"Neo has also expanded beyond just offering personalized loyalty card programs and into launching co-branded card programs, 'buy now, pay later' options (BNPL), point of sale installment financing and subscription-based loyalty services for both online and brick and mortar retailers."

https://techcrunch.com/2022/05/05/canadas-neo-financial-closes-on-145m-series-c-surpasses-1-million-in-customers/