{"id":6550,"date":"2021-07-20T11:43:49","date_gmt":"2021-07-20T11:43:49","guid":{"rendered":"https:\/\/www.webtechmantra.com\/?p=6550"},"modified":"2022-06-06T11:38:37","modified_gmt":"2022-06-06T11:38:37","slug":"buy-now-pay-later-uses-open-banking","status":"publish","type":"post","link":"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/","title":{"rendered":"How \u201cBuy, Now Pay Later\u201d Uses Open Banking"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u201cBuy Now, Pay Later\u201d, or BNPL, has become increasingly integrated into the checkout process for online retailers, with one-fifth of European retailers currently offering BNPL services (Business Wire, 2021). The industry revenue is forecast to grow 9.8% annually over the next four years to more than $1 billion (Yeoh, 2020). The recent popularity of this service can be attributed to the worldwide economic disruption that happened in 2020, causing online shopping to become the norm (Business Wire, 2021). Learn more from here <a href=\"https:\/\/bankdash.com\/what-is-buy-now-pay-later\/\" target=\"_blank\" rel=\"noopener\">What is Buy Now Pay Later?<\/a><\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_61 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/#BNPL_is_Changing\" title=\"BNPL is Changing\">BNPL is Changing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/#What_is_Open_Banking\" title=\"What is Open Banking?\">What is Open Banking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/#Why_Does_BNPL_Use_Open_Banking\" title=\"Why Does BNPL Use Open Banking?\">Why Does BNPL Use Open Banking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/#Some_BNPL_Companies_You_Should_Know_About\" title=\"Some BNPL Companies You Should Know About\">Some BNPL Companies You Should Know About<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/#Whats_to_Come\" title=\"What\u2019s to Come?\">What\u2019s to Come?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"BNPL_is_Changing\"><\/span><b>BNPL is Changing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many existing financial players, such as Paypal, have entered the PNBL market and PNBL doesn\u2019t just concern retail anymore. New and emerging fintech companies are looking to apply the lending model of BNPL to other sectors, such as health care, travel, and rent (Nguyen, 2021). BNPL is entering into essential services and markets with the aim to alleviate financial burdens for people who are facing emergency healthcare payments or are unable to pay rent (The Financial Technology Report, 2021).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Open_Banking\"><\/span><b>What is Open Banking?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Open banking is a banking practice that securely shares financial information, such as consumer banking transactions and other financial data, to third-party financial service providers (Estevez, 2020). Sharing data is done through the use of application programming interfaces (APIs) and only with the consent of customers (<\/span><i><span style=\"font-weight: 400;\">The Balance<\/span><\/i><span style=\"font-weight: 400;\">, 2020). Open banking is the driver behind both innovation and competition in the financial industry (Cahill, n.d.).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Does_BNPL_Use_Open_Banking\"><\/span><b>Why Does BNPL Use Open Banking?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">BNPL is all about ensuring high purchase conversion rates, while also reducing the number of steps that customers need to take to get what they want.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Open banking helps keep high conversion rates while gaining information about loan applicants &#8211; enabling lending decisions to be both fast and accurate. Additionally, open banking allows for quick credit checks to be performed by avoiding the need to connect to traditional credit bureaus.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Some_BNPL_Companies_You_Should_Know_About\"><\/span><b>Some BNPL Companies You Should Know About<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Klarna is a Swedish fintech company that provides e-commerce payment solutions and was an early user of open banking. Their app allows people to shop online and pay later in four interest-free installments, or within 30 days. Klarna uses open banking to perform soft credit checks that inform lending decisions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2013, Klarna acquired a German open banking platform, Sofort, and expanded its network to 14 countries and 43,000 merchants (Cutler, 2013). Currently, they are working on their own open banking platform that currently supports 24 countries in Europe and offers account insights (Klarna, 2021).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ViaBill is a Danish company that offers payment solutions and operates in Denmark, Norway, the USA, and Spain. Their app allows people to shop online and pay later in four interest-free installments. ViaBill uses open banking to conduct credit assessments in accordance with applicable rules and uses these assessments to make lending decisions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Butter is a British company that offers not just \u201cbuy now, pay later\u201d for retail purchases but also \u201cfly now, pay later\u201d for airline payments. Their app allows customers to buy online and pay later over two, three, or four monthly payments. Butter uses open banking to perform soft credit checks that inform credit decisions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Whats_to_Come\"><\/span><b>What\u2019s to Come?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Worldwide, local payment authorities are raising concerns about the current regulations regarding the BNPL industry. The practice tends not to fit the definition of traditional loans that require interest rate payments, resulting in special regulatory requirements (Research and Markets, 2021). Also, there have been concerns regarding consumer defaults and overspend as well as lack of transparency about the BNPL service conditions (Research and Markets, 2021). In Europe, the Commission has tackled this problem by updating the current consumer credit agreement to include BNPL and, in the UK, the financial conduct authority is to introduce new regulations this year (Research and Markets, 2021). The regulatory changes may affect how BNPL operates, but they are essential to ensure the safety of consumers and ethics practices of the companies.\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cBuy Now, Pay Later\u201d, or BNPL, has become increasingly integrated into the checkout process for<\/p>\n","protected":false},"author":1,"featured_media":6551,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1899,1329],"tags":[1132],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How \u201cBuy, Now Pay Later\u201d Uses Open Banking | Web Tech Mantra<\/title>\n<meta name=\"description\" content=\"\u201cBuy Now, Pay Later\u201d, or BNPL, has become increasingly integrated in the checkout process for online retailers, with one fifth of European retailers currently offering BNPL services (Business Wire, 2021).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How \u201cBuy, Now Pay Later\u201d Uses Open Banking | Web Tech Mantra\" \/>\n<meta property=\"og:description\" content=\"\u201cBuy Now, Pay Later\u201d, or BNPL, has become increasingly integrated in the checkout process for online retailers, with one fifth of European retailers currently offering BNPL services (Business Wire, 2021).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.webtechmantra.com\/buy-now-pay-later-uses-open-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"WTM - 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