: A 2026 economic brief from the Richmond Fed discussing industry trends, including a decline in charge-off rates due to better credit risk models.

: Zip’s official stance on Australian regulatory options, where it advocates for specific credit protections for vulnerable customers.

: This Harvard Business School/NBER working paper provides an early look into the US market by linking BNPL activity with bank and credit card data to see how it impacts broader spending and financial health.