On this episode of Descoped, we explore the emerging "Buy Now, Pay Later (BNPL)" space. Our guest and co-host on this show together explore how BNPL has changed how consumers purchase products. With transparency in fees, people can complete online purchases with a clear understanding of exactly how much they will pay over a set amount of payments. BNPL also offers credit and privacy protection not found in traditional loan and credit card products.

But where is BNPL in the development cycle and widespread adoption today? And why are some companies finding great commercial success while others haven’t?

On this episode of Descoped, we speak with guest Kunal Shah, Head of Treasury, Payments and Capital Markets at Uplift and Nithin Bose, VP of Product and Customer Success at Very Good Security, who dive into the depths of the past, present, and future of BNPL.

Main topics:

• Benefits of BNPL for consumers and companies
• What makes BNPL products successful, and why some fail
• The global future of BNPL

Our guests

• Kunal Shah Kunal is currently working as the Head of Treasury, Payments, and Capital Markets at Uplift Inc., a startup company based in San Francisco, California. He has been with the company for about four years, during which he effectively scaled the platform, leading and collaborating across executive, operational and functional teams from initial product-market fit, to more than $100M in annual revenue. He has also administered various capital transactions, including warehouse credit facilities, corporate debt, whole loan sales, securitization, and bank partnerships. Prior to joining Uplift, Kunal provided mentorship to early stage companies like Ticr, Oculis-mountain lodge, & Adventure-locals. Kunal is skilled in capital raising, operational management, financial planning & consulting, and strongly believes in data evangelism. He also possesses a Master’s in Finance from HULT international Business School. Nithin Bose Nithin leads Product and Customer Success at VGS. He has been at VGS for the past three years, helping build and scale the organization through its 10x revenue growth phase. He is a seasoned leader with a track record of building various GTM and R&D teams at both startups and larger publicly traded organizations. Nithin’s initial career is rooted in technology consulting, helping large organizations drive transformation. Nithin is a parent of a teenager and a naughty golden retriever.

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For more insights, practical advice, and the latest trends in payments security, subscribe to the show in your favorite podcast app or check us out at VeryGoodSecurity.com.

If you'd like to be a guest or you have a suggestion of a topic you'd like us to cover, please email us at pod@verygoodsecurity.com.

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