It's no secret that I am a fan of the BNPL concept while still being a little nervous about how it has been implemented. Some of the valuations have been built on sand, but that's not what I'm concerned about here, instead, I'm referring to independent lenders all chasing growth with no thought to see the combined impact of their independent activities. Luckily, there's a relatively easy fixe for that: the good old-fashioned credit bureau. There's still work to be done to make the infrastructure fit the data, as you'll hear from Simon Forster, but the good news is that we're already a few months into this journey in the UK.Picking up from what we covered with ZIlch on episode 102, today we're talking about what we're learning now that BNPL's are sharing their data with Experian, and the credit bureaus.There's a huge amount of information over at https://www.experian.co.uk/business/ (or at https://www.experian.com/business/ for American listeners) However, if it's the given the topics discussed today that have you intrigued, you can go straight to https://www.experian.co.uk/business/industries/buy-now-pay-later for insights from their BNPL work.As Simon said, his team create more than just BNPL insights, so also poke around at https://www.experian.co.uk/blogs/latest-thinking Simon is on LinkedIn at https://www.linkedin.com/in/simon-forster-78b8897/ (the company as a whole is at https://www.linkedin.com/company/experian/) You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Keep well, Brendan Hosted on Acast. See acast.com/privacy for more information.