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Vivek Iyer

Consultant, Lending advisory, BFSI, TCS

Rajesh Ramar

Head, Lending advisory, BFSI, TCS


  • As the buy now, pay later (BNPL) trend gains popularity, especially among the millennials, traditional financial services firms are faced with more opportunities than challenges.
  • Although not a novel concept, BNPL is fueling innovation in the payments space, with industry players looking to create app-based marketplaces to bring merchants and consumers closer and facilitate the discovery of new products.
  • The BNPL potential will be best tapped into when it is offered as part of a large financial or an ecommerce ecosystem, which makes it a perfect candidate for the embedded finance model.