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.
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
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.
Primary cardholders: how modern platforms are teaching children lifelong money skills
According to research by Lending Tree, nearly half of parents with minor children surveyed say their child has used their card without permission at least once. There'a clear need then of specialist payment products that give families control over spending, encourage safe behaviours and help young people develop financial literacy.
Embracing diversity: how modern APIs are powering financial inclusion
The digital revolution in payments has brought to the service some of the acute challenges faced by the unbanked and financially excluded. But it's not inevitable that a move to a cashless society will marginalise vulnerable people. With the right tools in place, it's possible for everyone to participate in the modern economy.
The Future of Money - Tracking the transformation of money
Discover how tokenization technology is changing the way people store and exchange assets ranging from art to land. We also discuss transparency versus anonymity in the age of digital banking, and the potential of smart wallers transforming the way we procure goods and services.
Primary cardholders: how modern platforms are teaching children lifelong money skills
According to research by Lending Tree, nearly half of parents with minor children surveyed say their child has used their card without permission at least once. There'a clear need then of specialist payment products that give families control over spending, encourage safe behaviours and help young people develop financial literacy.
Embracing diversity: how modern APIs are powering financial inclusion
The digital revolution in payments has brought to the service some of the acute challenges faced by the unbanked and financially excluded. But it's not inevitable that a move to a cashless society will marginalise vulnerable people. With the right tools in place, it's possible for everyone to participate in the modern economy.
The Future of Money - Tracking the transformation of money
Discover how tokenization technology is changing the way people store and exchange assets ranging from art to land. We also discuss transparency versus anonymity in the age of digital banking, and the potential of smart wallers transforming the way we procure goods and services.
We’ve written a blog answering this question in detail but in a nutshell, API Chronicles is a series of livestreams that are hosted by Marqeta and bring together experts and thought leaders to discuss a specific topic related to finance and payments. So far we’ve covered a range of topics from Greenfield banking to cards for young people.
This livestream event is part of Marqeta’s API Chronicles series
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