Mastodawn

Valtio säästää, kulutusluotot lisääntyvät

Suomessa käydään kiivasta keskustelua suuresta julkisesta velasta. Vähemmälle huomiolle on jäänyt, että myös kotitaloudet, kiitos uusien kulutusluottojen, ovat velkaantuneet. Suurimmassa ylivelkaantumisen riskissä ovat jälleen pienituloiset, joihin uudet velkainstrumentit usein käytännössä kohdistuvat. Muutos on ollut nopea. Vielä vuonna 2005 noin 85 prosenttia kotitalouksien velasta oli asuntolainaa tai taloyhtiölainaa, pitkäaikaista ja varallisuuteen sidottu. Vuonna 2025 […]

https://www.vasemmistonyt.fi/2026/04/17/valtio-saastaa-kulutusluotot-lisaantyvat/

Susana Gomes Apr 5

Klarna aporta $1.7 mil millones de transacciones para apoyar hasta $40 mil millones de préstamos. El Fintech multinacional busca optimizar su eficiencia capitalista y acelerar el crecimiento en mercados clave. #Fintech #Neobanco #BNPL

https://www.crowdfundinsider.com/2026/04/271414-bnpl-fintech-klarna-commits-to-1-7b-transaction-supporting-up-to-40b-of-lending/

BNPL Fintech Klarna Commits to $1.7B Transaction Supporting Up to $40B+ of Lending,

Klarna (NYSE:KLAR), the global digital bank and payments innovator, has unveiled two strategic funding initiatives in quick succession to enhance its capital efficiency and accelerate growth in key markets. These arrangements highlight the Fintech company's ongoing efforts to optimize its balance sheet while scaling flexible financing options for consumers worldwide.

Crowdfund Insider

Alex Jimenez Apr 4

Sharpton cites #BNPL racial disparities

The civil rights leader noted that Black and Hispanic consumers are more likely to use buy now, pay later loans and urged state AGs to expand their inquiry.

https://www.paymentsdive.com/news/sharpton-cites-bnpl-racial-disparities/816466/

#FinTech #FinServ #Banking

Sharpton cites BNPL racial disparities

The civil rights leader noted that Black and Hispanic consumers are more likely to use buy now, pay later loans and urged state AGs to expand their inquiry.

Payments Dive

TheBadPlace Mar 31

All Content from Business Insider | America runs on funny money now by Ayelet Sheffey

Getty Images; Tyler Le/BI

When Mirav Steckel opened each of her 15 credit cards, she thought the discounts and rewards they offered would save her money. Instead, her plastic portfolio pushed her into impulse purchases and forced her to reevaluate her spending habits.

"If it was a really bad day at work, my first thought wasn't, 'Oh, let me go home and chill.' It was, 'I'm going to go treat myself to something that's going to make me feel better,' but it got to a point where I was asking people around me for money to pay my cards off," Steckel tells me. "That's not the type of life that I wanted to live."

'It's gotten so easy to spend''It's hard to keep track'The serious consequences of the funny moneyRead the original article on Business Insider

#bnpl #consumer-spending #credit-cards #debt #economy

Companies are making it easier than ever to spend — and harder to know what you can actually afford

Buy now, pay later and rewards programs are making spending far too easy and frictionless. It's causing more debt and worse financial decisions.

Business Insider

Alex Jimenez Mar 27

Klarna struggles with loan loss accounting

With an assertive push into banking, the buy now, pay later pioneer has expanded consumer lending – along with growth in its loss provisions.

https://www.paymentsdive.com/news/klarna-struggles-to-explain-itself-consumer-loans-bnpl/815822/

#FinTech #FinServ #Banking #BNPL

Alex Jimenez Mar 22

Affirm outlines options if economic stress rises

The buy now, pay later player spelled out ways in which it could adjust its lending in the event U.S. economic uncertainty creates more stress for consumers.

https://www.paymentsdive.com/news/affirm-outlines-options-if-economic-stress-rises/815195/

#FinTech #FinServ #Banking #Payments #PayTech #BNPL

Affirm outlines options if economic stress rises

The buy now, pay later player spelled out ways in which it could adjust its lending in the event U.S. economic uncertainty creates more stress for consumers.

Payments Dive

Alex Jimenez Mar 20

When #BNPL moves into the monthly budget, payment awareness falls apart

One in 3 BNPL users who rely on the product for monthly expenses and essentials say they sometimes don't know when their next payment is due

https://content-na1.emarketer.com/bnpl-moves-monthly-budget--payment-awareness-falls-apart

#FinTech #FinServ #Banking #Payments #PayTech

Alex Jimenez Mar 14

Cash-strapped homeowners tap #BNPL

Researchers at the JPMorgan Chase Institute found that homeowners are most likely to use buy now, pay later tools when their bank accounts are low or their credit cards are maxed out.

https://www.paymentsdive.com/news/cash-strapped-homeowners-tap-bnpl/814345/

#FinTech #FinServ #Banking #Payments #PayTech

Cash-strapped homeowners tap BNPL

Researchers at the JPMorgan Chase Institute found that homeowners are most likely to use buy now, pay later tools when their bank accounts are low or their credit cards are maxed out.

Payments Dive