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The article is devoted to the study of the rapidly growing interest-free installment service (BNPL) in the context of digital transformation of payment sector. The key features of BNPL in comparison with other similar methods of payment for the use of borrowed funds, in particular, the methods of installment cards and credit cards have been determined. An analysis of the current state of BNPL services in Russia and globally has been conducted. The advantages of their use for clients, providers and retail sellers have been identified. However, in addition to the positive effects of the introduction of the new payment model, the risks associated with the potential increase in the long-term burden on users of BNPL services have been highlighted. These circumstances make the issues of regulation of BNPL providers particularly urgent. The study considers approaches to regulation of the BNPL market in Russia and abroad.

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Trends in the Development of BNPL Services as a Modern Digital Solution in Russian and Foreign Payment Industry

  • 章节

  • 发表日期：

    2025年

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  • Evgenia Karlovskaya,
  • Oksana Vaganova,
  • Daria Gordya,
  • Oksana Balabneva,
  • Lyazat Talimova

摘要

The article is devoted to the study of the rapidly growing interest-free installment service (BNPL) in the context of digital transformation of payment sector. The key features of BNPL in comparison with other similar methods of payment for the use of borrowed funds, in particular, the methods of installment cards and credit cards have been determined. An analysis of the current state of BNPL services in Russia and globally has been conducted. The advantages of their use for clients, providers and retail sellers have been identified. However, in addition to the positive effects of the introduction of the new payment model, the risks associated with the potential increase in the long-term burden on users of BNPL services have been highlighted. These circumstances make the issues of regulation of BNPL providers particularly urgent. The study considers approaches to regulation of the BNPL market in Russia and abroad.