Financial Services & WageringBNPL
Financial Services & WageringBNPL

Four Easy Payments

Will the average BNPL installment fall this week?

Nearly half of American families say they will finance back to school shopping with buy now pay later, up from 39% last year. Splitting pencils into four payments is the economy in one stat. Smaller installments mean everyday carts.

EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      

Select Outcome

Early Pool
Yes—
No—
$
Graduation Progress12%
▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓
$6of $50 to graduate

Activity

EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      EARLY POOL      

Select Outcome

Early Pool
Yes—
No—
$
Graduation Progress12%
▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓
$6of $50 to graduate

Activity

MARKET WINDOW

August 17 to 23, compared against the August 10 to 16 prior week.

DEFINITIONS & SCOPE

ATV is total verified installment payment dollars processed under the basket platforms' consumer descriptors during the window divided by total installment payment count. The target line is the basket ATV over the identical-length, same-days-of-week prior window.

RESOLUTION METHOD

Yes wins if the window ATV falls below the prior-window ATV; No wins otherwise. In the event of a tie, all positions are refunded in full.

DATA SOURCE

Powered by verified transaction data from American Spend's oracle. Anonymized, aggregated, and secured. Real, objective, verified proof of spend sourced from a representative sample of consumer spending.

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