Best Practice Report

Disrupting Finance: Digital Point-Of-Sale Lending

Digital Point-Of-Sale Lenders Offer Alternative Credit To Consumers And Incremental Sales To Merchants

March 13th, 2017
Alyson Clarke, Principal Analyst
Alyson Clarke Principal Analyst
August du Pont, null
August du Pont
With contributors:
Benjamin Ensor , Jacob Morgan , Brendan Miller , Sam Wolken

Summary

Digital point-of-sale lending has emerged as a new category of lending to help consumers finance new spending and to help merchants reduce basket abandonment. By partnering with merchants and embracing digital technologies, disruptors like Affirm, Bread, and Klarna are competing directly with credit cards and store cards to provide customers with quick and easy short-term credit at the checkout. Digital business strategy executives should read this report to learn about the leading digital point-of-sale lenders, assess their disruptive potential, and understand how to outsmart them.

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