This ebook examines the rapid growth of buy now, pay later (BNPL) services and the associated risks facing financial institutions and regulators. It explains how shifting consumer expectations, inflationary pressure, and increased adoption have elevated credit, fraud, and compliance concerns. The ebook outlines emerging regulatory scrutiny across global markets and highlights the need for transparency, responsible lending practices, and improved customer experience monitoring. It emphasizes how financial firms can balance innovation with governance by leveraging behavioral analytics to detect risk early, ensure compliance, and protect consumers while sustaining BNPL growth.

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