Buy Now, Pay Later (BNPL) isn’t yet a win-win partnership between issuers and fintechs.

Issuers don’t benefit when BNPL fintechs take control of the customer relationship. They’re also aware that account-to-account payments are poised to displace repayments on debit cards. Meanwhile, fintechs are competing down their margins in an increasingly commoditized BNPL sector.

The perspectives of issuers and fintechs on BNPL are quite different. They shouldn’t be.

Network installments brings fintechs and issuers together by combining installment economics with open-loop scale.

When deftly combined with digital-first and data-first strategies, network installments allow any BNPL provider—whether a fintech turned issuer or a traditional issuer—to offer compelling interest-free installments to consumers at any retailer, anywhere.

Download the full report to learn how network installments can benefit retailers and consumers alike by making BNPL a win-win partnership for fintechs and issuers.