The July 2022 Aite-Novarica report BNPL and Credit Risk: Ignorance Will Cost You by Ariana-Michele Moore explores the growing impact of buy now, pay later on credit decisioning and risk management. It examines BNPL’s intersection with other lending products, rising overindebtedness concerns, and increasing credit losses. The report highlights the need for better visibility into BNPL use, outlining credit bureau initiatives, reporting considerations, and potential regulatory actions. It emphasizes that incorporating BNPL data into credit assessments can improve risk evaluation, protect lenders, and support responsible consumer borrowing.

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