In this special English episode, recorded during Money20/20, I sat down with Kristina Hunter-Nilsson, at Riverty - discussing the company's mission to provide human-centered financial services.

We also dive into the growing criticism of Buy Now, Pay Later (BNPL) services—a payment model often accused of encouraging impulsive spending and debt accumulation among vulnerable young users. As one of the key players in the BNPL space (alongside Klarna and others), Riverty shares how they are approaching regulation, transparency, and behavioral insights to reshape BNPL into a tool for financial empowerment rather than harm.

We explore:

• The psychology behind Buy Now, Pay Later (BNPL) and how it affects young people
• How financial stress, peer pressure, and TikTok culture shape our spending behavior
• The balance between growth and responsibility in a fintech company
• Why human-first design and emotional intelligence will define the next era of fintech
• A sneak peek into Riverty’s bold Fintech 2040 vision

Chapters:

00:00 Introduction to Riverty and Its Mission

02:07 Responsible Lending and Consumer Protection

04:43 Financial Education for Young Adults

10:55 Balancing Commercial Growth with Societal Responsibility

15:41 The Future of FinTech: Vision 2040

20:58 The Role of Traditional Banks in a FinTech World

23:33 Empathy in Financial Services and Final Thoughts