1. The share of consumer who have used BNPL options has increased q/q and sits at series highs.
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2. Delinquency rates on BNPL have improved slightly with over 85% saying they are not behind on payments.
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3. 61.4% of respondents note that they would use BNPL services because it would help them budget/manage their cash flows.
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4. Overall, BNPL offering such as Affirm, Klarna, and AfterPay continue to lag far behind credit cards, Apple Pay, and cash in terms of usage.
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5. Consumers continue to note that they would increase their discretionary spending behavior with BNPL services vs. without.
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