{"id":22260,"date":"2023-04-06T14:59:02","date_gmt":"2023-04-06T14:59:02","guid":{"rendered":"https:\/\/nexi-magazine.desgsr.com\/save-now-pay-later-snpl-new-model-in-fintech\/"},"modified":"2023-08-06T17:55:54","modified_gmt":"2023-08-06T17:55:54","slug":"save-now-pay-later-snpl-new-model-in-fintech","status":"publish","type":"post","link":"https:\/\/ecom.nets.eu\/magazine\/save-now-pay-later-snpl-new-model-in-fintech\/","title":{"rendered":"Save Now, Pay Later (SNPL) \u2013 New Model in Fintech?"},"content":{"rendered":"\n    <div class=\"nav-notification\">\n\n                    <div class=\"nav-notification__wrapper\">\n                <p>Join our community for exclusive content. 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In the fast-paced digital landscape of online commerce, forging strategic alliances can provide a multitude of benefits that extend beyond what a company can achieve on its own. \n<\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                                    <li>\n                                \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba03\"><span class=\"js-line\">N\u00ba03<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/an-open-banking-partnership-thats-changing-the-ecosystem\/\" class=\"media-wrapper js-link\" aria-label=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#ff6065\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/07\/working-3rd-issue-nexi-magazine.jpg\" alt=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >July 2024<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/feature-theme\/?issue=26612\" data-cursor=\"skew\" aria-label=\"Feature Theme\">Feature Theme<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/an-open-banking-partnership-thats-changing-the-ecosystem\/\"\n         aria-label=\"An Open Banking Partnership that&#8217;s Changing the Ecosystem\"\n         data-cursor=\"skew\"\n         data-anim=\"splitText\" data-anim-delay=\".3\"                   class=\"js-link\">An Open Banking Partnership that&#8217;s Changing the Ecosystem<\/a>\n    <\/h5>\n    <p data-anim=\"splitText\" data-anim-delay=\".45\"  class=\"excerpt light-font\">To provide an even smoother checkout experience, Mastercard and Nexi are building an integrated digital ecosystem across Europe that is centered around open banking solutions. But what are the benefits of open banking for merchants and consumers? <\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                                    <li>\n                                \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba03\"><span class=\"js-line\">N\u00ba03<\/span><\/a>\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/the-vital-role-of-the-ecosystem\/\" class=\"media-wrapper js-link\" aria-label=\"The Vital Role of the Ecosystem\" data-cursor=\"articleimg\"\n       data-cursor-color=\"#ff6065\" data-cursor-text=\"View Article\">\n      <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2024\/07\/synergy-3rd-issue-nexi-magazine.jpg\" alt=\"The Vital Role of the Ecosystem\">\n    <\/a>\n  <\/div>\n\n  <p class=\"date light-font small\"><span data-anim=\"opacity,x+\" data-anim-delay=\".15\" >July 2024<\/span><\/p>\n\n  <div class=\"article-box__content\">\n    <a class=\"category category-style js-link mb-2\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  href=\"https:\/\/ecom.nets.eu\/magazine\/category\/feature-theme\/?issue=26612\" data-cursor=\"skew\" aria-label=\"Feature Theme\">Feature Theme<\/a>\n    <h5 class=\"title\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/the-vital-role-of-the-ecosystem\/\"\n         aria-label=\"The Vital Role of the Ecosystem\"\n         data-cursor=\"skew\"\n         data-anim=\"splitText\" data-anim-delay=\".3\"                   class=\"js-link\">The Vital Role of the Ecosystem<\/a>\n    <\/h5>\n    <p data-anim=\"splitText\" data-anim-delay=\".45\"  class=\"excerpt light-font\">The partnership between Nexi and Shopware exemplifies this synergy, combining Nexi&#8217;s advanced payment solutions with Shopware&#8217;s robust e-commerce platform.<\/p>\n  <\/div>\n<\/article>\n                            <\/li>\n                                            <\/ul>\n                    \n    <a class=\"btn see-all-btn btn--circle js-link \"\n                aria-label=\"See all\"        data-cursor=\"magnetic\"       href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span class=\"btn__text\">\n            <span>See all<\/span>\n      <\/span>\n    <\/a>\n                    \n    <a class=\"btn see-all-btn see-all-btn--mob js-link btn--icon\"\n                aria-label=\"Archive issues\"        data-cursor=\"skew\"       href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/all-about-partnerships\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span 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animate\"><\/span>\n\n\n\n<section class=\"article-cover\"\n         data-theme=\"#ebebeb\"\n         data-nav-color=\"#ffffff\"\n         data-cursor=\"change-color\"\n         data-cursor-color=\"#ffffff\">\n\n  <div class=\"article-cover__issue\">\n    <h4 class=\"mb-2 lh-1\"><a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/issue-01\/\" data-cursor=\"skew\"\n                             aria-label=\"N\u00ba01\">N\u00ba01<\/a><\/h4>\n    <span class=\"headline-font tiny ls-3 text-uppercase\">September 2023<\/span>\n  <\/div>\n\n    <div class=\"article-cover__image media-wrapper\" data-parallax='{\"el\": \"img\", \"wrapped\": \"true\", \"scale\": \"1.1\", \"ratioY\": \"-1\", \"origin\": \"top\"}'>\n    <img decoding=\"async\" src=\"\" data-lazy=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2023\/04\/save-now-pay-later-min.png\" alt=\"\">\n  <\/div>\n  \n  \n  \n  <div class=\"article-cover__title\">\n    <div class=\"container\">\n      <div class=\"category\" data-anim=\"rotate,y\" data-anim-delay=\".15\">\n        <a href=\"https:\/\/ecom.nets.eu\/magazine\/category\/industry-news\/?issue=22276\" data-cursor=\"skew\" aria-label=\"Industry News\"\n         class=\"category-style\">Industry News<\/a>\n      <\/div>\n      <h1 class=\"title\" data-anim=\"splitText\" data-anim-delay=\".3\">Save Now, Pay Later (SNPL) \u2013 New Model in Fintech?<\/h1>\n          <\/div>\n  <\/div>\n\n<\/section>\n\n\n\n<section class=\"article-intro\" data-theme=\"#ebebeb\">\n  <div class=\"container container--wide\">\n\n    <div class=\"text-content headline-font\" data-anim=\"opacity,y\" data-anim-delay=\".15\">\n      \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>A new fintech model has found a way to promote more responsible spending by setting up users with an easy saving model targeted at a specific purchase.<\/p>\n<\/div>\n<\/div>\n\n\n    <\/div>\n\n    <div class=\"author-wrapper\">\n        <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">What is SNPL?<\/h2>\n\n\n\n<p><strong>Save now, pay later is an emerging business model and payment method<\/strong> that offers consumers the possibility of setting aside a predefined sum of money on a regular basis in order to make a big-ticket purchase at a later point. The user chooses their target amount and date, and can get various benefits and incentives once they build up the savings and reach their target.&nbsp;<\/p>\n\n\n\n<p>How does <em>save now, pay later<\/em> work? <strong>Different SNPL providers practice different models, from simply holding money with a payment gateway to depositing money in escrow accounts with partner banks or allowing investment through mutual funds.<\/strong> When a consumer reaches the savings goal, they get their money, often with additional incentives and discounts from the provider and\/or the retailer. SNPL providers earn a commission from brand partners once the customer makes the purchase. Some of the fintech startups offering SNPL include Accrue, Hubble, Multipl, OmniCard, Sparapay, Split, Tortoise, and others.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Save now, pay later (SNPL) offers consumers the possibility of setting aside a predefined sum of money on a regular basis in order to make a big-ticket purchase at a later point. <\/p><\/blockquote>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     text-section--separator\"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">SNPL vs Buy Now Pay Later (BNPL): What&#8217;s the Difference?<\/h2>\n\n\n\n<p>Both of these models offer many advantages for both the customers and the merchants, mainly when it comes to making bigger purchases. <strong>The main difference between <\/strong><strong><em>save now, pay later <\/em><\/strong><strong>and <\/strong><strong><em>buy now, pay later <\/em><\/strong><strong>is that SNPL is based on saving and BNPL is based on credit. <\/strong>By only focusing on saving, SNPL avoids the risk of credit losses that BNPL providers can face.<\/p>\n\n\n\n<p>Even though BNPL has made access to credit much easier for consumers, some of them may still not be eligible for loans. SNPL, on the other hand, puts forward no such obstacles. With a much larger pool of eligible users, SNPL providers have a much larger potential market. <strong>And seeing as SNPL targets a very similar customer profile to that of BNPL users, SNPL providers are in the position to take advantage of the rising BNPL trend.<\/strong><\/p>\n\n\n\n<p>Research <a href=\"https:\/\/www.entrepreneur.com\/en-in\/news-and-trends\/save-now-pay-later-a-new-business-model-in-fintech-that\/442716\">has shown<\/a> that 59% of customers used BNPL for non-essential purchases that they couldn\u2019t afford to pay upfront. There are growing concerns about BNPL\u2019s promotion of unsustainable shopping practices. <strong>Compared to BNPL, SNPL not only encourages but also rewards more responsible and more sustainable spending behavior.<\/strong> By incentivizing customers to save in advance of making a significant purchase, SNPL basically protects consumers from falling into a debt trap.<\/p>\n\n\n\n<p><strong>From a merchant\u2019s perspective, both BNPL and SNPL reduce the problem of shopping cart abandonment.<\/strong> Here, SNPL might offer a better long-term solution, as it helps maintain a good customer-merchant relationship without the bad taste that belated payments and fines can bring with BNPL.&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<hr class=\"wp-block-separator\"\/>\n\n\n\n\n<div class=\"media-block swiper-container js-swiper-media-block \">\n\n  <div class=\"swiper-wrapper\" >\n        <div class=\"swiper-slide\" data-cursor=\"change-color\" data-cursor-color=\"#ffffff\">\n\n            <div class=\"media-block__media \">\n                <img decoding=\"async\" src=\"\" class=\"swiper-lazy\" data-src=\"https:\/\/ecom.nets.eu\/magazine\/wp-content\/uploads\/sites\/2\/2023\/04\/picture-of-a-boat.png\" alt=\"\">\n      <\/div>\n      \n      \n          <\/div>\n      <\/div>\n\n  \n<\/div>\n\n\n\n\n<div class=\"related-links \">\n  <h6 class=\"category-style\">Related Links<\/h6>\n      <p>\n    \n    <a class=\"btn  btn--icon\"\n        target=\"_blank\"        aria-label=\"Save Now, Buy Later: A New Business Model In Fintech That Is Grabbing Eyeballs\"               href=\"https:\/\/www.entrepreneur.com\/en-in\/news-and-trends\/save-now-pay-later-a-new-business-model-in-fintech-that\/442716\">\n        <span class=\"btn__bg\"><\/span>\n        <span class=\"btn__text\">\n                <span class=\"btn__icon\"><svg class=\"icon icon-arrow\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 45 24\">\n    <path fill-rule=\"nonzero\" d=\"M32.3 0l9.95 9.41h.02L45 11.98 32.3 24l-2.74-2.59 7.75-7.32H0v-3.66h37.86l-8.3-7.85L32.3 0z\"><\/path>\n<\/svg><\/span>\n            <span>Save Now, Buy Later: A New Business Model In Fintech That Is Grabbing Eyeballs<\/span>\n      <\/span>\n    <\/a>\n    <\/p>\n      <p>\n    \n    <a class=\"btn  btn--icon\"\n        target=\"_blank\"        aria-label=\"\u2018Save Now, Buy Later\u2019 may become a new trend\"               href=\"https:\/\/www.linkedin.com\/pulse\/save-now-buy-later-may-become-new-trend-baldeo-kumar\/\">\n        <span class=\"btn__bg\"><\/span>\n        <span class=\"btn__text\">\n                <span class=\"btn__icon\"><svg class=\"icon icon-arrow\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 45 24\">\n    <path fill-rule=\"nonzero\" d=\"M32.3 0l9.95 9.41h.02L45 11.98 32.3 24l-2.74-2.59 7.75-7.32H0v-3.66h37.86l-8.3-7.85L32.3 0z\"><\/path>\n<\/svg><\/span>\n            <span>\u2018Save Now, Buy Later\u2019 may become a new trend<\/span>\n      <\/span>\n    <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<hr class=\"wp-block-separator\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<hr class=\"wp-block-separator\"\/>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide     \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">SNPL: Pros and Cons<\/h2>\n\n\n\n<p>The save now, pay later method offers many benefits for consumers, the main one being the <strong>possibility to purchase high-value items without having to take a loan and risk falling into debt.<\/strong> With SNPL, in case the customer doesn\u2019t reach their end goal, there are no additional costs or penalties \u2013 the purchase is simply not completed. <strong>SNPL promotes a sustainable approach to consumption, encouraging consumers to responsibly manage their finances and achieve long-term goals.<\/strong><\/p>\n\n\n\n<p>While many argue that SNPL biggest disadvantage is the lack of instant gratification of purchasing something you want immediately when you want it, others point out the appeal of <strong>SNPL\u2019s gamified approach to savings and the rewards from merchants.<\/strong> Another downside to SNPL could be that it is only suitable for aspirational purchases, while its use in regular-use items is yet to be estimated.&nbsp;<\/p>\n\n\n\n<p><strong>For retailers, SNPL is a safe method with assured sales that solves the issue of product affordability in a way that doesn\u2019t put the customer at risk. <\/strong>With SNPL, they can offer a stress-free shopping experience, building a strong foundation for customer retention. By reaching customers at an early stage of their shopping process, brands and retailers can build loyalty and secure customers in a highly competitive environment.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>While SNPL may not offer the instant gratification of purchasing something immediately when you want it, its<strong> gamified approach to savings and the rewards from merchants are very appealing.<\/strong><\/p><\/blockquote>\n\n\n\n<p><strong>Some of the challenges that SNPL brings before retailers include long waiting times for purchase completion and additional work on cultivating customer engagement. <\/strong>As SNPL is still relatively new, different aspects of its business model fall under different regulations, so the regulatory environment might seem more complicated. It is down to the SNPL providers to achieve a balance between the regulatory requirements while maintaining the essential aspect of accessibility of this payment option.<\/p>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n\n<section class=\"text-section text-content container container--wide    text-section--reverse \"\n  data-anim=\"opacity,y\" data-anim-delay=\".15\" style=\"padding-top:; padding-bottom:  \">\n  \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Who Should Consider Using SNPL?<\/h2>\n\n\n\n<p>The save now, pay later model is mostly used for aspirational purchases, lifestyle expenses, and predictable spendings, such as electronics, jewelry, travel, furniture, and home refurbishing. Since this payment method avoids loans, <strong>it is accessible and appropriate for a wide range of users<\/strong>, regardless of their age or income group.<\/p>\n\n\n\n<p><strong>By combining saving, spending, and investing, the SNPL model has the potential to become a game-changer in the fintech industry. <\/strong>With the business model still in its early stages of development, we have yet to see whether it will find its application and wider use outside of the field of luxury goods.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Accessible to a wide range of users, SNPL is <strong>mostly used for aspirational purchases, lifestyle expenses, and predictable spendings<\/strong>.<\/p><\/blockquote>\n<\/div>\n<\/div>\n\n\n<\/section>\n\n\n<section class=\"share-section container\" data-anim=\"opacity,y\" 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11.185.08zM1.538 30.926h19.287V92.98H1.538zM69.925 29.383c-9.382 0-15.673 5.144-18.248 10.022h-.258v-8.479H32.92v62.053h19.27V62.281c0-8.093 1.541-15.932 11.575-15.932 9.89 0 10.022 9.256 10.022 16.451v30.178H93.06V58.942c0-16.707-3.605-29.559-23.135-29.559z\"><\/path>\n<\/svg>\n    <\/a>\n<\/section>\n\n\n\n<section class=\"related-articles\">\n  <span class=\"noise\"><\/span>\n\n  <div class=\"container\">\n    <div class=\"related-articles__headline\" data-anim=\"rotate,y\" data-anim-delay=\".15\">\n      <h3>Related Articles<\/h3>\n    <\/div>\n    <ul class=\"related-articles__articles\">\n            <li>\n        \n<article class=\"article-box  \">\n  <div class=\"article-box__image\" data-anim=\"opacity,y\" data-anim-delay=\".15\" >\n    <a href=\"https:\/\/ecom.nets.eu\/magazine\/no\/issue\/issue-01\/\" class=\"issue-num headline-font small js-link\" data-anim=\"rotate,y\" data-anim-delay=\".15\"  data-cursor=\"skew\" aria-label=\"Issue N\u00ba01\"><span 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The industry experienced a meteoric rise in the early 2020s, fuelled by tech advancements, increased spending power of the middle classes and the coronavirus pandemic. The general rise of e-commerce was also beneficial to the online gambling market, as it alleviated fears about the safety of online transactions.<\/p>\n  <\/div>\n<\/article>\n      <\/li>\n          <\/ul>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"editorial-and-impressum\" data-cursor=\"change-color\" data-cursor-color=\"#000000\">\n  <span class=\"noise\"><\/span>\n\n  <div class=\"container container--wide\" data-anim=\"opacity,y\" data-anim-delay=\".15\">\n    <div class=\"editorial-and-impressum__left\">\n      <a href=\"https:\/\/ecom.nets.eu\/magazine\/issue\/issue-01\/\" data-cursor=\"skew\" data-anim=\"opacity,y\" data-anim-delay=\".15\" aria-label=\"N\u00ba01\" class=\"issue-num h3\">N\u00ba01<\/a>\n            <ul class=\"links\">\n                <li data-anim=\"opacity,x-\" data-anim-delay=\".3\">\n          \n    <a class=\"btn btn--big btn--icon\"\n                aria-label=\"Editorial\"        data-cursor=\"skew\"       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