By Citizens Pay Business transformation is what successful companies continuously strive to achieve, and one area seeing tremendous potential is the payments landscape, where new payment alternatives have garnered a large following, especially among millennials and Gen Z. Today's consumers look for not only convenience, speed and reliability but also a variety of payment options. To stay competitive, businesses must consider offering multiple payment methods, such as buy-now-pay-later (BNPL) solutions, which help break up large and prohibitive one-time expenses into smaller, more manageable monthly charges without the burden of interest payments. "A BNPL solution that focuses on doing the right thing for the customer by making sure they have the ability to pay off purchases creates a win-win situation," said Andrew Rostami, president of Citizens Pay. "The consumers get what they want, and the merchants deliver the right customer experience and earn loyalty from the customer."