REPORT

Agentic AI and the New Economics of BNPL Arrears

From 20 November 2026, the revised Consumer Credit Directive (CCD2) introduces new requirements for much of the BNPL market, adding pressure to already costly arrears operations. 

This report explores how Agentic AI can help providers resolve missed payments earlier, reduce collection costs and maintain control over repayment decisions. 

What’s inside:

  • What CCD2 changes after the first missed payment
  • Why small BNPL balances are becoming more costly to recover
  • How to resolve arrears before external placement
  • How Agentic AI moves customers from missed payments to resolution
[Agenly] CCD2 At a glance (1) [Agenly] CCD2 At a glance (2) [Agenly] CCD2 At a glance (3)

Why does it matter?

When the cost of recovering a missed payment is too high, even successful collections lose value.

See how Agenly helps BNPL providers resolve arrears before external placement, reduce manual handling and achieve up to 25% lower cost-to-collect, while keeping repayment decisions governed by predefined business rules. 

What Are You Waiting For?