By Now Pay Later is not something new. Offline, it’s a process that goes back several decades. Online we’ve started to see offers develop in the last 10 years with a real acceleration powered by fintech innovation in the last 5 years. In the UK this market represents $27Bn and is expected to reach $55Bn by 2028 according to Payments Cards and Mobile. Recently we’ve started to witness the appearance of what’s called BNPL 2.0. According to CU today 61% of BNPL users would rather use a BNPL service offered directly from the merchant they’re buying from than go through a third party. In this episode we’ll be speaking about BNPL2.0 and wonder if this is in fact the future, its advantages and pitfalls Guests:  Geordie Laing – Head of Partnerships at Zing Cover Thomas Bull – Partner at EY and Head of Fintech Growth