The Second-Chance Consumer

Report: Offering BNPL Is Key To Unlocking Spend For One-Quarter Of US Consumers Nearly one-quarter of U.S. adults have recovered from recent financial turmoil, but their credit scores are locking them out of traditional credit options when making retail purchases. The Second-Chance Consumer report, a PYMNTS and Sezzle collaboration, analyzes the responses of a national sample of 7,000 U.S. consumers to learn how using buy now, pay later can help these individuals improve their credit scores, manage their finances and bring more purchases within reach.
Inside the September Study:
  • 29 million: Number of U.S. consumers that have used BNPL for at least one online purchase within the past year
  • 73 percent: Share of second-chance consumers who have used or would use BNPL who say it would let them make purchases more frequently
  • 30 percent: Portion of second-chance consumers who earn more than $100,000 annually

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    BNPL Playbook

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