Another Danish & Coffee session, and this time Martin and Kevin are joined in the hot seat by Chris Warburton. With major new Buy Now, Pay Later rules coming into force in the UK, the three unpack what the new regime for deferred payment credit means for lenders, collections teams, compliance functions and, above all, consumers.

The conversation covers proportional affordability assessments, the impact of deferred payment credit on customers' wider finances, and the role AI can play in spotting vulnerability and supporting fair outcomes in a newly regulated market. Fresh from Credit Week at Celtic Manor, the panel also shares what the industry is talking about right now.

Topics covered

• The new UK BNPL regulation and what it means for lenders and collectors
• Proportional affordability assessments
• The impact of deferred payment credit on consumers
• Consumer protection and vulnerability
• Collections and compliance challenges in a newly regulated market
• The role of AI in the future of customer engagement