Buy Now Pay Later (BNPL) has achieved significant adoption in e-commerce, while its penetration in physical retail remains marginal. This gap highlights a substantial growth opportunity for traditional commerce.
The presentation analyzes the key drivers behind this disparity, including the complexity of in-store integration processes, the operating models adopted by providers, and the limited accessibility for small and medium-sized enterprises. It will also explore how the evolution of digital platforms and distribution models is progressively enabling the expansion of BNPL into physical retail.
Through empirical data and operational evidence, the session will examine BNPL adoption dynamics in brick-and-mortar stores and its potential impact on conversion rates, average transaction value, and the competitiveness of local businesses.