• Study on BNPL product impact and economics on US consumers. This should include following topics -
1. Unit economics for the BNPL product for companies like Affirm and Afterpay (both are public companies so this should be available). Report should cover - revenue from the product, costs associated with the product (all line items) for these two companies. Report should cover how different line items have changed over time (since the time these two companies went public till now, or atleast last 3 years) and at what scale product became / is expected to become profitable for them?
2. Discussion on benefits of using this product vs. credit cards, loans etc. - from a consumer perspective. This part should compare average pricing offered to consumers (using Affirm, Afterpay data) while buying something through a BNPL product vs. credit card or taking a loan.
3. User experience – differentiation in terms of experience, credit score impact, any other metrics
4. Impact on merchants offering this option – this part should talk about, if a merchant is allowing BNPL to be used then how do their economics & growth in revenue get impacted by BNPL vs. credit card product.
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