Especially in cases of sudden high costs, such as urgent surgery or medications

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In Russia, about a third of the population still has no access to banking products or has limited access. The most vulnerable are pensioners and rural residents. This group of the population, like the category that lives “paycheck to paycheck,” has an increased risk in the event of an unexpected increase in financial needs, as happens in the case of acute illnesses or accidents.

Many are often forced to resort to microfinance organizations and pay 300% per annum. Here BNPL can help out. But this will require serious investments in marketing and increasing the financial literacy of the population.

It is important to understand that some BNPL market kuwait whatsapp phone number leaders, such as Sber and Yandex, have a huge audience in segments where such solutions for medical expenses can literally save lives.



B2B BNPL
Like retail customers, businesses, especially small businesses, need access to quick and convenient capital. BNPL can be an attractive option for B2B transactions, offering companies the opportunity to improve cash flow management and increase the flexibility of their financial transactions. Let's take a closer look.

The first argument is improved cash flow. BNPL allows companies to spread payments for goods and services over a longer period, which helps preserve working capital.

For example, a small company or store purchasing goods worth 0.5-1 million rubles can use BNPL to pay for six months. This makes it possible to use available funds for other business needs.

There are several interesting BNPL solutions in the B2B payment sphere in the global experience. For example, the European startup Hokodo provides BNPL services for a number of industries, including HoReCa, construction business and agriculture, allowing small and medium businesses to make interest-free payments within 30-90 days from the date of purchase.

By my calculations, their product increases conversion by 40% and the average check by 30%. Similar results can be seen in other companies, such as Mondu and Parafin, which provide access to interest-free capital for businesses operating on marketplaces such as Amazon or DoorDash.