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Attribute Buy Now Pay Later (BNPL)
Saturation Score
78 /100
Level High
Trend Falling
TAM US$ 500B em transações
Growth +10% em volume, -20% em lucratividade
Opportunities
  • + B2B BNPL for businesses
  • + High-ticket niches (healthcare, education)
  • + White-label for e-commerce
  • + Emerging markets
Risks
  • - Structurally high defaults
  • - Apple Pay Later is existential threat
  • - Credit regulation tightening
  • - Model depends on low rates
Key Players
Klarna Affirm Afterpay PayPal Apple Pay Later
Verdict Market consolidating. Only giants survive in general retail.