WhiteSight

Testing Waters: Confluence of Neobanks and BNPL

Table of Contents

Neobanking and Buy Now, Pay Later (BNPL) have surfaced as the biggest fintech megatrends in the post-COVID world, alongside Crypto and Open Banking. While both neobanking and BNPL have individually tasted billion-dollar valuations, fund-raising, and public listings in the last 10-12 months, the confluence of these two megatrends promises to have a gigantic impact on the future course of the fintech phenomenon. We are increasingly witnessing a massive crossover between neobanking and BNPL with neobanks across the world launching BNPL products for their customers.Neobanks in their heyday, having been focused on removing friction in the storage and movement of money, garnered millions of customers. Now, they are attempting to bring the same proposition of convenience and real-time access to funds in the form of instant and contextual credit to their customers in the form of BNPL. Neobanks’ Tryst with BNPLTo better grasp the nitty-gritty of this transpiring shift, a global overview of the many archetypes that neobanks have adopted in launching BNPL offerings is as follows.Credit-first neobanks like Tinkoff and Nubank have launched BNPL offerings in a bid to expand affordability for their customers by allowing them to avail small-ticket credit on their cards, that can be paid back in […]

This post is only available to members.

Already a subscriber? Log in to Access

Unlock this blog

Gain exclusive access to this blog alone.

Radar Subscription

Select a membership plan that resonates with your
goals and aspirations.

Not Ready to Subscribe?

Experience a taste of our expert research with a complimentary guest account.

We publish new research regularly. Subscribe to stay updated.
No spam. Only the best in class fintech analysis.



    Related Posts
    Infographic showcasing a comparison of key metrics for leading Brazilian digital banks: Itaú, Nubank, Inter, and C6 Bank. Data includes client base, revenue, profitability, and more.
    Complimentary Research
    Infographic illustrating Banco Inter's retail product ecosystem, showcasing offerings across digital accounts, open finance, PIX payments, credit cards, lending, insurance, and investments.
    Complimentary Research
    Infographic design of Nubank's strategic expansion, investment, and diversification journey. Includes geographic expansion beyond Brazil and LATAM, investments in key players, and business model diversification beyond finance.
    Complimentary Research
    An infographic representation of open banking-powered account-to-account (A2A) payments growth in 2024 across partnership, launch, funding, and acquisition moves.
    Complimentary Research
    An infographic representation of companies involved in verification and fraud prevention using open banking in 2024.
    Complimentary Research
    An infographic representation of partnerships and product launches driving B2B growth through embedded lending, payments, cards, banking, and insurance solutions.
    Complimentary Research
    Select currency
    WS_Logo_-for-White-BG-01.png