Human beings are known for a myriad of different things, but most importantly, they are known for getting better on a consistent basis. This progressive approach, on our part, has already got the world to hit upon some huge milestones, with technology appearing as a major member of the stated group. The reason why technology enjoys such an esteemed stature among people is, by and large, predicated upon its skill-set, which ushered us towards a reality that nobody could have ever imagined otherwise. Nevertheless, if we look up close for a second, it will become clear how the whole runner was also very much inspired from the way we applied those skills across a real world environment. The latter component was, in fact, what gave the creation a spectrum-wide presence, and consequentially, kickstarted a tech revolution. Of course, this revolution then went on to scale up the human experience through some outright unique avenues, but even after achieving such a monumental feat, technology will somehow continue to produce the goods. The same has grown a lot more evident in recent times, and assuming one fintech-themed development shakes out just like we envision, it will only make that trend bigger and better moving forward.

Amazon Pay has officially rolled out Citi Flex Pay integration to allow Citi credit card holders in terms of breaking down their expenses into installments. Marking the first time you can use Flex Pay through a digital wallet, the development ensures these card members have the option to choose payment plans of three to 48 months for purchases of $50 and up. Once they select a plan and complete the purchase, they’ll see each installment’s value getting added to their card’s minimum monthly payment. Talk about exactly where the members can use the new installment option, it is available at a host of leading retail outlets, such as Jomashop, Litter-Robot by Whisker,, and many more. The move also provides an interesting follow-up to all those studies where it was claimed that 70% of shoppers spend more when using BNPL. Not just that, the studies even revealed how 47% of consumers choose merchants based on just their partnerships with preferred BNPL providers.

“Customers want flexible payment options and merchants want to offer that flexibility but don’t always have the resources to do so,” said Omar Soudodi, director of Amazon Pay. While commenting on the collaboration, he further called it a  “win-win for both customers and merchants — customers have a new, convenient way to pay for their purchases and merchants can seamlessly offer new and existing customers more choice, affordability, and flexibility in how they pay.”

However, as widespread as it is becoming, the BNPL service has to be presented in the most convenient form, if it is to deliver the desired results. This is backed by another research, which says 32% of customers cite the speed of shopping as their top priority.

“BNPL experiences across all channels must match these customer preferences to harness the increased profit that comes with this method,” stated PYMNTS “Deployed incorrectly, BNPL has the potential to sabotage the experience by forcing customers to enter their BNPL service provider sign-ins or perform additional steps at checkout, leading to delays.”

Whether Amazon and Citi are able to walk the BNPL tight rope is something that remains to be seen. There are reasons to be optimistic, though, considering the companies have already collaborated in the past to launch cutting-edge features like Amazon Pay’s Express Payout, a functionality designed to give merchants quicker access to working capital.