Russ Heiser on New Opportunities in Consumer Credit: The Market Between Extremes

The consumer-credit map has been redrawn over the past decade. Buy Now, Pay Later (BNPL) sprinted from niche checkout option to mainstream phenomenon, while payday loans and earned wage access (EWA) promised instant liquidity for workers whose bills don’t wait for payday. Yet as the cycle turns, cracks have widened at both ends of the […]