Payment apps push BNPL comeback with UPI-led credit offers
In short
Payment apps are bringing BNPL back by mixing shopping, payments and credit. They use UPI to get customers, pay for purchases, and watch how people repay before offering bigger loans.
This could help lenders judge borrowers better and make BNPL work more profitably, if the model scales.
What the reporting says
Payment apps are pushing a BNPL comeback by combining payments, shopping and credit, using UPI to acquire customers and then financing purchases. The reported model also uses repayment behaviour to assess borrowers for larger loans.
Why it matters
Payment apps are trying to revive buy-now-pay-later by tying it to UPI transactions and shopping flows. The reported approach uses repayment behaviour as a signal for later loan decisions, which could improve credit assessment for lenders and platforms.