GEORGE SINANIS
ALAN HOLCROFT
RETAIL PAYMENTS
GEORGE SINANIS
TITLE : CHIEF OPERATIONS OFFICER
COMPANY : VIVA . COM
George Sinanis helps businesses to develop and unleash their true potential , within the IT , Retail and Services industry . As COO he works at building , developing and leading diverse sales teams to launch and establish innovative products & solutions for businesses in the UK , Greece and Europe .
ALAN HOLCROFT
TITLE : UK COUNTRY MANAGER
COMPANY : CEGID
Alan Holcroft serves as the Country Manager for the UK and Northern Europe at Cegid , where his leadership supports prestigious brands with both local and global expansion efforts .
The evolution of BNPL is not limited to consumer transactions . The sector is also making strides in B2B applications , where traditional trade credit practices are being enhanced with digital solutions , offering more structured and secure payment terms .
This shift is notably driven by tech companies in Europe and the US , with sectors like construction seeing significant benefits .
Louis Carbonnier , Co-founder and President of Hokodo , discusses the evolution of the BNPL sector , noting its fluctuating popularity and operational challenges . “ BNPL has seen significant ups and downs . While it has become a preferred consumer payment method and exploded in popularity , major players struggle with profitability ,” Carbonnier said . He forecasts that BNPL will remain popular in B2C markets but anticipates major regulatory and market consolidation changes .
Carbonnier also highlights the distinct nature and growing trend of B2B BNPL services , driven by a select group of tech companies in Europe and the US , including Hokodo . “ B2B BNPL differs notably from B2C . Businesses , accustomed to trade credit , are inherently more cautious in spending , which influences the dynamics of BNPL in the B2B context ,” he explains .
Expecting a shakeout in the sector , Carbonnier predicts : “ As the market matures , a few dominant players will emerge . B2B BNPL is gaining traction as a safe , simple and supportive trading
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