Senza categoria

The 2024 BNPL Trends: Implications for the Future of B2B Finance

Pubblicato il da Cecilia
27
Dic

The Buy Now, Pay Later (BNPL) B2B landscape in 2024 has undergone significant evolution, redefining how businesses manage payments and liquidity through embedded finance. This year has highlighted an accelerating trend: BNPL is becoming a strategic tool for small and medium-sized businesses (SMBs), addressing cash flow challenges while improving operational efficiency. With a clear focus on flexibility, partnerships, and seamless integrations, businesses can now benefit from deferred payment options, extended terms, and streamlined transaction processes, enhancing their ability to grow without excessive financial constraints.

The 15 Key Developments in B2B BNPL in 2024

The infographic “Top 15 B2B BNPL Moves Powering Business Payment Flexibility” by Whitesight analyzed the pivotal events that reshaped the B2B BNPL sector throughout the year.

1. Major Funding Rounds

  • Mondu ($33M – January): Expansion into European markets and development of advanced solutions to strengthen presence and enhance technical capabilities.
  • HOKOKO (€100M – April): Credit line to finance €1.5 billion in BNPL transactions over the next two years, focusing on transaction volumes.
  • M-D ($15M – October): Expansion into emerging markets, particularly China and India, addressing demand for innovative solutions.

2. Strategic Partnerships

  • Billie and BNP Paribas (May): A pan-European solution aimed at expanding BNP Paribas’ network.
  • Billie, Mondu, and Copose with Stripe (July-September): Plug-and-play integrations accelerating BNPL adoption for B2B merchants.
  • Slope and Marqeta (December): Launch of a BNPL credit card for both online and offline purchases, bridging two traditionally separate worlds.

3. Product Innovation

  • Alza (March): A BNPL method allowing payments up to 30 days, ideal for SMBs.
  • Rollingcollabs and Delicato (October): Installment payments with advanced cash flow management tools.
  • Slope and Marqeta (December): A BNPL credit card representing a significant evolution.

4. Geographic Expansion

  • Mondu and HOKOKO: Consolidation of leadership in the European market through strategic partnerships and funding.
  • M-D: Focus on emerging markets, offering high growth potential but local operational challenges.

5. Unique Business Models

  • Fawry MSME: A volume-driven strategy in emerging markets, with 750,000 transactions completed to date.

Comparisons and Implications

Funding

Mondu and HOKOKO lead with aggressive strategies and significant funding rounds, while M-D explores less saturated territories like China and India.

Partnerships and Collaborations

Stripe emerges as a key player, facilitating BNPL adoption through numerous collaborations. Partnerships with traditional banks, like BNP Paribas and Billie, underscore the importance of integrating fintech and established institutions.

Innovation and Sustainability

Innovations such as the BNPL credit card by Slope and Marqeta demonstrate how the sector is pushing beyond traditional boundaries.

Conclusion

2024 is shaping up to be a transformative year for B2B BNPL:

  1. Mondu and HOKOKO dominate in terms of growth ambitions and funding rounds.
  2. Strategic partnerships, particularly with Stripe, enable scalability and market penetration.
  3. Emerging markets, represented by M-D, present significant opportunities but require adaptive approaches.

The Whitesight infographic highlights how the B2B BNPL ecosystem is rapidly evolving, poised to redefine how businesses manage payments and cash flow.

🌐 Read the full article

👉 Want to start 2025 with PausePay?
Discover all our solutions for your business:

www.pausepay.it | info@pausepay.it