BNPL solutions have disrupted traditional credit mechanisms by offering consumers short-term instalment plans at the point of sale with low or zero interest rates. By 2025, BNPL has spread beyond e-commerce into areas such as travel, healthcare, and education.

The world of online payments has undergone a transformative journey in the past decade. Technological innovations, shifting consumer preferences, and evolving regulatory landscapes have converged to reshape how individuals and businesses transact.