Skip to main content


The Future of Buy Now, Pay Later

Examining card-based BNPL and scalable automated decisioning to support the evolution of the industry

As Buy Now, Pay Later matures in Europe, innovation must remain a priority so the market can continue to thrive. One area ripe for innovation is optimising debit and credit cards for BNPL use. What is the secret to successful card-based BNPL? And what does automated risk decisioning have to do with that success?

Listen now to hear experts from Sileon and Provenir chat about the future of Buy Now, Pay Later and consumer lending in Europe, why the focus on credit and debit cards is important, and how transaction-based, modern risk assessment is key to managing risk and exceeding consumer expectations.

Key Takeaways:

  • Current and future trends for the BNPL market, and how consumer lending is changing
  • Why card-based BNPL will accelerate innovation in this mature market
  • How automated, AI-powered risk decisioning is key to scalable, profitable card-based BNPL
  • The importance of transaction-based risk assessment
  • Why data is such a critical driver of sustainable BNPL offers as well as holistic risk assessment and creditworthiness and encourages financial inclusion in BNPL


Bahareh Zand

Chief Product Officer, Sileon

Hubert de Linde

Regional Manager Nordics, Provenir


Balancing risk with opportunity can be a challenge – especially when you need to offer your custo…
Do you struggle to maintain your legacy decisioning systems? A lack of support from current vendo…
With extraordinary growth over the past twenty years, the financial services sector has seen incr…