Apple Pay Later 

Can a tech company revolutionise the financial services industry?
Explore the recent financial services development of Apple, the trillion-dollar giant, hand-in-hand with a global fintech thought leader and the CEO of a business builder firm in the finance and innovation space. 
US BNPL lending was forecast to reach over US$90 billion in 2023, according to Statista.
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Online Course


30 mins

Video duration




On Completion

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With this online course, you will:
  • Understand what is Buy-Now-Pay-Later (BNPL)
  • Analyse how Apple's BNPL offering works
  • Evaluate the risks and opportunities of BNPL
  • Establish a view of the potential challenges that can emerge
  • Gain a perspective on how BNPL can work for different stakeholders




Digital Payments

Disruptive Tech

Course Lessons

 Apple Getting into BNPL

In this chapter, we will discuss Apple’s BNPL offering: Apple Pay Later, covering various aspects of the product, including how it works for consumers and how it works for merchants. The potential risks and opportunities associated with Apple Pay Later are discussed, such as its potential to attract new customers and increase average basket size, as well as the challenges of competition with established players and the possibility of regulatory challenges.

Meet your instructor - Dr. Efi Pylarinou

Global Fintech & Blockchain Influencer

Dr. Efi Pylarinou is a seasoned Wall Street professional and ex-academic who has become a Top Global Fintech & Tech Thought Leader. She is a domain expert with a Ph.D. in Finance, a prolific Content creator, a Host, an Author, and a Speaker. She is trusted by global brands in Tech and financial services, like Microsoft, NVIDIA, Oracle, SAP, Huawei, ComplyAdvantage,, Swissquote, ADDX, Finastra, Bitstamp, Seba Bank, In 2022, she was included in the Top 50 Digital Futurists list, Top Linkedin & Twitter Voice by Engatica.

Meet your instructor - Huy Nguyen Trieu

Co-founder at CFTE

Huy Nguyen Trieu is the Co-Founder of CFTE. He is also the CEO of The Disruptive Group, a business builder and advisory firm in innovation and finance, and a Venture Partner at Mundi Ventures, an early-stage VC fund in Fintech and Insurtech. He believes that in a world led by technology, we shouldn’t forget the importance of people, which is why he co-founded CFTE to help people improve their skills and find opportunities.

Prior to setting up CFTE, Huy was a Managing Director at Citi, and previously at the Royal Bank of Scotland and Société Générale. Before banking, he was the CEO of Ukibi, a VC-funded startup in the US. He is a frequent keynote speaker in Europe and Asia, likes to teach and share with students and entrepreneurs, and is regularly quoted in articles on innovation and finance.
He writes the blog Disruptive Finance, is an Entrepreneurship Expert at Oxford Saïd Entrepreneurship Centre and a Fintech Fellow at the Centre for Global Finance and Technology at Imperial College. He was also a member of ESMA’s Consultative Working Group for financial innovation and a founding member of the Asian SuperCharger, one of the largest Fintech accelerators in Asia.