US Consumer Credit and Buy Now, Pay Later—Capturing the Aging Opportunity: Premium Member Call

ABOUT THIS CALL

US consumer debt is aging, but buy now, pay later (BNPL) remains a younger consumer phenomenon. While older Americans are adding debt at the fastest pace across most credit categories, BNPL adoption continues to skew toward younger shoppers. What is driving this divide, and where do the next opportunities for growth lie?

Join Coresight Research for an exclusive Premium Member Call exploring the changing demographics of US consumer credit and the opportunities emerging for BNPL providers, retailers and financial services companies.

Drawing on our latest proprietary consumer survey data, we will examine why BNPL usage peaks at 46.8% among consumers aged 18–29 but falls to just 14.3% among those over 60. Our research suggests that this gap reflects consumer preferences rather than limited access to traditional credit, pointing to an opportunity to expand BNPL adoption among older consumers.

We will also explore how BNPL adoption varies by income, why higher-income consumers are increasingly using BNPL for bigger-ticket purchases and how changing interest rates could influence adoption. With BNPL revenues growing faster than the broader consumer credit market, we will examine the opportunities for retailers and providers to capture demand across new demographics and spending categories.

What We Will Discuss

• Why older consumers are driving US consumer debt growth while BNPL adoption remains concentrated among younger age groups.
• How consumer preferences are creating opportunities to expand BNPL adoption among older consumers.
• Why higher-income consumers are increasingly using BNPL for occasional, big-ticket purchases.
• How BNPL is outperforming the broader consumer credit market and what rising interest rates could mean for future adoption.
• What delinquency trends reveal about consumer credit health and emerging growth opportunities for retailers and BNPL providers.

Join John Mercer, Head of Global Research and Managing Director of Retail Research at Coresight Research, for this Member call on Friday, November 6.

About Premium Member Calls:

• Direct access to our research team and industry experts
• Deep dives into emerging trends and market developments
• Actionable insights derived from our proprietary data and analysis

This event is exclusive to our premium members. Premium Member Calls are our weekly forum designed to foster collaboration and knowledge-sharing among Coresight Research clients. These sessions provide opportunities to discuss recent research findings, explore topical issues impacting the retail and technology sectors, and engage with major themes that are reshaping the industry landscape.

 Click Register above to secure your place.

Register Now – Click Register to join us. This event is exclusive to Coresight Research premium members.

We look forward to seeing you on the call.

For any questions, please contact us at contactus@coresight.com