If you’ve bought anything online in the last couple of years, you’ve probably noticed some new payment option when getting to the checkout page of many online retailers Companies like Affirm, Afterpay, and Klarna have all started offering buy now pay later services that allow users to pay for their purchases over a series of instatement rather than paying up front and in full at checkout. The rise of this new payment form represents a major shift in the payments industry, offering consumers increased flexibility in managing their finances while avoiding the often times aggressive fees from credit cards. But with so much attention being paid to the buy now pay later market, I figured we should take a look at the underlying business model to get a better understanding of the market overall and determine for ourselves whether the hype is truly justified.

Chapters:
0:00-1:44 Intro
1:44-3:17 What is Buy Now Pay Later
3:17-4:48 Market Opportunity
4:48-6:00 Business Model
6:00-7:07 Value Proposition for Merchants
7:07-8:01 Unit Economics
8:01-10:33 Own the Demand
10:33-11:21 Flywheel Effect
11:21- 14:06 Recessionary Concerns
14:06-15:13 Closing Thoughts

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