EBAday 2026: Rebuilding the payments landscape

The payments landscape is shifting toward 'invisible' transactions, and your business needs to be ready for the era of embedded finance. Industry experts recently highlighted that customers no longer want to choose a payment method at the end of a transaction. Instead, they expect financing and payment options to be baked directly into the buying journey. This means the traditional separation between your storefront and the financing application is disappearing. For retailers and service providers, the focus is shifting away from simple credit card acceptance. The next wave of growth will come from integrating Buy Now, Pay Later (BNPL) and instant lending directly into your digital platforms. These 'embedded' services reduce friction and prevent customers from abandoning their carts due to complex credit checks. As real-time payments become the global standard, your business will benefit from faster settlement times and lower transaction costs. Security is also evolving. New technologies like digital identity verification are making it easier to approve customers for financing instantly without increasing fraud risk. The takeaway for operators is clear: financing isn't just a back-office tool anymore. It is a core part of the customer experience that can drive higher ticket sizes and better loyalty if implemented early.

Source: Finextra — Lending

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