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How Affirm is Scaling Distribution with Embedded BNPL

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Beyond the Checkout: The Evolution of Embedded BNPL

If you’re even slightly plugged into the Fintech world, you’ve likely come across the buzz around BNPL and embedded finance. But have you encountered the term embedded BNPL? It’s easy to see why there might be some confusion. Sure, BNPL is often about embedding financing options directly into merchant checkout platforms – either online or offline, so in a way, it does seem naturally “embedded,” right? And yeah, you’re not wrong.

BNPL providers like Affirm are taking things a step further in embedding BNPL on multiple platforms. The new frontier includes embedded BNPL on consumer platforms and SaaS platforms used by businesses. This multi-pronged approach has the potential to exponentially scale BNPL distribution, making it a powerful force driving transactions across industries. 

Infographic design showing Venn diagram of Affirm in the middle, and the B2B platforms it serves on the left vs the B2C platforms on the right.

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In the latest edition of Fintersections, we’re taking a deeper dive to break down what a multi-layered approach to embedded BNPL really means. We’re not just talking about the basic financing options you see during checkout, i.e. traditional BNPL. There are more levels to how this approach to embedding BNPL with partners who have direct access to merchants and consumers. Let’s go down the rabbit hole and explore the intricacies!

This is a quick look at the nuances of embedded BNPL and how Affirm is leading the charge. For the full analysis that explores the multi-layered approach to embedded BNPL and its potential impact on the fintech landscape, head over to the full breakdown at Fintersections!

Authors

Founder & CEO | sanjeev@whitesight.net

Sanjeev is a fintech aficionado who loves to explore the depths of the industry as much as he loves to explore the depths of the ocean in his scuba gear. He is the founder and CEO at WhiteSight, bringing a wealth of research and advisory experience to the fintech world.

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