General Session: TransUnion: Deeper Dive into BNPL Consumer Behaviour

POS/BNPL lending has continued to gain popularity among consumers, and additional market and regulatory scrutiny, interest in understanding POS/BNPL consumer behaviors has increased.

In this session, we’ll dive deeper into this analysis, using TransUnion’s proprietary BNPL and POS database and focus particularly on a more granular view of how participation in these markets impacts performance on other products across different consumer risk segments. Do we still see balance building behaviors cross wallet? Are consumers with multiple POS/BNPL inquiries showing signs of distress on their traditional products? These questions and more will be addressed in detail. The insights from this session will be important not just to POS/BNPL lenders but to lenders of traditional products, including cards and personal loans, to understand how shifts in consumer behavior and preference are impacting usage and performance on other products in their wallets.

Speakers

Smriti Kapoor

Smriti Kapoor

Manager, Credit Solutions Consulting, TransUnion

Smriti Kapoor is an Advisor on the Consumer Credit Solutions Consulting team at TransUnion Canada, supporting fintech, insurance, and banking clients with credit risk strategy, model development, approval optimization, and go-to-market strategies. She helps organizations leverage data and analytics to drive growth while managing risk effectively. Smriti recently presented at TransUnion's International Insurance Summit and brings practical expertise in helping financial institutions and fintechs make data-driven decisions.

×