A recent move by the credit scoring analytics firm FICO to analyze consumer use of buy now, pay later services could temper the growth of the BNPL industry. FICO’s announcement last month that it will track buy now, pay later transactions and share that information with credit bureaus. FICO, which is based in Bozeman, Montana, analyzes large data sets such as credit card spending history, and then provides that information to credit reporting agencies such as Experian and TransUnion. Those agencies then use that data to generate individual credit scores. The data on BNPL is merely one aspect of consumer credit behavior tracked by FICO, said Crystal Kaldjob, a partner at the law firm Goodwin who works in the firm’s Fintech practice. “This will be part of a suite of products that FICO will sell to the credit bureaus,” she said in an interview with Payments Dive.