{"id":69456,"date":"2026-05-11T16:31:53","date_gmt":"2026-05-11T14:31:53","guid":{"rendered":"https:\/\/www.lexia.it\/2026\/05\/11\/payments-buy-now-pay-later\/"},"modified":"2026-05-11T16:50:27","modified_gmt":"2026-05-11T14:50:27","slug":"payments-buy-now-pay-later","status":"publish","type":"post","link":"https:\/\/www.lexia.it\/de\/2026\/05\/11\/payments-buy-now-pay-later\/","title":{"rendered":"The boom in &#8222;Buy Now, Pay Later&#8220; payments: the risks of late payments and how to protect yourself"},"content":{"rendered":"\n<p>Buy Now Pay Later (BNPL) continues to experience significant growth in Italy. According to the latest CRIF data, the sector recorded a +49.8% increase compared to 2024, confirming its position as an increasingly popular solution among consumers, particularly younger generations, also as an alternative to traditional small consumer loans.<\/p>\n\n\n\n<p>The spread of BNPL has been driven by ease of access, the speed of digital processes and the possibility of deferring payments immediately. However, this form of financing still benefits from a partially simplified regulatory regime compared to other forms of consumer credit.<\/p>\n\n\n\n<p>The regulatory landscape is set to change with the introduction of the new Consumer Credit Directive II, expected in November 2026. The European directive will bring most BNPL transactions within the scope of consumer credit regulation, introducing stricter requirements regarding pre-contractual and contractual transparency, as well as more rigorous creditworthiness assessments.<\/p>\n\n\n\n<p>The Bank of Italy has also recently addressed the issue, drawing operators\u2019 attention to the upcoming regulatory changes. As highlighted by <a href=\"https:\/\/www.lexia.it\/de\/professionista\/angelo-messore\/\">Angelo Messore<\/a> in an interview with La Stampa: \u201cIt is reasonable to expect that, in this context, the Bank of Italy will begin exercising its supervisory powers more incisively, carrying out more detailed checks on operators\u2019 compliance with the applicable regulations.\u201d<\/p>\n\n\n\n<p>The evolving regulatory framework therefore represents a crucial turning point for the BNPL sector, likely to impact both fintech operators\u2019 business models and consumer protection mechanisms within a rapidly expanding market.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lastampa.it\/tuttosoldi\/2026\/04\/21\/news\/il_boom_di_pagamenti_con_la_formula_buy_now_pay_later_i_rischi_per_i_ritardi_e_come_difendersi-15592416\/\">Full interview on La Stampa ><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buy Now Pay Later (BNPL) continues to experience significant growth in Italy. According to the latest CRIF data, the sector recorded a +49.8% increase compared to 2024, confirming its position as an increasingly popular solution among consumers, particularly younger generations, also as an alternative to traditional small consumer loans. The spread of BNPL has been &hellip; <a href=\"https:\/\/www.lexia.it\/de\/2026\/05\/11\/payments-buy-now-pay-later\/\">Continued<\/a><\/p>\n","protected":false},"author":13,"featured_media":69449,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[794],"tags":[],"area":[],"collana":[],"competenza":[733],"class_list":["post-69456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-de","competenza-financial-services-regulatory-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The boom in &quot;Buy Now, Pay Later&quot; payments - LEXIA<\/title>\n<meta name=\"description\" content=\"BNPL continues to grow: new EU rules will strengthen transparency, creditworthiness assessments and regulatory oversight of operators.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexia.it\/de\/2026\/05\/11\/payments-buy-now-pay-later\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The boom in &quot;Buy Now, Pay Later&quot; 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