{"podcast":{"title":"The Banker Next Door","slug":"the-banker-next-door-6597036","podcast_index_feed_id":6597036,"rss_url":"https://feed.podbean.com/joeberq/feed.xml","website_url":"https://joeberq.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/14138475/LOGO-2C-Vertical-1800x1800_4cmi58.jpg","author":"Dr. Joseph Bergquist","episode_count":400,"summary":"BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.","last_synced_at":"2026-07-29T06:17:38.092525+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036"},"episode":{"title":"Should banks adopt Buy Now, Pay Later?","slug":"should-banks-adopt-buy-now-pay-later","published_at":"2026-06-04T16:00:00+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036/should-banks-adopt-buy-now-pay-later","show_page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036","url":"https://joeberq.podbean.com/e/should-banks-adopt-buy-now-pay-later/","audio_url":"https://mcdn.podbean.com/mf/web/bqwmnyttvbhzxdxr/Should_banks_adopt_Buy_Now_Pay_Laterbokbu.mp3","summary":"As consumer usage of Buy Now, Pay Later (BNPL) continues to increase, should banks consider offering this product for their customers? 50 million consumers have used BNPL over the last 12 months. Total transaction value increased to $70 billion in 2025. Problems with BNPL persist. There are concerns with consumers around delinquency and behavior finance issues. There are considerations internally regarding offering a product like this such as compliance, credit risk, and consumer protection. Despite the challenges, should a bank decide to offer BNPL to their customers there are several options available. Embedded partnerships, debit-based BNPL, and BNPL checking accounts are three options to consider. This episode reviewed a blog post from PCBB titled “An BNPL booms, CFIs weigh opportunity vs. risk.” A link to the blog post is included below. Link: As BNPL Booms, CFIs Weigh Opportunity vs. Risk","meta_description":"As consumer usage of Buy Now, Pay Later (BNPL) continues to increase, should banks consider offering this product for their customers? 50 million consumer…","key_points":[],"chapters":[],"topics":[],"duration_seconds":617,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/should-banks-adopt-buy-now-pay-later/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-banker-next-door-6597036/should-banks-adopt-buy-now-pay-later.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}