With digitalisation increasing every year, banks now face an existential threat from ‘buy now, pay later’ (BNPL) providers. Martin Morris talks to Antony Stephen, spokesperson for BNPL at Barclays and CEO of Barclays POS finance business; Juan José Solís, global head of consumer finance, open innovation and new business models at BBVA; and Eduardo Flores, BBVA’s global programme manager BNPL, about where the industry is now – and where it is heading.