This whitepaper explores the rapid rise of point-of-sale (POS) financing as part of embedded finance, driven by e-commerce growth, fintech innovation, and shifting consumer preferences. POS financing offers installment loans, BNPL, store credit, lease-to-own, and split payments, making purchases more accessible and flexible. It benefits merchants by increasing sales, order values, and loyalty while reducing cart abandonment. Consumers gain affordability, convenience, and potential credit score improvements, though risks include high interest, debt traps, and defaults. When implemented responsibly, POS financing drives growth and customer satisfaction for both retailers and buyers.

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