Sector · Buy Now Pay Later

BNPL technology for a digital-first model.

The market scaled at speed. Regulation caught up.

On 15 July 2026, Buy Now Pay Later entered the FCA's regulatory perimeter. Regulation brings clarity, and lenders with the right collections, affordability and vulnerability capability are well placed to grow with it, at the speed a digital-first business expects.

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Over £13bn

BNPL lending has grown from £0.06bn in 2017 to over £13bn in 2024. Collections technology built for that pace keeps up with it

Source: FCA, PS26/1 Regulation of Deferred Payment Credit, February 2026

What we see

Three decisions that shape BNPL collections.

Build or buy

Deciding what belongs in your core product, what to build and what to buy, before engineering time is committed.

Digital without disconnection

Automated, self-service and assisted journeys that feel like one experience to the customer.

Scaling with evidence

Scorecards and the Financial Vulnerability Score that improve treatment as the book grows and repayment data builds up.

Regulatory context

BNPL is now FCA-regulated.

Rules in other markets differ and are still developing. Collections technology needs to meet them without losing the speed your customers expect.
  • FCAThe UK conduct regulator. Buy Now Pay Later entered its regulatory perimeter on 15 July 2026.

How we help

Collections built for the way your customers already pay.

Your business was built on fast, digital customer experiences. Collections now has to match that, while volumes grow, portfolios mature and the regulator looks more closely.

We help you define the collections capability you need, decide what to build and what to buy, select specialist technology and AI, and get it live. As real repayment behaviour emerges, our analytics segment accounts and build scorecards that improve prioritisation.

How we help, in eight services

Where we help BNPL lenders.

  1. Advise

    Work out what you need, and whether to optimise, buy or build.

  2. Procure

    Choose the right technology from the whole market, at the right price.

  3. Implement

    Get it live, on a plan the business can trust.

  4. Rescue

    Get a stalled programme moving again, and through to go-live.

  5. Optimise

    Get more from the technology, data and the AI you already own.

Specialist services

AI solutionsPrepare, select, implement and govern practical AI in collections.AnalyticsUse scoring, segmentation and insight to improve outcomes.Managed servicesRun and improve your collections technology with a specialist team.

FAQs

Questions BNPL lenders ask us

Should a BNPL provider build or buy collections technology?
It depends on your product, scale, existing architecture and where your real differentiation lies. We define the requirements, assess build against buy and create the roadmap for either route.
Can you help us select specialist collections or AI technology?
Yes. We map the market, assess vendors against your requirements, run selection and negotiation, and can stay through implementation.
How do we keep collections fair as we scale quickly?
We build the Financial Vulnerability Score and explainable decisioning into the technology, so treatment stays appropriate as volumes and behavioural data grow.
Where does AI fit in a BNPL collections operation?
In prioritisation, affordability signals and vulnerability identification, at the speed a digital-first business needs. We help you decide what to build, what to buy from the AI providers we have evaluated and how to keep every automated decision explainable to the FCA.

Let's talk.

Thirty minutes with one of our senior experts. Bring the decision you're facing, whether that's build or buy, a technology choice or meeting the FCA's rules.
General enquiry
  • AtlantaAtlanta Financial Center, 3343 Peachtree Rd NE, Suite 145, Atlanta, GA 30326
  • London1 Lyric Square, London W6 0NB
  • Sydney97-99 Bathurst St, Suite 1087, Ground Floor, Sydney NSW 2000