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  -title: "How Will Regulations Impact The “Buy Now, Pay Later” Schemes?"
  -slug: "how-will-regulations-impact-the-buy-now-pay-later-schemes"
  -introtext: "<p>The “Buy Now, Pay Later” (BNPL) sector has grown in popularity in recent years, with its popularity outpacing any regulation.</p>\r\n"
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    <p>Consequently, policy-makers are left playing catch up to regulate this industry.</p>\r\n
    <h2>The Popularity of BNPL</h2>\r\n
    <p><img src="/images/articles/global-economy/The_Most_Important_Body_Language_Signal_for_Leadership_Presence.jpeg" alt="The Most Important Body Language Signal for Leadership Presence" width="600" height="400" /></p>\r\n
    <p><a href="financial/best-buy-now-pay-later-loans-apps-with-guaranteed-approval" target="_blank">BNPL schemes</a> have become extremely popular, especially in the UK. With many different financial products saturating the market, they have altered how consumers shop online and have offered a whole new service for online merchants. BNPL, also known as delayed payments, experienced unparalleled growth during the pandemic; in 2020 alone, <a href="https://dimealley.com/guides/what-is-buy-now-pay-later/" target="_blank" rel="noopener">the use of BNPL payments rose four-fold</a>, and its client base grew by 5 million.&nbsp;</p>\r\n
    <h2>The Advantages are Clear</h2>\r\n
    <p>There are many clear benefits of BNPL schemes. It works because customers can pay in installments, but unlike with traditional loans or credit cards, the repayments are interest-free. Consequently, consumers have much more payment flexibility, and merchants can broaden their offerings and expand their clientele.</p>\r\n
    <h2>Is it Safe?</h2>\r\n
    <p>BNPL providers have come under scrutiny due to the vulnerable nature of their target market: Millennials and Gen-Z users. However, although BNPL offers flexibility for consumers, the “interest-free” selling point comes with a caveat. Most BNPL providers will penalize customers for any late payments, and these fees can be as much as 25% of the purchase price.&nbsp;</p>\r\n
    <p>Younger consumers are more likely to make purchases online and be attracted to the offer of interest-free payments. This demographic is also one which may find it more challenging to qualify for traditional loans or lines of credit.</p>\r\n
    <p>Policy-makers are considering how BNPL can become a more responsible form of lending to avoid any loan scandals or predatory lending practices. Currently, BNPL lacks strict regulation making it a free-for-all for BNPL providers. However, the UK’s Financial Conduct Authority (FCA) <a href="https://www.fca.org.uk/news/press-releases/fca-secures-contract-changes-buy-now-pay-later-customers" target="_blank" rel="noopener">has offered guidance and recommendations</a> on how the BNPL sector could become more sustainable. Their tips include advice such as carrying out affordability checks.</p>\r\n
    <h2>The Need for Regulation</h2>\r\n
    <p><img src="/images/articles/global-economy/Modern_Financial_Regulation.jpeg" alt="Modern Financial Regulation" width="600" height="400" /></p>\r\n
    <p>Policy-makers are currently battling the delicate balance between introducing regulation and potentially stalling the progress of fintech companies. Experts say that a too strict crackdown could hurt consumers, retailers, and the growth of the UK’s fintech sector.</p>\r\n
    <p>However, it is also the responsibility of the FCA to protect consumers. BNPL can lure consumers into purchasing items they otherwise cannot afford and could trap them in a cycle of debt. One of the proposed regulations is to ban late fees; however, although this could protect consumers, this would impact many BNPL companies whose business models are based on these fees.</p>\r\n
    <p>Another idea is to redefine BNPL businesses in the sense of a more traditional lender, meaning that they would be subject to the same legislation. Subsequently, that would defeat the point of BNPL and rule out a large proportion of the customer base. However, that most likely includes introducing interest fees for the model to be sustainable.</p>
    """
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    "line" => 95
    "function" => "finishView"
    "class" => "Symfony\Component\Form\ResolvedFormType"
    "type" => "->"
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    "function" => "finishView"
    "class" => "Symfony\Component\Form\Extension\DataCollector\Proxy\ResolvedTypeDataCollectorProxy"
    "type" => "->"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
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    "function" => "createView"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
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    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
    "line" => 41
    "function" => "getMetadataBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/twig-bridge/AppVariable.php"
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    "function" => "twig_get_attribute"
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    "function" => "renderHeader"
    "class" => "App\Controller\AppController"
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    "class" => "Symfony\Component\HttpKernel\HttpCache\SubRequestHandler"
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    "class" => "Symfony\Component\HttpKernel\Fragment\InlineFragmentRenderer"
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    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\Fragment\FragmentHandler"
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  [
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    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\DependencyInjection\LazyLoadingFragmentHandler"
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  [
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    "line" => 207
    "function" => "renderFragment"
    "class" => "Symfony\Bridge\Twig\Extension\HttpKernelRuntime"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 171
    "function" => "block_header"
    "class" => "__TwigTemplate_dc67cdc305f050f0a27ba7ef152f05af"
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    "function" => "displayBlock"
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    "function" => "displayWithErrorHandling"
    "class" => "Twig\Template"
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    "function" => "render"
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    "type" => "->"
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  [
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    "line" => 448
    "function" => "render"
    "class" => "Twig\Environment"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
    "line" => 277
    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
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    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
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    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_CHARSET 
"ISO-8859-1,utf-8;q=0.7,*;q=0.7"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_ACCEPT_LANGUAGE 
"en-us,en;q=0.5"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=4ff0d4k4ugudjgc5n8r5m300i1; care_did=acb4c56c-eb88-47a8-9882-c06291e0172a"
HTTP_FORWARDED 
"for="3.17.75.8";host="rct.dev.bbntimes.com";proto=https"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
HTTP_X_FORWARDED_FOR 
"3.17.75.8"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PATH_INFO 
""
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
"_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CController%255CArticleController%253A%253ArelatedArticles"
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
REDIRECT_REDIRECT_SCRIPT_URL 
"/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"Z7nRrriBoyj8JZ8-HGyDJAAAAAc"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
REDIRECT_SCRIPT_URL 
"/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"Z7nRrriBoyj8JZ8-HGyDJAAAAAc"
REDIRECT_URL 
"/public/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
REMOTE_ADDR 
"127.0.0.1"
REMOTE_PORT 
"37121"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1740231086
REQUEST_TIME_FLOAT 
1740231086.9853
REQUEST_URI 
"/_fragment?_path=_format%3Dhtml%26_locale%3Den%26_controller%3DApp%255CController%255CArticleController%253A%253ArelatedArticles"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
SCRIPT_URL 
"/companies/how-will-regulations-impact-the-buy-now-pay-later-schemes"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
"Z7nRrriBoyj8JZ8-HGyDJAAAAAc"

Parent Request

Return to parent request (token = 70db94)

Key Value
_controller 
"App\Controller\ArticleController::show"
_firewall_context 
"security.firewall.map.context.main"
_links 
Symfony\Component\WebLink\GenericLinkProvider {#3551
  -links: [
    3672 => Symfony\Component\WebLink\Link {#3672
      -href: "/build/runtime.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3670 => Symfony\Component\WebLink\Link {#3670
      -href: "/build/644.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3669 => Symfony\Component\WebLink\Link {#3669
      -href: "/build/502.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3668 => Symfony\Component\WebLink\Link {#3668
      -href: "/build/app.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3667 => Symfony\Component\WebLink\Link {#3667
      -href: "/build/view-more.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3666 => Symfony\Component\WebLink\Link {#3666
      -href: "/build/term-condition.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3665 => Symfony\Component\WebLink\Link {#3665
      -href: "/build/contact.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3664 => Symfony\Component\WebLink\Link {#3664
      -href: "/build/scroll-infinite-article.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3663 => Symfony\Component\WebLink\Link {#3663
      -href: "/build/app.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3662 => Symfony\Component\WebLink\Link {#3662
      -href: "/build/cookie-style.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3661 => Symfony\Component\WebLink\Link {#3661
      -href: "/build/term-condition-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3660 => Symfony\Component\WebLink\Link {#3660
      -href: "/build/contact-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3659 => Symfony\Component\WebLink\Link {#3659
      -href: "/build/comment-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
  ]
}
_route 
"article_show"
_route_params 
[
  "category" => "companies"
  "slug" => "how-will-regulations-impact-the-buy-now-pay-later-schemes"
]
_security_firewall_run 
"_security_main"
_stopwatch_token 
"c718d7"
category 
"companies"
slug 
"how-will-regulations-impact-the-buy-now-pay-later-schemes"