币界网报道：FICO, the company behind the widely used FICO credit score, announced it will start incorporating buy now, pay later (BNPL) loan data into its credit scoring models by 2025. The move aims to provide lenders with a more comprehensive view of borrowers' financial behaviors, as BNPL services like Afterpay and Klarna have surged in popularity but currently operate outside traditional credit reporting systems. FICO's new scoring model will analyze BNPL repayment patterns to assess creditworthiness, potentially helping responsible users build credit while flagging risky borrowing habits. The update comes as regulators scrutinize BNPL's rapid growth and its impact on consumer debt. Industry analysts suggest this integration could benefit both lenders seeking better risk assessment and BNPL providers looking to legitimize their services within mainstream finance. However, some consumer advocates warn that improper BNPL usage might now negatively impact credit scores for the first time.