Business Transformation Services

Financial Services

Buy now pay later (BNPL) operating model

A possible ideal benchmark for traditional lending institutions to go fully digital


The primary reason for the success and growth of ‘Buy Now Pay Later’ (BNPL), is its operating model. The BNPL operating model onboards and offer lending services quickly, with no physical branch visit, and documents. This paper discusses how is the BNPL operating model able to attract a significant number of customers and gain a high market share. It also explores the possibilities and advantages of benchmarking the BNPL operating model to enhance traditional lending institutions’ current operating landscape to compete with BNPL – to recover and gain the market share, finally to be fully digital. The paper also talks about the key takeaways for the traditional lending institutions and digital practitioners.

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