{"id":2102,"date":"2025-07-31T16:48:34","date_gmt":"2025-07-31T16:48:34","guid":{"rendered":"https:\/\/wegetfinancing.com\/blog\/?p=2102"},"modified":"2025-12-08T19:03:37","modified_gmt":"2025-12-08T19:03:37","slug":"smart-bnpl-stephane-touboul","status":"publish","type":"post","link":"https:\/\/wegetfinancing.com\/blog\/smart-bnpl-stephane-touboul\/","title":{"rendered":"Smart BNPL &amp; Retail Growth \u2013 An Expert Video Series with St\u00e9phane Touboul"},"content":{"rendered":"\n<p>Do you see Buy Now Pay Later as just another payment method \u2014 or as a powerful growth lever for your store?<br>As more and more retailers embrace <strong>consumer financing<\/strong>, the reality is clear: the solution you choose, the technology behind it, and the way it\u2019s implemented can make a massive difference in performance. In 2025, <strong>Smart BNPL is setting the standard<\/strong>, while outdated financing models fall behind.<\/p>\n\n\n\n<p>Whether in-store or online, successful sales today rely on more than just good products \u2014 they require a frictionless customer journey. And in that journey, the checkout has become a strategic touchpoint: a moment where smart payment options like BNPL can boost conversions\u2026 or, if poorly handled, cause <a href=\"https:\/\/wegetfinancing.com\/blog\/how-a-multiple-lender-bnpl-solution-can-decrease-cart-abandonment\/\">cart abandonment<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Smart BNPL: A Take from a Financing Expert<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-4a866842e33b4068a5099c9a7ee79f72\" style=\"font-size:19px\"><strong>\u201cA great Buy Now Pay Later solution doesn\u2019t compete with credit cards \u2014 it completes them.\u201d<\/strong> \u2014 St\u00e9phane Touboul<br><\/p>\n<\/blockquote>\n\n\n\n<p>So what if Buy Now Pay Later wasn\u2019t just a payment method \u2014 but a real growth engine embedded into your checkout strategy? <\/p>\n\n\n\n<p>As installment plans offer consumers flexible ways to manage their payments, the credit experience itself becomes part of the broader <strong>purchase journey<\/strong>. That\u2019s why the technology, the flow, and the level of personalization all matter in modern consumer financing. At checkout, <strong>seamless multi-lender funnels<\/strong> and <strong>tailored financing options<\/strong> are no longer nice-to-haves \u2014 they\u2019re essential. We dive deeper into this topic in our <a href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-platforms-personalization-strategies\/\">BNPL Platforms &amp; Personalization overview<\/a>, where we explore how smarter decisioning and tailored offers impact approvals and revenue.<\/p>\n\n\n\n<p>When done right, BNPL doesn\u2019t just convert more sales. It also builds <strong>trust<\/strong>, improves <a class=\"\" href=\"https:\/\/wegetfinancing.com\/blog\/consumer-financing-retention-clv-loyalty\/\">customer loyalty and CLV<\/a>, and encourages repeat purchases. A lot of this evolution is driven by younger shoppers, as shown in our <a href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-gen-z-millennials-2025\/\">Gen Z &amp; Millennials BNPL 2025 overview<\/a>. These generations\u2019 expectations are now reshaping what \u201cgood financing\u201d looks like.<\/p>\n\n\n\n<p>In this expert video series, St\u00e9phane Touboul (CEO, WeGetFinancing) breaks down the mindset, tools, and innovations behind a Smart BNPL approach \u2014 one that improves approvals, enhances customer satisfaction, and powers retail growth.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<p class=\"responsive-video-wrap clr\"><iframe loading=\"lazy\" title=\"Boost Sales &amp; Grow Retail with Smart BNPL \u2013 Expert Insights\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLleCaXZAVf66TH5nkj_HGg3g40xlFHHL6\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Why Smart BNPL Is Changing the Game<\/h3>\n\n\n\n<p>Forget the basic \u201cpay in 3\u201d model \u2014 today\u2019s BNPL is a strategic tool for retail growth. From embedded financing flows to full credit spectrum approvals, modern Buy Now Pay Later reshapes the checkout experience \u2014 helping merchants close more sales, serve more customers, and increase long-term loyalty. One of the best examples is the home-furnishing vertical, explored in our <em><a href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-furniture-market-2025\/\">BNPL Furniture Market 2025 analysis<\/a><\/em>, where financing access strongly influences shopper decisions.<\/p>\n\n\n\n<p>Financing in the U.S. remains a fragmented, complex landscape \u2014 and when it comes to Buy Now Pay Later and POS loans, one size rarely fits all. While many single-lender providers still benefit from default trust, key differences between legacy models and today\u2019s smart, gateway-based BNPL solutions can greatly impact your business success. <a href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-solutions-waterfall-lending-single-lenders-gateway\/\">Here\u2019s why understanding that difference matters<\/a>.<br><\/p>\n\n\n\n<div class=\"gb-element-36fa8cdd\">\n<h2 class=\"wp-block-heading alignwide has-text-align-center has-text-color has-link-color wp-elements-52b0b3578c309334611ff6f644a342a6\" style=\"color:#173241;font-size:20px\"><strong>Smart Consumer Financing: What a Multi-Lender Strategy Unlocks<\/strong><\/h2>\n\n\n\n<div class=\"gb-element-582d52cb\">\n<div class=\"gb-element-778d6070\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-874c8d66dff92143fc8cfcb1abed8606\" style=\"color:#195578;font-size:16px\">Improve Approvals,  No Friction<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"140\" height=\"140\" src=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/higher-approval-140.png\" alt=\"Smart BNPL approval rate growth icon\" class=\"wp-image-1320\"\/><\/figure>\n<\/div>\n\n\n<div>\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-0a019e80ecc45002497a7779b09e7da0\" style=\"color:#195578\"><strong>Serve more customers \u2014 even with low credit<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Credit decisions, optimized on the spot.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"gb-element-c3dc1d69\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-3023af7e31a586667fe6dcce4910ec25\" style=\"color:#195578;font-size:16px\"><strong>Reduce Cart Abandonment<\/strong><\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"140\" height=\"140\" src=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/07\/lower-cart-abandonment-140.png\" alt=\"Smart BNPL reduces cart abandonment icon\" class=\"wp-image-2103\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-a92d432668c7369b8bbe16a108dd74ee\" style=\"color:#195578\"><strong>Convert hesitant buyers at checkout<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Keep carts alive with smart options..<\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-dd0ec3ef\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-09d37db83f07ee2c019ac3c63bd4a706\" style=\"color:#195578;font-size:16px\">Offer Flexibility <br>in Real Time<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"140\" height=\"140\" src=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/multi-lender-financing-choice-140.png\" alt=\"Smart BNPL flexible financing plans icon\" class=\"wp-image-1491\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-548d32560f1c26455b555f5b3aea0310\" style=\"color:#195578\"><strong>Let buyers choose their best payment plan<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Multiple lenders, maximum trust.<br><\/p>\n<\/div>\n\n\n\n<div class=\"gb-element-16280fa1\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-d97a1a25fd8508a773c571ca735f1bd9\" style=\"color:#195578;font-size:16px\"><strong>Boost AOV <\/strong><br><strong>&amp; Lifetime Loyalty<\/strong><\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"140\" height=\"140\" src=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/CLV-value-140.png\" alt=\"increases CLV and loyalty icon\" class=\"wp-image-1210\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-3f4489814b23067c1a01aebc175eede3\" style=\"color:#195578\"><strong>Financing becomes part of the experience<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">When financing fits, customers return.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What You&#8217;ll Learn in the Series<\/h3>\n\n\n\n<p>This 5-part video series delivers short, expert-led episodes covering:<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-a453801d8e540a885cc03e224569899c\" style=\"color:#195578\"><strong>Episode 01 \u2013 BNPL vs Credit Cards<\/strong><\/h4>\n\n\n\n<p>Why merchants shouldn\u2019t pick sides, and how both can work together to increase conversions.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-b500698d57253ac82ec6ac8ce3999425\" style=\"color:#195578\"><strong>Episode 02 \u2013 The U.S. BNPL Market Opportunity<\/strong><\/h4>\n\n\n\n<p>The latest data and merchant adoption trends in a $1.3B+ consumer financing market.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-bccb744d9771e368b1894fa16bdc8802\" style=\"color:#195578\"><strong>Episode 03 \u2013 How to Choose the Right Financing Partner<\/strong><\/h4>\n\n\n\n<p>What really matters when embedding financing into your checkout flow.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-e690ac772f8724e4bc1f3ae7bd6679f3\" style=\"color:#195578\"><strong>Episode 04 \u2013 One Gateway, Many Lenders<\/strong><\/h4>\n\n\n\n<p>How the WeGetFinancing model improves approval rates by routing requests smartly.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-4d500ba7ea5a1a4135199a694f22b0dd\" style=\"color:#195578\"><strong>Episode 05 \u2013 What\u2019s Coming for Retail<\/strong><\/h4>\n\n\n\n<p>Forecasts for the next 6 months and why tech flexibility is key to staying competitive.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Who Is This Video Series For<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retailers (ecommerce or in-store)<\/li>\n\n\n\n<li>CFOs and Marketing leads looking to improve conversion<\/li>\n\n\n\n<li>Platforms or integrators building checkout flows<\/li>\n\n\n\n<li>Any merchant looking to serve more customers with smarter payment options<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Smart BNPL = Better Business Outcomes<\/h2>\n\n\n\n<p>Based on WeGetFinancing\u2019s years of experience in online lending and installment solutions, this video series offers a clear and concise breakdown of what <strong>modern consumer financing<\/strong> should look like \u2014 and how to turn it into a competitive advantage.<\/p>\n\n\n\n<p>In a landscape where outdated single-lender flows and rigid approvals still slow down growth, modern financing strategies are redefining how merchants convert and retain customers. If you want the bigger picture, our <a href=\"https:\/\/wegetfinancing.com\/blog\/consumer-financing-2025-guide\/\">ultimate guide to consumer financing in 2025<\/a> breaks down the main models, approval strategies, and use cases behind smart BNPL.<\/p>\n\n\n\n<div class=\"gb-element-afe389f1\">\n<div class=\"gb-element-0d84a6be\">\n<div>\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1918626342593360685ab879e7265920\" style=\"color:#173241;font-size:26px\"><strong><strong>Ready to Go Further with Smart Financing?<\/strong><\/strong><\/h2>\n\n\n\n<p style=\"font-size:15px\">Explore our expert content \u2014 from Smart BNPL strategies to tax resolution financing. Whether you&#8217;re starting out or scaling up, these insights help you optimize checkout and build long-term customer loyalty.<\/p>\n\n\n\n<p style=\"font-size:14px\">\ud83d\udc49 Rewatch <a href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-consumer-financing\/\">Series 1, introduction to Consumer Financing<\/a> <br>\ud83d\udc49 Discover <a class=\"\" href=\"https:\/\/wegetfinancing.com\/blog\/tax-resolution-financing-expert-video-series\/\">Series 2 on Tax Resolution<\/a><\/p>\n<\/div>\n\n\n\n<div><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/gateway-customer-satisfaction-1.png\" alt=\"\" class=\"wp-image-1260\" style=\"object-fit:cover;width:207px;height:auto\" srcset=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/gateway-customer-satisfaction-1.png 512w, https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/gateway-customer-satisfaction-1-300x300.png 300w, https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2025\/05\/gateway-customer-satisfaction-1-150x150.png 150w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.youtube.com\/channel\/UCyZQupMw8XlSFpDTFLmIL7A\" style=\"border-radius:0.5rem;background-color:#263767\">Visit Our YouTube Channel<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/wegetfinancing.com\/merchants\/\" style=\"border-radius:0.5rem;color:#134e70\">Explore our Solutions for Merchants<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>The WeGetFinancing Editorial Team<\/strong><br><em>Expert insights on BNPL, consumer financing, and retention strategies.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you see Buy Now Pay Later as just another payment method \u2014 or as a powerful growth lever for your store?As more and more retailers embrace consumer financing, the reality is clear: the solution you choose, the technology behind it, and the way it\u2019s implemented can make a massive difference in performance. In 2025, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2148,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86],"tags":[6,161,204,201,202,203],"class_list":["post-2102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bnpl-platform-news-and-updates","tag-consumer-financing","tag-financing-experts","tag-retail-growth","tag-smart-bnpl","tag-stephane-touboul","tag-videos-series","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Smart BNPL &amp; Retail Growth \u2013 Expert Insights Series<\/title>\n<meta name=\"description\" content=\"Smart BNPL drives sales, approvals, and loyalty. Watch this expert video series with St\u00e9phane Touboul, CEO of WeGetFinancing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wegetfinancing.com\/blog\/smart-bnpl-stephane-touboul\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smart BNPL &amp; Retail Growth \u2013 Expert Insights Series\" \/>\n<meta property=\"og:description\" content=\"Smart BNPL drives sales, approvals, and loyalty. 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