Why Millennials and Gen Z Are More Into BNPL - And How Oja by Tendar Helps Merchants Keep Up

Millennials and Gen Z are reshaping how people shop, and Buy Now, Pay Later (BNPL) is leading the charge. These younger, digital-first consumers prefer payment flexibility, transparency, and convenience over traditional credit. Oja by Tendar is a BNPL platform that helps Nigerian merchants offer installment payments and grow their business in the process.

Here’s how Oja helps you boost sales and win customer loyalty:

Attract Younger, Price-Conscious Shoppers

BNPL is a game-changer for Millennials and Gen Z who want flexibility. With Oja, customers can buy what they need now and pay later. This opens the door to a wider audience that might otherwise skip the purchase.

Increase Average Order Value (AOV)

When customers know they can split payments, they’re more likely to buy more or upgrade to a higher-priced item. Oja makes it easy to upsell - leading to bigger baskets and more revenue per sale.

Reduce Cart Abandonment

Many online carts are left hanging because the upfront price feels too steep. BNPL helps ease that friction. With Oja customers can commit with confidence, which means more completed sales.

Build Long-Term Loyalty

Customers appreciate brands that meet them where they are financially. Offering BNPL not only boosts first-time purchases - it encourages repeat business by giving customers a stress-free payment experience.

Get Paid Upfront

Merchants using Oja don’t have to wait or chase payments. Oja handles the financing and risk, so you get paid while your customers enjoy flexible terms.

Stand Out with Smart Marketing

Offering BNPL gives you a competitive edge. Promote payment plans in your marketing to attract shoppers who are actively looking for easier, smarter ways to buy. In a world where convenience drives decisions, BNPL is no longer optional - it’s expected. With Oja by Tendar, you can meet the moment, grow your sales, and build lasting customer relationships.