Revenue teams - Protect our margin in a challenging economical context
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Questions and Answers

What has been a major driver of growth for the BNPL sector?

  • Changes in consumer preferences (correct)
  • Lower financing costs
  • A decrease in inflation
  • An increase in shopping patterns
  • How many BNPL providers are active in the European and North American markets?

  • 5
  • 10
  • 25
  • Over 50 (correct)
  • What is Alma's main priority?

  • To reduce acceptance at macro level
  • To keep fighting inflation (correct)
  • To maintain a high performance on the market
  • To reduce the cost of risk
  • What are the three key points that Alma focuses on when negotiating terms with merchants?

    <p>Reducing the cost of risk, maintaining a high performance on the market, and adapting pricing</p> Signup and view all the answers

    What has been the impact of the policy rate raise on the financial markets?

    <p>Higher financing costs leading to an increase in inflation</p> Signup and view all the answers

    Study Notes

    • The Buy Now, Pay Later (BNPL) sector has seen strong growth in recent years, driven by changes in consumer preferences and a COVID-boosted shift in shopping patterns.
    • The number of BNPL providers has proliferated, with over 50 in the European and North American markets today.
    • The policy rate raise has had a negative impact on the financial markets, with higher financing costs leading to an increase in inflation.
    • Alma is one of the few BNPL providers that has always been responsible and has always sought to protect the final consumers from over-indebtedness.
    • The number 1 priority for Alma is to keep fighting inflation and to adapt to the changing financial markets conditions.
    • Alma is adapting its acceptance policy in order to reduce its Cost of risk.
    • This includes decreasing acceptance at macro level in order to reach an acceptable margin AND to ensure we are at least breakeven on every single merchant we work with.
    • This is an ongoing work led by the risk and finance team.
    • There are three key points you need to focus on when negotiating terms with your merchants: reducing the cost of risk, maintaining a high performance on the market, and adapting pricing to make sure Alma remains sustainable.

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