In this season of #TheShot, we look at Buy Now, Pay Later (BNPL) in Europe, not only as a payment method but as a reflection of new consumer habits: more digital, more instant, more focused on flexibility. That growth raises real questions about consumer protection, inclusion and regulation.
Our guest is Andréa Toucinho, Director of Studies, Prospective and Training at Partelya Consulting, which published a white paper on BNPL covering its innovation, its risks and the responsibilities that come with it. She traces how BNPL grew, why the market needs a balance between efficiency and protection, and how the topic connects to European payment sovereignty.
For PSPs, PayFacs, ISOs and ISVs, BNPL is both a payment method their merchants ask for and a regulatory topic they have to follow. Offering it means selecting providers, tracking consumer protection rules and adapting as European payment infrastructure evolves.