BNPL moves into the conversation layer of commerce - Tearsheet

Affirm and Klarna embed BNPL directly into Google’s Gemini as shopping shifts from search bars to conversations.

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The checkout button is starting to lose its original place in the buying process as payments move upstream into AI interfaces.

That shift is now surfacing inside Google’s ecosystem, where BNPL firms Affirm and Klarna are embedding installment payments into Google Search and the Gemini app through Google Pay. The integrations move BNPL directly into AI-driven shopping experiences, where discovery, comparison, and purchasing happen within a single conversational interaction rather than across separate search funnels and checkout pages.

Affirm is designing BNPL for machine-readable commerce

Affirm’s move into Gemini reflects how the company sees shopping and lending evolving together inside AI platforms.

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