Citi analyst Bryan Keane reiterates Buy ratings on Affirm (AFRM), Klarna (KLAR) and Block (XYZ), saying it is bullish on buy now pay later in 2026. The firm believes BNPL is an “increasingly embedded payment and budgeting tool” across both online and offline commerce. It sees the sector positioned for “material” share gains, driving 20% volume growth in 2026 and beyond.
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