BNPL vs. Credit Card Economics Comparator

Models a side-by-side unit economics comparison between Buy Now Pay Later and revolving credit card products for a defined customer/merchant scenario — producing net revenue per transaction, risk-adjusted margin, customer lifetime value differential, and a funding cost sensitivity table. Use when deciding whether to launch, fund, or prioritize a BNPL product against an existing card portfolio, when modeling the profitability tradeoff for a specific merchant category, or when stress-testing how rising funding costs reshape the BNPL-vs-card decision.