BNPL is shining this holiday season. Here's how retailers should think about it moving forward

Buy now, pay later (BNPL) is surging in popularity, with holiday sales volume expected to reach $18.5 billion this year, up 27.6% from 2022, according to Adobe. As younger, lower-income shoppers drive adoption, BNPL is poised to surpass $100 billion in annual U.S. payment value by 2025, signaling major opportunities for retailers.