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Models for Point-of-Sale (POS) Market Entry

Author

Listed:
  • Pritham Pattamatta

    (SoFi Technologies, Inc., San Francisco, CA 94105, USA
    These authors contributed equally to this work.)

  • Shaunak S. Dabadghao

    (Department of Industrial Engineering and Innovation Sciences, Eindhoven University of Technology, P.O. Box 513, 5600 MB Eindhoven, The Netherlands
    These authors contributed equally to this work.)

Abstract

Point of Sale (PoS) or Buy-Now-Pay-Later (BNPL) type financing has observed a strong rise in the last decade, and accounts for about 10% of the unsecured lending market in the USA. This market is largely covered by FinTechs, and traditional financial institutions are beginning to demonstrate interest in entering this market. In this short communication, we identify why the POS market is attractive and what drives its growth, examine the market participants, and illustrate the various ways in which financial institutions can enter this market.

Suggested Citation

  • Pritham Pattamatta & Shaunak S. Dabadghao, 2022. "Models for Point-of-Sale (POS) Market Entry," FinTech, MDPI, vol. 1(4), pages 1-7, October.
  • Handle: RePEc:gam:jfinte:v:1:y:2022:i:4:p:24-324:d:939760
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