Viewpoints

Blog
Post-purchase off-card BNPL: How it works and why it appeals to banks
The BNPL market has seen explosive growth, with global usage increasing six-fold between 2019 and 2023. As industry players rush to stake their claim in this thriving market, it has become clear that BNPL is far from a one-size-fits-all solution. Various models have emerged, each with its unique characteristics and appeal. One of the most prominent among these is the post-purchase off-card BNPL model. But what exactly is this model? How does it work, and who does what businesses is it suitable for?
Article
How to stand out in the BNPL market: A guide for FIs and PSPs
The world of BNPL is not one-size-fits-all; it's a rich tapestry of options, each with its own unique set of features and benefits, and FIs and PSPs must carefully consider which model, or combination of models, is right for them to help grow their business.
Blog
Beyond credit cards: The growing appeal of BNPL in South Africa
With the local BNPL market estimated to have reached US$900 million at the end of 2023 and projected to soar to US$1.6 billion by 2028, it's clear that BNPL is more than just a passing trend — it's a fundamental shift in consumer behaviour.
Blog
Will Pix replace cards in Brazil?
Since its inception, Pix has skyrocketed in popularity, challenging the dominance of cash and card markets. The numbers are staggering, with Pix's usage surging by 74% in 2023 alone, facilitating close to 42 billion payments across Brazil and surpassing the number of debit and credit card payments by 23% according to the country’s central bank. This growth has spurred intense speculation among banking and payment experts, raising the question: could Pix replace cards in Brazil?
Blog
Digital transformation and AI walk into a bar…
Many FIs are dipping an exploratory toe into the AI waters to see what else can be done to increase operational efficiencies and lighten the load. From compliance to code generation, recruitment to orchestration; nothing is off the table. According to a recent report, disruptive AI technologies can dramatically improve an FI’s ability to achieve four key outcomes: higher profits, at-scale personalisation, distinctive omnichannel experiences, and rapid innovation cycles. What’s not to like?
Blog
Empowering women at work: Our commitment to inclusivity
We spoke to some of our amazing colleagues to discuss how Compass Plus Technologies goes about tackling some of the action areas for this year’s 'Inspire Inclusion' initiative and to find out more about their unique experiences within the company.
Blog
How banks can leverage their existing credit portfolios to unlock the power of BNPL
Amidst the multitude of fintech providers targeting merchants, traditional banks stand uniquely positioned to serve consumers. Boasting substantial customer bases and long-standing relationships built on trust, banks are well-equipped to step into the BNPL arena.
Webinar
The Fintech Power 50 Webinar | Paytech
Payments are an everyday facet of people's lives, whether you are a regular consumer, a business or beyond. And the industry is constantly working to innovate and create new and better ways to pay. In this webinar, we take a look at the disruption of the traditional payments ecosystem and the opportunities fintechs have taken to revolutionise the way people pay.
Blog
Beyond buzzwords: The underrated role of ATMs in modernisation
Amidst the noise for mobile apps, generative AI, and online account opening, there's a vital but often overlooked player in the digital transformation journey – the Automated Teller Machine.
Blog
Can we please stop talking about digital transformation?
Let’s face it, in the payments industry, digital transformation is all we know. It’s everything we’ve been doing in some form or another for the last however many decades.