Buy Now Pay Later
Navigating regulatory change through a comprehensive suite of services that combine deep regulatory expertise with operational excellence
Supporting BNPL growth in an FCA-regulated environment
As the buy now, pay later (‘BNPL’) sector matures, regulatory frameworks are evolving to incorprorate BNPL under their remit. This shift presents challenges, but also opportunity — not only to embed strong governance and fair outcomes, but to build sustainable operations that support long-term growth.
Deep regulatory knowledge
We work in partnership with BNPL providers to help them achieve their growth, revenue and customer experience goals. Our history of advisory support to regulated firms across the globe – including supporting the FCA authorisation of over 50 firms – means we are ideally placed to support BNPL firms embed new regulatory expectations while continuing to deliver seamless, customer-centric experiences.
How Huntswood can help:
Regulatory advisory services
- Interpreting and embedding regulatory requirements with a focus on business goals, risk profile and appetite
- Supporting process, policy, governance and control design aligned to emerging standards
- Helping operational teams implement change with clarity and consistency
Fully optimised, outsourced operations
- The delivery of compliant operations across customer / merchant servicing, complaints, collections, fraud and back office
- Ultimately scalable, with proprietary technology and established continuous improvement framework for optimising operations
- Unrivalled access to the resource market for financial services professionals across the globe
BNPL-specific expertise
- Fair outcomes, vulnerability and affordability management
- Complaint handling in line with regulatory expectations
- International support for cross-market requirements
Regulatory readiness and commercial confidence
Our integrated services bring together specialist knowledge in financial services regulation with deep operational expertise in customer and merchant support. We help BNPL firms confidently navigate change by aligning business strategy with regulatory direction — always with the customer at the centre.
How do we do this so successfully?
We understand that the BNPL sector is dynamic and fast-moving — and that with the right support, regulatory change can be a positive catalyst
Aligned expertise
Deep understanding of both compliance and customer operations
Flexible delivery
Advisory services or fully outsourced operational models
Customer-centred
Ensuring every solution supports fair and transparent experiences
Trusted partnership
A collaborative approach to meeting evolving expectations
Meet Simon Brown
Huntswood have recently appointed Simon, Advisory Services Lead for Consumer Finance
Simon has extensive experience in working with firms to design, develop and enhance their compliance frameworks. He is an expert in the FCA’s conduct rules for Consumer Credit as well as the methodology of running a successful compliance programme.
