In his latest commentary, Yaacov Martin, CEO of Jifiti, explains why new FICO models that include BNPL data won’t fix the industry’s biggest blind spot. The problem isn’t smarter analytics. It’s fragmented architecture. Most BNPL providers still don’t report consistently to credit bureaus, leaving lenders unable to see a consumer’s true debt or repayment behavior.
As a result, responsible borrowers gain no credit benefit while risk quietly accumulates across disconnected platforms. Martin shows how embedding bank-issued financing at checkout solves this by placing BNPL inside regulated, bureau-connected infrastructure where every repayment, approval, and delinquency is visible by design.
The future of installment lending belongs to platforms that combine seamless checkout with seamless data.
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