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As BNPL expands across markets and use cases, success depends on programmable infrastructure that enables real-time decisioning, regulatory compliance, and card-based delivery at scale.

Consumers now manage payments, wallets, and loyalty across multiple platforms simultaneously. Marqeta's 2025 State of Payments data shows what financial services leaders must do.

Businesses in tech and entertainment excel at creating engaging products. They obsess over onboarding flows, personalization, and customer delight. Yet payments often remain an afterthought.