API Chronicles Livestreams

The long-term future of short-term lending:

the next generation in BNPL innovation is coming

Join our livestream at 2pm UK time on 25 January to find out how a new wave of BNPL pioneers are evolving short-term lending to give every business an opportunity to become a financial services innovator.

Save your seat

Keynote

Redefining the art of shopping, buy-now-pay-later (BNPL) has gone from strength to strength since the start of the decade. Gen Zers are using it as a way to build a credit history, while Millennials appreciate being able to buy big ticket items for their first home. Indeed, as of 2023 a staggering 36 percent of UK adults had used BNPL, with a further 13 percent intending to use it in the future.

Businesses have also started getting in on the act, with short-term lending propositions helping SMEs to fund everything from new stock purchases to invoice finance. B2B BNPL is also offering a solution to the problem of late payments which, according to research by Marqeta, affect a huge number of firms each month.

Yet despite the growth of BNPL, the market is far from saturated and there are still immense opportunities in many B2B and B2C verticals. The question is, where will innovation be focused next? Whatever the answer, we’re likely to see:

A new era in white label propositions that enable more businesses to offer BNPL solutions to their customers, whether they’re in retail or business

Continued growth in demand for BNPL services as consumers seek to avoid high interest rates

Increased pressure to bring BNPL under statutory regulation, as more regulated entities start to offer short-term lending as part of their product suite

A rise in BNPL innovators taking their proposition overseas as new markets discover the benefits of short-term borrowing

What you’ll learn

Join your industry peers at Marqeta’s The long-term future of short-term lending livestream to learn:

Solutions for every vertical

How buy-now-pay-later will power an ever increasing array of use cases

Designing a roadmap for  your BNPL offering

What’s involved when it comes to building, testing, launching and iterating a BNPL product

Open API techniques

Why a single integration open API platform is a smart route to internationalising your BNPL offering

Tech collaboration

Who is best placed to support your efforts to accelerate innovation

Buy-now-pay-later: did you know?

UK BNPL payments are forecast to grow by more than 20 percent each year, reaching a value of £26.13 billion by 2028.

According to research, the top three reasons people give for using BNPL are breaking up purchases into manageable payments, clarity over the payment amount and making purchases affordable.

The Bank of England analysis suggests that more than three million people in the UK collectively owe £2.7 billion to BNPL providers with the average balance standing at £866.

Meet your host and panellists

Jas Shah

Fintech Product Consultant, Bitsul

Featuring the following expert panel:

Christian C. Waldheim

CEO, Credi2

Biljana Petrushevska-Trajkovska

Solutions Engineer, Marqeta

Matthias Dekan

Head of Payments, RBI

Reserve your seat

Part of Marqeta’s API Chronicles series, this livestream at 2pm on 25 January is designed to bring you real stories about digital transformation journeys.

Expect to learn how your peers made their innovation decisions and what lessons were learnt when implementing their digital innovation strategy. We’ll also explore how these innovators are using APIs to build products faster, cooperate in a connected ecosystem and to deliver real-time experiences for customers.

Previous Livestreams

API Chronicles aims to bring together communities of visionaries and digital builders in a series of livestream events, blog content, and resources over the coming months.

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