Regulatory changeBNPL is now regulated. The real work has begun.
On 15 July 2026, Buy Now Pay Later formally entered the FCA's regulatory perimeter.
Stephen Wright · 20 July 2026
Author · arum Insights
Stephen Wright
Sales Director at arum. 8 articles, writing since 2021.
About Stephen
Sales Director
Writes about
- Regulatory change
- Buy Now Pay Later
- Events
- Digital and AI
- Macro economics
- Energy
Leads financial services engagements across the UK and Canada, with a track record of delivering complex solutions for major enterprises including Citibank, Lloyds Banking Group, Centrica, Chevron and Shell.
- 8 articles published, most recently on 20 July 2026
- Writing for arum since 2021
Articles
Written by Stephen Wright
- Regulatory change
EventsPayments Canada Summit 2026: what Canadian banks must do next
Last week, we joined more than 2,500 delegates in Toronto for the 2026 Payments Canada SUMMIT.
Stephen Wright · 13 May 2026
Regulatory changeBNPL regulations 2026: what lenders must do now
What BNPL lenders need in place for 2027, now the FCA expects firms to prove their arrears frameworks work rather than just exist on paper.
Stephen Wright · 20 March 2026
Digital and AIShared ETL code libraries: improving data quality and delivery
Shared ETL code libraries stop the same logic being rebuilt in every pipeline, and lift data quality and delivery speed in collections operations.
Stephen Wright · 19 February 2026
Macro economicsBlue Monday, BNPL and credit cards: UK collections risk in 2026
As Blue Monday marks the emotional low point of the year for many UK consumers, its financial counterpart is already emerging.
Stephen Wright · 12 January 2026
Macro economicsBNPL holiday surge and credit card debt: the 2026 US outlook
Across the US and Canada, Buy Now Pay Later (BNPL) shattered holiday spending records while consumers carried near-record credit card balances into 2026.
Stephen Wright · 17 December 2025
Macro economicsWhat has fuelled the energy crisis? And what can energy firms do next?
In a recent blog, I took a look at the issues caused by the current energy crisis and how they are impacting collections.
Stephen Wright · 5 October 2021
Macro economicsWeathering the energy 'perfect storm'
The energy crisis is a combination of structural industry challenges and macroeconomic shocks. What it means for collections, and how suppliers can respond.
Stephen Wright · 29 September 2021