Buy now pay later (BNPL) is one of the largest, fastest-growing and most well-funded segments in the fintech market. According to Accenture, the number of BNPL users in the U.S. has grown by more than 300% per year since 2018, reaching 45 million active users in 2021. But as stand-alone BNPL apps continue to grow, so will the threats against them.

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