According to Lex Sokolin (@LexSokolin), Buy Now Pay Later (BNPL) companies function more as data-driven entities than traditional fintech firms, using every purchase, default, and repayment as training data to enhance large-scale risk assessment capabilities (Source: Twitter, May 27, 2025). This emphasis on data analytics could accelerate AI-driven credit models and impact the crypto market by influencing decentralized lending protocols and risk management strategies, as more fintech and DeFi platforms adopt similar data-centric approaches.