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Boring perhaps, but I would agree with David that the time has probably come for some regulation. Not because there is a burning platform that requires urgent intervention, but becasue it is easy it will be necessary rather sooner than later. BNPL has been around now for some years and the rough edges seem to have been polished off voluntarily here and there to the benefit of the consumers. Which is why I would contend that the BNPL industry, even if it is still fast growing, has to grow up from adolescence to maturity. With a clear line of sight for BNPL incumbents and newcomers alike on the do's and don'ts of BNPL, thus creating a competitive level playing field which will ultimately benefit and protect the consumer.

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