The Flex Economy

How Buy Now, Pay Later and Point of Sale Finance are shaping the next era of checkout.

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The Flex Economy

How Buy Now, Pay Later and Point of Sale Finance are shaping the next era of checkout.

Get the full report

Buy Now, Pay Later (BNPL) and Point of Sale (POS) Finance are rewriting the rules of checkout. Consumers are adopting them fast, and merchants are capturing bigger baskets, repeat business, and new customers. 

We surveyed 2,000 UK consumers and 150 enterprise merchants to uncover how behaviour is shifting, what’s driving growth, and where the risks and opportunities lie.

Inside the report, you’ll discover:

  • how consumers are really using BNPL and POS Finance today and where gaps in usage are creating missed opportunities
  • where consumer journeys begin and how that shapes acquisition strategies
  • why BNPL stops at lower-ticket purchases and how POS Finance unlocks growth in the mid-ticket space
  • which features merchants and consumers prioritise when selecting providers and what this means for your long-term strategy
  • how upcoming BNPL regulations will reshape the market and what merchants can do to adapt early.

Why this report matters for businesses

  • Stay ahead of shifting consumer behaviour that is directly impacting conversion and retention.
  • Identify new revenue opportunities by understanding where current financing models fall short.
  • Gain a competitive advantage by preparing now for regulatory change and consumer trust signals.
  • Make more informed decisions when selecting BNPL and POS Finance partners, using insight on what drives merchant performance.
  • Strengthen your business case with data-backed evidence that connects flexible finance to growth.

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