BNPL Enters the Regulatory Spotlight: What UK Supervision Means for Banks and Payment Providers

BNPL has grown because it’s convenient and frictionless, but that same convenience has created genuine concerns around affordability, transparency, and customer outcomes. With FCA regulation expected to come into force in 2026, BNPL is moving into the mainstream supervision environment, and firms will be expected to demonstrate stronger controls.

This session breaks down what the new regulatory perimeter will mean, where banks remain exposed through embedded finance partnerships, and how to build compliant controls without undermining conversion or customer experience.

Agenda:

1. What FCA supervision of BNPL is likely to introduce in practice

2. Affordability, disclosures, and customer outcomes under a regulated model

3. Where banks remain exposed through partnerships and embedded journeys

4. Designing controls that work without damaging customer experience

5. Q&A and practical next steps