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Buy Now, Pay Later - Transforming the Experience and Cost of Payments


The adoption of BNPL is at an inflection and becoming a must-have for many merchants. These products use payments to drive conversion much earlier in the shopping journey – which often lead to larger basket size and lower abandonment rates. Consumers have gravitated towards these solutions as an easy way to finance purchases, both large and small.

Over the last two years the market has exploded with various BNPL models and players. In this webinar, we’ll discuss the different approaches, payment models, and implications for merchants. You’ll also hear from two leading BNPL companies offering different go-to-market models:
  • Derek Joyce, President of Bread, which provides the leading white labeled solution for traditional installment as well as split payment. 
  • Adam Ezra, CEO of Quadpay, which has rapidly grown as a consumer-branded split-payment solution. 
Each company presentation will be followed by a brief moderated discussion and audience Q&A.

Learning Objectives:
  1. Describe the approach and impact of different BNPL models.
  2. Assess the cost and requirements of the different models for both consumers and merchants.


  • Derek Joyce | President, Bread

    Derek Joyce serves as President and Chief Revenue Officer at Bread.
    Prior to joining Bread, Derek spent 3.5 years at Klarna, most recently as VP/GM Global Accounts where he was accountable for all aspects of Klarna’s global organization including; new sales, technical sales, implementations, customer success, finance, analytics, legal and marketing. In his time at Klarna, Derek helped drive multifold enterprise merchant and sales growth.
    Derek also previously spent nearly 10 years at American Express working across both the issuing and acquiring businesses, focusing primarily on driving global enterprise partner and merchant growth. Before American Express, Derek held various positions across product, marketing and business development within the financial services industry in England and Australia. Derek holds a Bachelor of Business from Griffith University.

  • Adam Ezra | Co-Founder and CEO, Quadpay

    Adam Ezra is Co-Founder and Co-Chief Executive Officer of Quadpay, a global digital payments company that provides consumers a smarter alternative to credit cards and a better way to spend with interest-free installment payments, everywhere they shop.
    Quadpay recently merged with Aussie payment technology pioneer Zip Co. (ASX: Z1P) to form a $2B global fintech alliance. Since launching in 2017, Quadpay has become one of the fastest-growing point-of-sale installment payments providers in the U.S., with more than 4 million customers and 7,200 world-class retail partners.
    Prior to Quadpay, Adam founded multiple successful consumer-focused businesses in the fashion and apparel category. He also worked in private equity with Illyria Pty, the private investment vehicle of Lachlan Murdoch, and in investment banking with global financial services company Macquarie Group. Adam holds a BSc (Business Information Technology, co-op scholarship) from the University of New South Wales, Sydney.

  • Moderator: Ysbrant Marcelis | Development Partner, Commerce Ventures

    Ysbrant has been an operating executive in the financial services and commerce industries for the past 15 years. His experience includes leading strategy and business development across four continents for Fortune 500 companies as well as start-ups.
    Prior to joining Commerce Ventures, Ysbrant led enterprise strategy and business development at Vantiv (now Worldpay). Prior to that, he served as SVP & Director of Global Digital Strategy at Citigroup, where he led initiatives focused on mobile strategy, global payments infrastructure, consumer digital, and cross-Citi digital governance. Ysbrant started his career with Booz & Company, where he advised financial services, telecom and media clients in the U.S., Europe and Middle East. Ysbrant was also a Co-Founder of OpenRevolution, which was created to leverage mobile to expand access to financial services across 25 countries and 5 continents.