Nigel Verdon here
- You can find Alex Lang here