Developing a BNPL app in 2024 involves several key steps. Start by defining your target market and researching the regulatory requirements for BNPL services. Choose a reliable payment gateway and integrate flexible financing options, such as interest-free installments. Focus on developing a user-friendly interface with smooth onboarding, credit checks, and transaction history features. Incorporate robust security measures to protect user data. Finally, build a scalable backend and implement AI for personalized offers and risk management.