Consumer Credit

• Handle by the business themselves? - Store Credit Card.
• Financial Patner 0- BNPL provider
• Truth in Lending Act (TILA)
• Problems Solved:
  • Cash-flow mismatch
• Potential Problems Created
  • Merchant dependency on BNPL platforms (data lock-in, fees).
  • Lack of unified credit reporting (hidden debt accumulation).
  • Over-borrowing and repayment stress for consumers.
• How BNPL Decides Who Gets Credit
• Credit Info Database
• JD Asset Trading Platform