Australian BNPL Self Regulation: A Good Start Though it Lacks the Force of Law
The Australian Finance Industry Association (AFIA), an industry trade group, released the first version of self-regulations on the Buy Now...
BNPL: Is It a Credit Card, A Debit Card, Or What Will it Be?
The Buy Now Pay Later Model is a simple loan, which originates with a retailer, and is then sold to...
Taxing Rewards: The IRS Seems Fair on this Topic, Even with This Special Circumstance
This time of year, with April 15 less than two months away, the topic of credit card rewards and their...
Paying the COVID Piper: This Can Take (Many) Years to Flush Out
If you look at numbers published by the Federal Reserve, the credit card business had a fantastic year. Delinquency rates...
Mastercard & ACI Worldwide in Peru: Leap Frogging Ahead
We covered the LAC market in-depth in this Mercator report, and one of the findings was that Peru is a...
The Dead Cat Bounce in Revolving Credit Card Debt: Not So Bad Considering the Facts
The number for credit card issuers to watch is revolving debt in the United States. The metric I prefer is...
BNPL Buzzkill: Memories of Peer-to-Peer Lending
It is hard to argue with the fact that people love BNPL lending. It is fast, approval rates are nearly...
Everyone Wants To Be A Banker or Credit Card Company: Ikea Enters the Space
IKEA is an interesting company, as their investor relations group explains: IKEA is a franchise business. That means that many...
COBOL: Not Just for Old Credit Card Hacks
COBOL, an acronym for "Common business-oriented language," seemed like rocket science when I first learned it, but frankly, Jimmy Carter...
Leasing to Own: The Dark Side of BNPL, or Just Another Payment Option?
Regulators aim at BNPL to bring some credit-card-like structure to Buy Now Pay Later (BNPL) borrowing, as we see in...
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