Improve Shopping in Cyprus with BridgerPay & Humm

What we covered

In this Bridger Learn webinar, BridgerPay CEO Ran Cohen hosted PJ Byrne, Head of Commercial at Humm Group, for a deep dive into the buy now, pay later (BNPL) landscape. They discussed how Humm differentiates itself by focusing on longer-term, higher-ticket installment plans, from 5 fortnightly payments to up to 72 months, catering to verticals like healthcare, education, home improvement, and retail. Unlike many BNPL providers focused solely on small-ticket items, Humm offers flexible, customer-first payment structures designed to ensure affordability and reduce bad debt risk. PJ emphasized the importance of responsible lending and risk management, highlighting how Humm uses real-time credit checks, affordability analysis, and automated onboarding to deliver finance solutions with speed and compliance. He also discussed the benefits for merchants: increased conversion rates, 35 percent higher average cart value, instant settlements, and tailored product configurations per business needs. Humm's multi-country presence includes Ireland, the UK, Canada, Australia, and New Zealand.

The session also spotlighted the seamless integration between Humm and BridgerPay. Merchants can activate Humm directly via BridgerPay's dashboard with two lines of code or through plugins, offering customers a frictionless payment experience without redirects. PJ underlined Humm's adaptability, 24/7 support, and commitment to ethical lending, positioning Humm not just as a BNPL provider but as a comprehensive finance partner. As the industry matures and regulation tightens, both speakers emphasized the need for scalable, responsible solutions that put customers first while driving business growth.