Credit inclusivity must go beyond buy now pay later to cater for those in need of access Tim Chong Credit has a huge inclusivity problem in the UK. It’s encouraging to see buy-now-pay-later (BNPL) firms make moves to share their data with credit referencing agencies (CRAs) ahead of regulatory deadlines. However, there’s much more to be done to help millennials improve their credit, and a real risk in advising consumers to increase BNPL usage [...]