Retailers will face significant friction amid the tightening of the rules for Buy Now Pay Later (BNPL) in the UK, and will need to respond with strong value messaging and good‑better‑best options across product ranges, in order not to lose sales from financially challenged customers. The UK’s decision to bring BNPL under full Financial Conduct Authority (FCA) oversight from July 2026 involves the introduction of mandatory affordability and creditworthiness checks on every BNPL transaction. With 36.3% of B ...