By Brian O’Connell Big changes are ahead for Buy Now Pay Later Buy now, pay later consumer models are taking the U.S. payments sector by storm. BNPL resonates with U.S. online shoppers, who make modest initial payments up front and pay the remaining balances on scheduled due dates — often smaller payments made over four months. Currently, stand-alone BNPL mobile apps like Klarna, Afterpay, and Affirm offer easy-to-use buy now, pay later services. U.S. consumers like these plans as they avoid big debt obligations, leaving more flexibility in household budgets. According to a May 2022 survey by…