Digital Transactions

BNPL May Be All the Rage, But Embedded Lending Is a Better Option for Merchants

September 8, 2023

Banks & Lenders


Financial Services

According to Juniper Research, 360 million people worldwide used Buy Now, Pay Later (BNPL) in 2022. With such an expansive consumer base, BNPL has also become an effective tool for merchants to attract new customers and increase conversion rates.

However, the widespread use of BNPL has raised concerns regarding transparency and tracking of debt. Consequently, regulatory bodies such as the Consumer Financial Protection Bureau have been considering rules since 2021 to promote fair and responsible lending and protect customers.

Due to the shift in the regulatory environment, there is a promising option arising for merchants: embedded lending from regulated banks and lenders. So, what sets embedded lending apart from BNPL?

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