Buy now, pay later trends and usage

Buy now, pay later trends and usage

Buy now, pay later trends and usage

Buy now, pay later trends and usage

Discover buy now, pay later usage and stats data from 10,000 consumers. Get expert tips and explore the latest BNPL trends.

Discover buy now, pay later usage and stats data from 10,000 consumers. Get expert tips and explore the latest BNPL trends.

Industry-guides

Industry-guides

Industry-guides

19 Nov 2024

Imagine walking into a shop, immediately taking home your desired items, and then paying for them over the next few months – totally interest-free. Just a few years ago, it would have felt like magic. Now, it's exactly what buy now, pay later (BNPL) payments provide. Is it any wonder they're reshaping how millions of people shop?

Over the last decade, BNPL's growth has been staggering. The statistics back this up: the global BNPL market share has skyrocketed from 0.4% to 5%. And global BNPL transactions are predicted to increase by more than 400 billion Euros between 2021 and 2026.

Dig a bit deeper, and interesting patterns emerge: BNPL's rapid growth is stabilising as it becomes a more mainstream payment option. The market is maturing, consumers are more familiar with BNPL services, and while usage remains strong, it has shifted from an exciting novelty to a regular part of the online shopping experience. 

So, how are consumers using it, and how has their behaviour evolved in the past year? Understanding these shifts is crucial for businesses operating in the European market.

To understand the current landscape, we surveyed 10,000 consumers across five countries – Germany, the Netherlands, France, the UK, and Belgium – to investigate buy now, pay later's popularity and usage. This article explores the data, showing what BNPL can offer your business and how important it is for European shoppers.

Imagine walking into a shop, immediately taking home your desired items, and then paying for them over the next few months – totally interest-free. Just a few years ago, it would have felt like magic. Now, it's exactly what buy now, pay later (BNPL) payments provide. Is it any wonder they're reshaping how millions of people shop?

Over the last decade, BNPL's growth has been staggering. The statistics back this up: the global BNPL market share has skyrocketed from 0.4% to 5%. And global BNPL transactions are predicted to increase by more than 400 billion Euros between 2021 and 2026.

Dig a bit deeper, and interesting patterns emerge: BNPL's rapid growth is stabilising as it becomes a more mainstream payment option. The market is maturing, consumers are more familiar with BNPL services, and while usage remains strong, it has shifted from an exciting novelty to a regular part of the online shopping experience. 

So, how are consumers using it, and how has their behaviour evolved in the past year? Understanding these shifts is crucial for businesses operating in the European market.

To understand the current landscape, we surveyed 10,000 consumers across five countries – Germany, the Netherlands, France, the UK, and Belgium – to investigate buy now, pay later's popularity and usage. This article explores the data, showing what BNPL can offer your business and how important it is for European shoppers.

Imagine walking into a shop, immediately taking home your desired items, and then paying for them over the next few months – totally interest-free. Just a few years ago, it would have felt like magic. Now, it's exactly what buy now, pay later (BNPL) payments provide. Is it any wonder they're reshaping how millions of people shop?

Over the last decade, BNPL's growth has been staggering. The statistics back this up: the global BNPL market share has skyrocketed from 0.4% to 5%. And global BNPL transactions are predicted to increase by more than 400 billion Euros between 2021 and 2026.

Dig a bit deeper, and interesting patterns emerge: BNPL's rapid growth is stabilising as it becomes a more mainstream payment option. The market is maturing, consumers are more familiar with BNPL services, and while usage remains strong, it has shifted from an exciting novelty to a regular part of the online shopping experience. 

So, how are consumers using it, and how has their behaviour evolved in the past year? Understanding these shifts is crucial for businesses operating in the European market.

To understand the current landscape, we surveyed 10,000 consumers across five countries – Germany, the Netherlands, France, the UK, and Belgium – to investigate buy now, pay later's popularity and usage. This article explores the data, showing what BNPL can offer your business and how important it is for European shoppers.

Imagine walking into a shop, immediately taking home your desired items, and then paying for them over the next few months – totally interest-free. Just a few years ago, it would have felt like magic. Now, it's exactly what buy now, pay later (BNPL) payments provide. Is it any wonder they're reshaping how millions of people shop?

Over the last decade, BNPL's growth has been staggering. The statistics back this up: the global BNPL market share has skyrocketed from 0.4% to 5%. And global BNPL transactions are predicted to increase by more than 400 billion Euros between 2021 and 2026.

Dig a bit deeper, and interesting patterns emerge: BNPL's rapid growth is stabilising as it becomes a more mainstream payment option. The market is maturing, consumers are more familiar with BNPL services, and while usage remains strong, it has shifted from an exciting novelty to a regular part of the online shopping experience. 

So, how are consumers using it, and how has their behaviour evolved in the past year? Understanding these shifts is crucial for businesses operating in the European market.

To understand the current landscape, we surveyed 10,000 consumers across five countries – Germany, the Netherlands, France, the UK, and Belgium – to investigate buy now, pay later's popularity and usage. This article explores the data, showing what BNPL can offer your business and how important it is for European shoppers.

Buy now pay later usage

First, we asked 10,000 European consumers about their current usage of BNPL methods.

More than a quarter (28%) of consumers say they use BNPL methods regularly or occasionally. While this is a slight decrease from 32% in data taken from 2023, it shows the continued appeal of BNPL options.

There’s also a select group of shoppers – particularly in France, the Netherlands, and Belgium – that prefer to use BNPL providers that they already have an account with.

What does that mean for your business? Consider offering popular local BNPL providers that shoppers already trust. Consumers are more likely to complete purchases when they see familiar payment options, so make it easy for them to select their preferred BNPL provider.

Also, streamline the checkout experience by allowing returning customers to automatically connect their existing BNPL accounts. Also think about promoting these BNPL options throughout the buyer journey to boost sales.

First, we asked 10,000 European consumers about their current usage of BNPL methods.

More than a quarter (28%) of consumers say they use BNPL methods regularly or occasionally. While this is a slight decrease from 32% in data taken from 2023, it shows the continued appeal of BNPL options.

There’s also a select group of shoppers – particularly in France, the Netherlands, and Belgium – that prefer to use BNPL providers that they already have an account with.

What does that mean for your business? Consider offering popular local BNPL providers that shoppers already trust. Consumers are more likely to complete purchases when they see familiar payment options, so make it easy for them to select their preferred BNPL provider.

Also, streamline the checkout experience by allowing returning customers to automatically connect their existing BNPL accounts. Also think about promoting these BNPL options throughout the buyer journey to boost sales.

First, we asked 10,000 European consumers about their current usage of BNPL methods.

More than a quarter (28%) of consumers say they use BNPL methods regularly or occasionally. While this is a slight decrease from 32% in data taken from 2023, it shows the continued appeal of BNPL options.

There’s also a select group of shoppers – particularly in France, the Netherlands, and Belgium – that prefer to use BNPL providers that they already have an account with.

What does that mean for your business? Consider offering popular local BNPL providers that shoppers already trust. Consumers are more likely to complete purchases when they see familiar payment options, so make it easy for them to select their preferred BNPL provider.

Also, streamline the checkout experience by allowing returning customers to automatically connect their existing BNPL accounts. Also think about promoting these BNPL options throughout the buyer journey to boost sales.

First, we asked 10,000 European consumers about their current usage of BNPL methods.

More than a quarter (28%) of consumers say they use BNPL methods regularly or occasionally. While this is a slight decrease from 32% in data taken from 2023, it shows the continued appeal of BNPL options.

There’s also a select group of shoppers – particularly in France, the Netherlands, and Belgium – that prefer to use BNPL providers that they already have an account with.

What does that mean for your business? Consider offering popular local BNPL providers that shoppers already trust. Consumers are more likely to complete purchases when they see familiar payment options, so make it easy for them to select their preferred BNPL provider.

Also, streamline the checkout experience by allowing returning customers to automatically connect their existing BNPL accounts. Also think about promoting these BNPL options throughout the buyer journey to boost sales.

How has BNPL usage changed?

We also delved into how consumers' BNPL habits have evolved over the past year. 

47% of consumers report increasing their use of BNPL methods for online purchases. This shows that nearly half of all consumers turn to these flexible payment options more frequently. BNPL usage is stabilising, with 41% of consumers using it consistently – compared to 37% in 2023. This trend highlights BNPL's growing role as a regular, reliable part of the way many consumers shop. 

The BNPL stats indicate a maturing market in which consumers are more discerning about how and when they use these services. Here’s payment provider Riverty’s Product Lead, Alex Scheibel, on these changes.

“Better app experiences and AI-powered personalisation are shifting consumer expectations. Consumers increasingly favour cohesive, branded experiences across all channels. For retailers, this means embedding BNPL solutions in your brand experience to drive trust. 

“The focus on consumer protection has also intensified – both from regulators and core BNPL value propositions. This means consumers are looking for flexible payment options that provide safety and transparency. Meeting all these expectations builds trust and consequently increases conversion.”

How popular is buy now, pay later?

Despite a slight decrease in growth, BNPL's popularity remains strong. While it may not be expanding at the breakneck speed of previous years, BNPL is firmly established as a preferred payment method for many consumers. 

The data indicates that BNPL has transitioned from its initial hype to a more mature and stable market presence. Consumers are now using these services with greater intention, often choosing to stick with providers they trust.

We also delved into how consumers' BNPL habits have evolved over the past year. 

47% of consumers report increasing their use of BNPL methods for online purchases. This shows that nearly half of all consumers turn to these flexible payment options more frequently. BNPL usage is stabilising, with 41% of consumers using it consistently – compared to 37% in 2023. This trend highlights BNPL's growing role as a regular, reliable part of the way many consumers shop. 

The BNPL stats indicate a maturing market in which consumers are more discerning about how and when they use these services. Here’s payment provider Riverty’s Product Lead, Alex Scheibel, on these changes.

“Better app experiences and AI-powered personalisation are shifting consumer expectations. Consumers increasingly favour cohesive, branded experiences across all channels. For retailers, this means embedding BNPL solutions in your brand experience to drive trust. 

“The focus on consumer protection has also intensified – both from regulators and core BNPL value propositions. This means consumers are looking for flexible payment options that provide safety and transparency. Meeting all these expectations builds trust and consequently increases conversion.”

How popular is buy now, pay later?

Despite a slight decrease in growth, BNPL's popularity remains strong. While it may not be expanding at the breakneck speed of previous years, BNPL is firmly established as a preferred payment method for many consumers. 

The data indicates that BNPL has transitioned from its initial hype to a more mature and stable market presence. Consumers are now using these services with greater intention, often choosing to stick with providers they trust.

We also delved into how consumers' BNPL habits have evolved over the past year. 

47% of consumers report increasing their use of BNPL methods for online purchases. This shows that nearly half of all consumers turn to these flexible payment options more frequently. BNPL usage is stabilising, with 41% of consumers using it consistently – compared to 37% in 2023. This trend highlights BNPL's growing role as a regular, reliable part of the way many consumers shop. 

The BNPL stats indicate a maturing market in which consumers are more discerning about how and when they use these services. Here’s payment provider Riverty’s Product Lead, Alex Scheibel, on these changes.

“Better app experiences and AI-powered personalisation are shifting consumer expectations. Consumers increasingly favour cohesive, branded experiences across all channels. For retailers, this means embedding BNPL solutions in your brand experience to drive trust. 

“The focus on consumer protection has also intensified – both from regulators and core BNPL value propositions. This means consumers are looking for flexible payment options that provide safety and transparency. Meeting all these expectations builds trust and consequently increases conversion.”

How popular is buy now, pay later?

Despite a slight decrease in growth, BNPL's popularity remains strong. While it may not be expanding at the breakneck speed of previous years, BNPL is firmly established as a preferred payment method for many consumers. 

The data indicates that BNPL has transitioned from its initial hype to a more mature and stable market presence. Consumers are now using these services with greater intention, often choosing to stick with providers they trust.

We also delved into how consumers' BNPL habits have evolved over the past year. 

47% of consumers report increasing their use of BNPL methods for online purchases. This shows that nearly half of all consumers turn to these flexible payment options more frequently. BNPL usage is stabilising, with 41% of consumers using it consistently – compared to 37% in 2023. This trend highlights BNPL's growing role as a regular, reliable part of the way many consumers shop. 

The BNPL stats indicate a maturing market in which consumers are more discerning about how and when they use these services. Here’s payment provider Riverty’s Product Lead, Alex Scheibel, on these changes.

“Better app experiences and AI-powered personalisation are shifting consumer expectations. Consumers increasingly favour cohesive, branded experiences across all channels. For retailers, this means embedding BNPL solutions in your brand experience to drive trust. 

“The focus on consumer protection has also intensified – both from regulators and core BNPL value propositions. This means consumers are looking for flexible payment options that provide safety and transparency. Meeting all these expectations builds trust and consequently increases conversion.”

How popular is buy now, pay later?

Despite a slight decrease in growth, BNPL's popularity remains strong. While it may not be expanding at the breakneck speed of previous years, BNPL is firmly established as a preferred payment method for many consumers. 

The data indicates that BNPL has transitioned from its initial hype to a more mature and stable market presence. Consumers are now using these services with greater intention, often choosing to stick with providers they trust.

Buy now, pay later trends

Several key trends are now shaping the BNPL landscape:

  1. B2B expansion: BNPL is moving beyond consumer purchases. More providers are launching services specifically designed for business-to-business transactions, opening up new opportunities in the B2B space.

  2. Integration with banking apps: Traditional banks and established payment methods, like iDEAL in the Netherlands, are partnering with or developing their own BNPL services, integrating these options directly into banking apps.

  3. Increased regulation: As BNPL becomes more mainstream, regulators are stepping up their scrutiny, leading to more standardised practices across the industry.

  4. Enhanced data and personalisation: BNPL providers are using data to offer more personalised experiences. That helps them to tailor BNPL offers and repayment plans to individual needs.

“In the coming years, BNPL is set to be shaped significantly by increased regulation, particularly through the European Consumer Credit Directive 2,” Alex explains. “This regulation means ecommerce businesses must adapt their BNPL offerings to meet more stringent requirements, such as affordability checks and transparency standards. 

“Another pivotal trend is combating fraud. Fraud prevention measures will be crucial for BNPL providers to differentiate themselves and offer secure payment options consumers can trust. By leveraging advanced fraud detection technologies, BNPL solutions can provide a more secure environment to increase both consumer and retailer confidence. Integrating instant payment capabilities into BNPL services should further enhance the shopping experience to reduce checkout friction and boost conversion rates. 

“Ecommerce businesses that prioritise both security and seamless transactions will be well-positioned to thrive in this evolving landscape."

Several key trends are now shaping the BNPL landscape:

  1. B2B expansion: BNPL is moving beyond consumer purchases. More providers are launching services specifically designed for business-to-business transactions, opening up new opportunities in the B2B space.

  2. Integration with banking apps: Traditional banks and established payment methods, like iDEAL in the Netherlands, are partnering with or developing their own BNPL services, integrating these options directly into banking apps.

  3. Increased regulation: As BNPL becomes more mainstream, regulators are stepping up their scrutiny, leading to more standardised practices across the industry.

  4. Enhanced data and personalisation: BNPL providers are using data to offer more personalised experiences. That helps them to tailor BNPL offers and repayment plans to individual needs.

“In the coming years, BNPL is set to be shaped significantly by increased regulation, particularly through the European Consumer Credit Directive 2,” Alex explains. “This regulation means ecommerce businesses must adapt their BNPL offerings to meet more stringent requirements, such as affordability checks and transparency standards. 

“Another pivotal trend is combating fraud. Fraud prevention measures will be crucial for BNPL providers to differentiate themselves and offer secure payment options consumers can trust. By leveraging advanced fraud detection technologies, BNPL solutions can provide a more secure environment to increase both consumer and retailer confidence. Integrating instant payment capabilities into BNPL services should further enhance the shopping experience to reduce checkout friction and boost conversion rates. 

“Ecommerce businesses that prioritise both security and seamless transactions will be well-positioned to thrive in this evolving landscape."

Several key trends are now shaping the BNPL landscape:

  1. B2B expansion: BNPL is moving beyond consumer purchases. More providers are launching services specifically designed for business-to-business transactions, opening up new opportunities in the B2B space.

  2. Integration with banking apps: Traditional banks and established payment methods, like iDEAL in the Netherlands, are partnering with or developing their own BNPL services, integrating these options directly into banking apps.

  3. Increased regulation: As BNPL becomes more mainstream, regulators are stepping up their scrutiny, leading to more standardised practices across the industry.

  4. Enhanced data and personalisation: BNPL providers are using data to offer more personalised experiences. That helps them to tailor BNPL offers and repayment plans to individual needs.

“In the coming years, BNPL is set to be shaped significantly by increased regulation, particularly through the European Consumer Credit Directive 2,” Alex explains. “This regulation means ecommerce businesses must adapt their BNPL offerings to meet more stringent requirements, such as affordability checks and transparency standards. 

“Another pivotal trend is combating fraud. Fraud prevention measures will be crucial for BNPL providers to differentiate themselves and offer secure payment options consumers can trust. By leveraging advanced fraud detection technologies, BNPL solutions can provide a more secure environment to increase both consumer and retailer confidence. Integrating instant payment capabilities into BNPL services should further enhance the shopping experience to reduce checkout friction and boost conversion rates. 

“Ecommerce businesses that prioritise both security and seamless transactions will be well-positioned to thrive in this evolving landscape."

Several key trends are now shaping the BNPL landscape:

  1. B2B expansion: BNPL is moving beyond consumer purchases. More providers are launching services specifically designed for business-to-business transactions, opening up new opportunities in the B2B space.

  2. Integration with banking apps: Traditional banks and established payment methods, like iDEAL in the Netherlands, are partnering with or developing their own BNPL services, integrating these options directly into banking apps.

  3. Increased regulation: As BNPL becomes more mainstream, regulators are stepping up their scrutiny, leading to more standardised practices across the industry.

  4. Enhanced data and personalisation: BNPL providers are using data to offer more personalised experiences. That helps them to tailor BNPL offers and repayment plans to individual needs.

“In the coming years, BNPL is set to be shaped significantly by increased regulation, particularly through the European Consumer Credit Directive 2,” Alex explains. “This regulation means ecommerce businesses must adapt their BNPL offerings to meet more stringent requirements, such as affordability checks and transparency standards. 

“Another pivotal trend is combating fraud. Fraud prevention measures will be crucial for BNPL providers to differentiate themselves and offer secure payment options consumers can trust. By leveraging advanced fraud detection technologies, BNPL solutions can provide a more secure environment to increase both consumer and retailer confidence. Integrating instant payment capabilities into BNPL services should further enhance the shopping experience to reduce checkout friction and boost conversion rates. 

“Ecommerce businesses that prioritise both security and seamless transactions will be well-positioned to thrive in this evolving landscape."

The future of buy now, pay later payments

Now we’ve explored the latest BNPL trends. But how will BNPL payments evolve over the next few years? 

“The future of BNPL is likely to see consolidation, with a few dominant players emerging,” explains Alex. “This will be similar to what happened in the credit card industry. 

“For ecommerce businesses, partnering with trusted, well-established BNPL providers will be vital to build consumer confidence and encourage adoption. As BNPL becomes more accepted, adoption across both online and in-store environments will be crucial. Technological advancements, such as point-of-sale integration and improved mobile payment options, will also allow BNPL to be widely available in physical retail spaces. 

“Retailers that prioritise these advancements can offer consumers flexible payment choices wherever they shop, contributing to improved loyalty and higher conversion rates, regardless of the channel.”

Now we’ve explored the latest BNPL trends. But how will BNPL payments evolve over the next few years? 

“The future of BNPL is likely to see consolidation, with a few dominant players emerging,” explains Alex. “This will be similar to what happened in the credit card industry. 

“For ecommerce businesses, partnering with trusted, well-established BNPL providers will be vital to build consumer confidence and encourage adoption. As BNPL becomes more accepted, adoption across both online and in-store environments will be crucial. Technological advancements, such as point-of-sale integration and improved mobile payment options, will also allow BNPL to be widely available in physical retail spaces. 

“Retailers that prioritise these advancements can offer consumers flexible payment choices wherever they shop, contributing to improved loyalty and higher conversion rates, regardless of the channel.”

Now we’ve explored the latest BNPL trends. But how will BNPL payments evolve over the next few years? 

“The future of BNPL is likely to see consolidation, with a few dominant players emerging,” explains Alex. “This will be similar to what happened in the credit card industry. 

“For ecommerce businesses, partnering with trusted, well-established BNPL providers will be vital to build consumer confidence and encourage adoption. As BNPL becomes more accepted, adoption across both online and in-store environments will be crucial. Technological advancements, such as point-of-sale integration and improved mobile payment options, will also allow BNPL to be widely available in physical retail spaces. 

“Retailers that prioritise these advancements can offer consumers flexible payment choices wherever they shop, contributing to improved loyalty and higher conversion rates, regardless of the channel.”

Now we’ve explored the latest BNPL trends. But how will BNPL payments evolve over the next few years? 

“The future of BNPL is likely to see consolidation, with a few dominant players emerging,” explains Alex. “This will be similar to what happened in the credit card industry. 

“For ecommerce businesses, partnering with trusted, well-established BNPL providers will be vital to build consumer confidence and encourage adoption. As BNPL becomes more accepted, adoption across both online and in-store environments will be crucial. Technological advancements, such as point-of-sale integration and improved mobile payment options, will also allow BNPL to be widely available in physical retail spaces. 

“Retailers that prioritise these advancements can offer consumers flexible payment choices wherever they shop, contributing to improved loyalty and higher conversion rates, regardless of the channel.”

Offer buy now, pay later with Mollie

At Mollie, we understand the nuances of the BNPL landscape and we offer both major global methods and local favourites, ensuring your customers always find a payment option that suits them.

As well as 35+ payment methods, we also provide a range of products and features that simplify online payments and streamline money management:

  • A conversion-optimised checkout: Win every sale by offering your customers a personalised, frictionless checkout experience.

  • Easy setup: Quickly accept payments with our ready-made plugins and best-in-class API.

  • The Mollie Dashboard and app: Manage transactions, process refunds, get insights, and accept payments – anytime, anywhere.

  • A reliable solution: Enjoy 99.95% uptime and keep payments processing through multiple acquiring banks. 

  • Fraud prevention: Protect your business and boost your revenue with customisable fraud tooling.

  • Local support in your language: Get help from our multilingual customer support teams whenever you need it.

Find out more about payments with Mollie.

At Mollie, we understand the nuances of the BNPL landscape and we offer both major global methods and local favourites, ensuring your customers always find a payment option that suits them.

As well as 35+ payment methods, we also provide a range of products and features that simplify online payments and streamline money management:

  • A conversion-optimised checkout: Win every sale by offering your customers a personalised, frictionless checkout experience.

  • Easy setup: Quickly accept payments with our ready-made plugins and best-in-class API.

  • The Mollie Dashboard and app: Manage transactions, process refunds, get insights, and accept payments – anytime, anywhere.

  • A reliable solution: Enjoy 99.95% uptime and keep payments processing through multiple acquiring banks. 

  • Fraud prevention: Protect your business and boost your revenue with customisable fraud tooling.

  • Local support in your language: Get help from our multilingual customer support teams whenever you need it.

Find out more about payments with Mollie.

At Mollie, we understand the nuances of the BNPL landscape and we offer both major global methods and local favourites, ensuring your customers always find a payment option that suits them.

As well as 35+ payment methods, we also provide a range of products and features that simplify online payments and streamline money management:

  • A conversion-optimised checkout: Win every sale by offering your customers a personalised, frictionless checkout experience.

  • Easy setup: Quickly accept payments with our ready-made plugins and best-in-class API.

  • The Mollie Dashboard and app: Manage transactions, process refunds, get insights, and accept payments – anytime, anywhere.

  • A reliable solution: Enjoy 99.95% uptime and keep payments processing through multiple acquiring banks. 

  • Fraud prevention: Protect your business and boost your revenue with customisable fraud tooling.

  • Local support in your language: Get help from our multilingual customer support teams whenever you need it.

Find out more about payments with Mollie.

At Mollie, we understand the nuances of the BNPL landscape and we offer both major global methods and local favourites, ensuring your customers always find a payment option that suits them.

As well as 35+ payment methods, we also provide a range of products and features that simplify online payments and streamline money management:

  • A conversion-optimised checkout: Win every sale by offering your customers a personalised, frictionless checkout experience.

  • Easy setup: Quickly accept payments with our ready-made plugins and best-in-class API.

  • The Mollie Dashboard and app: Manage transactions, process refunds, get insights, and accept payments – anytime, anywhere.

  • A reliable solution: Enjoy 99.95% uptime and keep payments processing through multiple acquiring banks. 

  • Fraud prevention: Protect your business and boost your revenue with customisable fraud tooling.

  • Local support in your language: Get help from our multilingual customer support teams whenever you need it.

Find out more about payments with Mollie.

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Table of contents

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MollieGrowthBuy now, pay later trends and usage
MollieGrowthBuy now, pay later trends and usage
MollieGrowthBuy now, pay later trends and usage