Apple Pay Later Explained

Understand what is BNPL and how Apple is aiming at revolutionising it

About the course

What’s behind Apple Pay Later? Following its announcement during the 2022 Worldwide Developers Conference, the industry started wondering the mechanism and economics behind this unique BNPL offering integrated in Apple Pay and Apple Wallet.

The ‘Buy now, Pay later’ technology is becoming more and more popular. And this short-term financing is provided by numerous companies such as Klarna (Sweden) and Affirm (USA) grasping the opportunities of this emerging business model. But how will it work in the case of Apple? Who pays the interest rates? What regulations need to be in place?

This course is here to guide you through the Apple Pay Later technology. In the course, you will learn the ins and outs of BNPL and how Apple is going to use it. You will also explore Apple’s unique positioning in financial services. From its 2014 launch of Apple Pay all the way to its latest launches, acquisitions, and publicly announced plans.

Difficulty: Foundation
Duration: 75mins

BNPL is a $100 billion global industry, with 3% of global market shares in domestic e-commerce payments worldwide.

Statista and CNBC

Learn directly from an expert in this field!

With this online course, you will:





Digital payments

Disruptive Tech

The expert you’ll be learning from

Dr. Efi Pylarinou

Global Influencer – Fintech & Disruptive Tech

Dr. Efi Pylarinou is the No.1 Global Woman Influencer in Finance & the Data conversation by Refinitiv 2019 & 2020. She is included in Onalytica`s 2021, Top 20 Fintech Influencers & in their Top 20 in ‘ Who`s Who in AI’ professional influencers.

In 2022, she was included in the Top 50 Digital Futurists list, Top Linkedin & Twitter Voice by Engatica.

A seasoned Wall Street professional & a recognised technology thought leader. Efi Pylarinou is a speaker, a moderator, and a creative content producer serving the needs of Big Tech companies, Financial services corporates, innovative, Growth Fintechs.

She strongly believes in building bridges between the old and the new economy. She has over 190,000+ followers on Linkedin and 18,000+ on Twitter. Join her on the social platforms

Start your learning with THINK

Buy the individual course, or start your membership on THINK to access +200 courses on-demand.

Apple Pay Later Explained

Access the course individually.
£ 29

per course
  • Access to individual course
  • Digital badge of completion
  • Access to exclusive CFTE events
  • Access to CFTE's alumni communities
Monthly Membership
£ 49

/ month
  • Access to all THINK short courses
  • Continuously updated catalogue
  • Digital badges of completion
  • Access to exclusive CFTE events
  • Access to CFTE's alumni communities
  • Cancel any time
  • Access to all THINK short courses
  • Digital badges of completion
  • Continuously updated catalogue
  • Cancel any time

Why learn with THINK?

Fintech Speciality

There is no better place to learn all-thing Fintech.

Global View

Our courses offers a 360 view on the topic, focused on what matters.


Our courses are curated by 300+ finance experts who know what skills you must learn.

Latest THINK Courses


CFTE’s brand new online learning platform! THINK produces and delivers dozens of bite-sized courses which will allow you to get a good understanding and be constantly updated about everything concerning Fintech!

Disruptive technologies and innovations don’t come on their own. They bring significant transformations and challenges both in terms of culture, people, jobs, environment and governance. Therefore we believe these topics can’t be separated from one another. 

The courses offered on THINK have slightly different approaches to the topics. You’ll find evergreen foundational-level courses which will help you get a good understanding without any prior knowledge, but you’ll also find courses that explore the players in the respective ecosystems, courses that explore the regulations of a certain field and even courses that dive deep into specific companies’ way of operating!

THINK is meant for all those professionals who want to be kept up to date with the latest developments in these fields, but don’t necessarily have the time to go through countless articles or newspapers.

Technology is deeply transforming the way financial institutions do business and manage operations. Understanding these shifts will allow you to benefit from them, and not miss out on any potential opportunities for you and your organisation.

Users and customers nowadays are more aware than ever about the environmental and social impact of their choices, as a consequence companies are putting more attention on these topics even at the cost of reduced financial performances.

Digital Assets, Blockchain, Decentralisation and Web3 are still in a very early stage. They may reshape and revolutionise our current business models, therefore we believe it’s worth  paying special attention to the innovations they bring to the table.

Understanding how technology works, its potential and its limitations is essential to properly embrace it and leverage it. Even non-technical professionals need to get a comprehensive understanding of these tools, as they will have an increasingly important role in our lives.