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The Expansion and Future of BNPL Financing

Consumer adoption of buy now, pay later (BNPL) products is widespread and growing. According to new research from TransUnion, the majority of users are satisfied with their BNPL financing.

Despite this, the BNPL credit reporting ecosystem is still evolving, and BNPL loan data is not yet reported to credit bureaus or included on consumer credit files. Once such a shift occurs, lenders will be able to access these valuable insights to improve decisioning, differentiate risk across the credit spectrum and be more financially inclusive. But until then, lenders should keep an eye on BNPL consumer market trends as the industry moves closer to incorporating this new category of loans.

To help lenders prepare, TransUnion just released its findings from a new study around BNPL usage and behavior. Download the market brief to discover:


  • How sentiments about and usage of BNPL varies across generations
  • The broader role BNPL data can play in credit decisioning
  • How consumers are responding to the possibility of BNPL usage impacting credit scores
  • Opportunities for consumer education on BNPL


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