Jonas Overgaard

CEO

Bio

Jonas Overgaard is the CEO and Founder of Anyday, a Danish fintech startup. Overgaard aims to disrupt the buy now, pay later (BNPL) market with a focus on fairness and transparency. His vision is to provide a financial product without compounding debt or hidden fees, making it more accessible and sustainable.

Jonas Overgaard is the CEO and Founder of Anyday, a Danish fintech startup. Overgaard aims…

Company:

Anyday.io

Location:

Aarhus, Central Denmark Region, Denmark

Description:

Anyday offers an interest-free, fee-free BNPL service that allows users to split payments into four installments without extra charges. Founded by Jonas Overgaard, Anyday serves over 2,000 webshops and physical businesses, aiming to redefine financial flexibility for consumers across the Nordic region

Anyday offers an interest-free, fee-free BNPL service that allows users to split payments into four…

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Conversation
Highlights

Welcome to another episode of Category Visionaries — the show that explores GTM stories from tech’s most innovative B2B founders. In today’s episode, we’re speaking with Jonas Overgaard, CEO & Founder of Anyday, a payment startup that has raised more than €4 Million in funding.

Here are the most interesting points from our conversation:

Anyday’s Unique BNPL Model: Anyday allows consumers to split payments into four equal installments, withdrawn at the end of the month when salaries are typically received.
Ethical Installment Plans: The company’s commitment to ethical lending includes rigorous credit checks and only approving about 50% of applications to avoid lending to those who can’t repay.
Merchant-Centric Approach: Merchants pay a premium transaction fee, ensuring the service remains free for consumers while increasing average order value and conversion rates for businesses.
Traction and Growth: Since launching in 2020, Anyday has onboarded around 2000 merchants in Denmark, with 500 retail stores offering in-store payment options, and 30,000 active shoppers.
Future Expansion: Anyday aims to expand beyond Denmark to other Nordic countries and eventually across Europe, with potential future interest in the UK and US markets.
Regulatory Compliance: Anyday proactively complies with upcoming regulations in Europe and the US, focusing on responsible lending practices.

Actionable
Takeaways

Optimize Payment Timing for Consumers:

Aligning payment withdrawals with consumers' pay schedules can reduce default rates and improve customer satisfaction.

Rigorous Credit Checks for Ethical Lending:

Conduct thorough credit checks and approve fewer applications to ensure lending only to those who can repay, building trust and reducing risk.

Merchant-Funded Consumer Benefits:

Charge merchants a premium fee to keep services free for consumers, which can enhance merchant relationships and boost sales.

Focus on Clear Value Propositions:

Highlight unique selling points, such as ethical lending practices and high credit limits, to differentiate from competitors.

Adapt to Regulatory Changes:

Stay ahead of regulatory developments to ensure compliance and position your company as a responsible leader in the industry.

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