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PREMIUM

BNPL Grew Up: How Buy Now Pay Later Became a Balance Sheet Business

finance

BNPL Grew Up: How Buy Now Pay Later Became a Balance Sheet Business

BNPL quietly became a balance sheet business. Who funds the receivables, who eats the credit cycle, and where the margin survives as banks move in.

16 Jul 2026 8 min read

PREMIUM

Why Buy-Now-Pay-Later Is Quietly Becoming a Credit Bureau Problem

finance

Why Buy-Now-Pay-Later Is Quietly Becoming a Credit Bureau Problem

BNPL was invisible to the bureaus. That invisibility is ending in 2026, and the repricing of the model is just beginning. Three structural shifts.

2 Jun 2026 12 min read

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