Discover and read the best of Twitter Threads about #bnpl
Most recents (10)
暨 #NFT 交易之后，盘点 #NFT借贷 细分领域的潜在变化。
该thread主要涵盖以下3个方面：
1⃣️NFT借贷模式、代表项目及其变化；
2⃣️#BAYC 及其直系NFT开启挖矿（ $APE ）功能；
3⃣️NFT细分业务的拓展整合.
附上之前NFT交易赛道的文章链接：
该thread主要涵盖以下3个方面：
1⃣️NFT借贷模式、代表项目及其变化；
2⃣️#BAYC 及其直系NFT开启挖矿（ $APE ）功能；
3⃣️NFT细分业务的拓展整合.
附上之前NFT交易赛道的文章链接：
I’m super excited to share that we published new experimental research into #BuyNowPayLayer (#BNPL) understanding and behaviour today. The work is joint work with @owainservice and @CogCo_ for @CitizensAdvice. Find the report here - citizensadvice.org.uk/Global/Citizen…
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#BNPL has seen a massive growth worldwide over the last few years, spurred on by seamless tech and online shopping habits. Some policymakers are concerned that, despite the providers claims, #BNPL could be storing up debt problems for the future
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Despite this, little research has been conducted in this market (apart from @gk_ben recent paper) and even less on how we might improve consumer understanding of the potential risks. We fill this gap and give policymakers a sense of what interventions can achieve
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#Apple #BNPL #Goldman #Walmart
Apple launches its own 'buy now, pay later' service in Apple Pay. This is a big deal especially since how much Inroads Apple has into the US
appleinsider.com/articles/22/06…
Apple launches its own 'buy now, pay later' service in Apple Pay. This is a big deal especially since how much Inroads Apple has into the US
appleinsider.com/articles/22/06…
This was highlighted by @mikulaja back in Dec 2020 
In fact @mikulaja latest Fintech letter which discusses many new developments in FINTECH especially with @Walmart getting aggressive in Fintech as well as the Layoffs in Fintech. VERY GOOD READ
fintechbusinessweekly.substack.com/p/at-least-11-…
fintechbusinessweekly.substack.com/p/at-least-11-…
These are some of the #education projects that I love.
Khudkaar run by @wardahn00r
(Digital skills school in Layyah, Punjab)
@sciencefuse I'm working with them i small way to fund something I love
@atomcamp & some of its science led programs. I see what they're trying to do.
Khudkaar run by @wardahn00r
(Digital skills school in Layyah, Punjab)
@sciencefuse I'm working with them i small way to fund something I love
@atomcamp & some of its science led programs. I see what they're trying to do.
The excellent experience I had early last year on @fatimarizwan led platform @airschoolonline is another education startup to keep a keen eye on.
There's @wardah 's UrduHour where she teaches diaspora children to converse in Urdu, looking to bridge the urdu/English divide
There's @wardah 's UrduHour where she teaches diaspora children to converse in Urdu, looking to bridge the urdu/English divide
There's are so many individual endeavours like @gigglypundit creative writing course or @amnachaudhry03 writing course.
All beautiful interventions hoping to keep us curious.
Then @Cheese_Pakora adventures into the mountains.
These are all lovely minds, please support them
All beautiful interventions hoping to keep us curious.
Then @Cheese_Pakora adventures into the mountains.
These are all lovely minds, please support them
♥️A valentine’s gift ♥️: New short working paper `Buy Now, Pay Later (BNPL)...On Your Credit Card’ with Chris Firth & @johngathergood @ChicagoBooth @WarwickBSchool @UoNEconomics
Paper: arxiv.org/pdf/2201.01758…
Thread ⬇️ 1/9 #saywhatyoufound #householdfinance #BNPL #econtwitter
Paper: arxiv.org/pdf/2201.01758…
Thread ⬇️ 1/9 #saywhatyoufound #householdfinance #BNPL #econtwitter
BNPL is a FinTech credit option to defer payments into 1+ (often <5) 0% interest instalments.
Next time you shop online you’ll likely see BNPL firms (e.g. Afterpay/Clearpay, Affirm, Klarna) as a payment options 👀
🇬🇧 BNPL is larger than payday lending market at its peak! 2/9
Next time you shop online you’ll likely see BNPL firms (e.g. Afterpay/Clearpay, Affirm, Klarna) as a payment options 👀
🇬🇧 BNPL is larger than payday lending market at its peak! 2/9
BNPL is largely unregulated. But UK & US financial regulators (CFPB, FCA) are considering BNPL regulation.
Where's the BNPL research to inform them? Searches on ArXiv found 0 papers, on SSRN 1 (law) paper.🤯
Our paper provides a quantitative starting point for this topic 3/9
Where's the BNPL research to inform them? Searches on ArXiv found 0 papers, on SSRN 1 (law) paper.🤯
Our paper provides a quantitative starting point for this topic 3/9
Anyone wondering what is happening in #BuyNowPayLater in the world's biggest digital market (🇮🇳)?
Today we put out our 2021 annual report with lots of consumer insights and learnings for the industry. 🔥
Some highlights (1/🧵)
Today we put out our 2021 annual report with lots of consumer insights and learnings for the industry. 🔥
Some highlights (1/🧵)
India took to #BNPL in a big way in 2021 and it emerged as a loved payment option across the country. We saw demand from 99% of pin codes.
We added the most customers in the 23-26 years age group but saw demand from 18 to 66-year-olds...
We added the most customers in the 23-26 years age group but saw demand from 18 to 66-year-olds...
Millennials and Gen Z are loving the ease and convenience of BNPL. We saw 2X growth in millennials and 3X growth in Gen Z using BNPL. 🤩
Female customer base was up by 143% ♀️
Tier II and III cities continue to drive demand for #BNPL
Female customer base was up by 143% ♀️
Tier II and III cities continue to drive demand for #BNPL
The world's economy ground to a halt during the pandemic as millions died, production slowed or stopped altogether, and the resulting supply chain disruptions made many essential products and services impossible to deliver. 1/
And yet, the world's billionaires added $5.5b to their net worth during that time.
ips-dc.org/global-billion… 2/
ips-dc.org/global-billion… 2/
Thank "financialization," the subordination of the real economy - the economy that makes and delivers the things we need - to the financial economy, a global high-stakes casino where wanton destruction of businesses and lives can be a path to unimaginable wealth and power. 3/
#BNPL is disrupting the consumer credit ecosystem
In this thread, I'll break down how $afrm is able to offer a payment mechanism that is aligned with consumers and merchants best interests, rather than the predatory nature of banks which depend on fees and friction
In this thread, I'll break down how $afrm is able to offer a payment mechanism that is aligned with consumers and merchants best interests, rather than the predatory nature of banks which depend on fees and friction
The BNPL market could be worth $4 trillion by 2030
56% of US consumers are considering using BNPL solutions this holiday season
There are over 1 billion credit card transactions every day, yet the card networks/ payment processors haven't seen much innovation in the past 30 yrs
56% of US consumers are considering using BNPL solutions this holiday season
There are over 1 billion credit card transactions every day, yet the card networks/ payment processors haven't seen much innovation in the past 30 yrs
The premise behind "The Power of Pay" is that payments are highly accessible and configurable, and these trends are only increasing as payments become digitized
However, the current banking system is not aligned with the best interest of merchants and consumers
However, the current banking system is not aligned with the best interest of merchants and consumers
With the huge acquisition of Afterpay, Square practically becomes one of the most important #BNPL players worldwide.
$SQ $ATPY
Let's see the a bigger picture about the BNPL industry [ $AFRM, $PYPL, $AAPL, $SHOP].
Thread
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$SQ $ATPY
Let's see the a bigger picture about the BNPL industry [ $AFRM, $PYPL, $AAPL, $SHOP].
Thread
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1/
Klarna, one of the most important competitors in the sector recently made a substantial raise
Klarna, one of the most important competitors in the sector recently made a substantial raise
2/
Paypal: Since launching in August 2020, the service has processed more than $3.5b in TPV, with more than $1.5b coming in Q2 alone—and the company has expanded into new markets in the last few months, like Australia.
$PYPL
Paypal: Since launching in August 2020, the service has processed more than $3.5b in TPV, with more than $1.5b coming in Q2 alone—and the company has expanded into new markets in the last few months, like Australia.
$PYPL
Fintech SuperApp with twin fast growing ecosystems Square $SQ is targeting a $160B TAM
Price: $262.5
Market Cap: $120B
52 W L – 52 W H: $56.12 - $283.19
452.92M shares outstanding
Price: $262.5
Market Cap: $120B
52 W L – 52 W H: $56.12 - $283.19
452.92M shares outstanding
$SQ has 2 large opportunities in the #fintech space - Merchants (e.g. payments) via Square App and Consumers via Cash App (e.g. P2P transfers, #btc trading)
$SQ: Merchants (Sellers) and Consumers (Buyers) solutions address a $160B market; creating the largest footprint, with low penetration currently at < 3% in both
