McKayla Wooldridge is an Associate Analyst for Customer Experience & Commerce at 451 Research, part S&P Global Market Intelligence. McKayla's coverage focuses on digital payment technology and trends across the fintech ecosystem and their impact on the customer experience and industry stakeholders.
Prior to joining 451 Research, McKayla served as a Business Intelligence Advisor on S&P Global’s SNL Banker team. As an advisor, she worked with community banks and credit unions leveraging the SNL Banker data warehouse for a variety of business applications. She graduated from James Madison University with a BS in Economics and Geographic Information Systems.
Payments flexibility is valuable to companies undergoing multiple inventory turn cycles per year, allowing them to maintain inventory while freeing up capital for other initiatives. Koverly is a business-to-business startup that offers "buy now, pay later" and reduced foreign exchange rates for importers.
Blockchain technology has widespread applications across the financial services landscape and is beginning to disrupt traditional business models. Paystand is a business-to-business payments platform provider on a mission to transform and democratize the global financial network using blockchain technology.
Account-to-account payments such as same-day ACH and real-time payments can save time and reduce costs for businesses compared with card payments or paper checks. Dwolla is looking to simplify the way in which organizations leverage A2A payments for pay-in and pay-out use cases.
Emerging markets like Latin America and Africa present a fast-growing e-commerce opportunity, yet barriers to entry remain prevalent. EBANX aims to address them with a platform intended to streamline cross-border payments for businesses selling to these markets.
It is common for "buy now, pay later" providers to layer on additional services to broaden their value propositions, reach a wider demographic and diversify their revenue streams. Fewer, however, have applied a subscription model to BNPL. In contrast, Sezzle recently launched a subscription BNPL service dubbed Pay Anywhere.
Many consumer sentiments around data security and privacy remain consistent with last year, underscoring the continued need for data and privacy protections and controls, which are influential in driving loyalty. There is an air of exhaustion as well as a sense of familiarity as consumers once again demand assurances regarding their digital safety.
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