Ep. 33 - The Credit Revolution: How Embedded Finance and BNPL are Redefining Payments, with Lindsey Lindsay, CMO, Snap Finance UK

In this episode, hosts Grant Evans and Justin Hanna are joined by Lindsey Lindsay, Chief Marketing Officer at Snap Finance UK, for a deep dive into the evolution of credit, embedded finance, and Buy Now Pay Later.Lindsey shares her journey across consumer finance and fintech, reflecting on how attitudes toward borrowing, affordability, and transparency have shifted over the past decade. The conversation explores the rise of point-of-sale finance, the differences between interest-bearing models and zero-interest BNPL, and how embedded credit can drive long-term loyalty — not just short-term conversion.They also unpack how regulation is reshaping innovation, why trust matters more than ever in consumer finance, and what the next 3–5 years could hold for underwriting, AI-driven risk models, and the future of invisible finance.Plus, Lindsey steps up for The Payments Shed’s legendary Shelf of Shame — nominating one thing in credit, BNPL or business she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments,  real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at ⁠⁠⁠www.isx.financial⁠⁠⁠***The Payments Shed Podcast is sponsored by Snap Finance UK.Snap Finance is a flexible point-of-sale finance provider helping consumers spread the cost of essential purchases. They offer transparent repayment options, built around accessibility and real-world affordability, focused on making credit work better for everyday shoppers.***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teampcn.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.