BNPL（Buy Now-Pay Later）：Frost Radar（2023年）

ここ数ヶ月、BNPL（Buy Now - Pay Later）業界は減速の兆しを見せており、規制当局は規制の厳しいクレジットカード業界に代わる存在の同業界への監視の目を光らせています。インフレ率の上昇と経済成長の鈍化により、消費者の購買力が低下し、その結果BNPL企業のマージンも減少しているため、2022年には投資家の投資意欲が低下することが予想されます。

当レポートでは、世界のBNPL（Buy Now - Pay Later）市場について調査分析し、業界における企業の市場ポジショニングや、各企業の強みと機会に基づいた競合プロファイルなどを提供しています。

目次

戦略的必須事項と成長環境

• 戦略的必須事項
• 成長環境

Frost Radar（TM）

• Frost Radar（TM）：BNPL
• Frost Radar（TM）：競合環境

主要企業

• ACI Worldwide
• Affirm
• Afterpay（acquired by Block）
• Apple
• Banco Santander
• Blender Financial
• Commonwealth Bank of Australia
• Curve
• Klarna
• Mastercard
• Openpay
• PayPal
• Revolut
• Sezzle
• Splitit
• Temenos
• Visa
• Zebit
• Zip

戦略的洞察

• 戦略的洞察

次のステップ：Frost Radar（TM）を活用して主要な利害関係者を支援

• Frost Radar（TM）に参加する意義
• Frost Radar（TM）がCEOの成長チームを支援
• Frost Radar（TM）が投資家を支援
• Frost Radar（TM）が顧客を支援
• Frost Radar（TM）が取締役会を支援

Frost Radar（TM）分析

• Frost Radar（TM）：将来の成長ポテンシャルのベンチマーク
• 免責事項

A Benchmarking System to Spark Companies to Action-Innovation that Fuels New Deal Flow and Growth Pipelines

Buy now, pay later (BNPL), also referred to as point of sale (PoS) installment loans, is a short-term financing option that enables consumers to spread out payments for purchases over a period of time. The increase in eCommerce activity during the COVID-19 pandemic brought along with it a strong interest in alternative spending options. BNPL, a subsegment of the digital payments sector, affords consumers the flexibility to shop and pay in interest-free installments at certain stores. The option has been of more interest to people in the 18-44 age group.

In recent months, the BNPL industry has shown signs of slowing and is attracting more scrutiny from regulators because of its position as an alternative to the highly regulated credit card industry. Rising inflation and slowed economic growth have decreased consumers' purchasing power and, consequently, BNPL company margins, causing investor appetite to decrease in 2022.

The Frost Radar™ reveals the market positioning of companies in an industry using their Growth and Innovation scores as highlighted in the Frost Radar™ methodology. The document presents competitive profiles on each of the companies in the Frost Radar™ based on their strengths, opportunities, and a small discussion on their positioning. Frost & Sullivan analyzes numerous companies in an industry and benchmarks them across 10 criteria on the Frost Radar™, where the leading companies in the industry are then positioned.

Table of Contents

Strategic Imperative and Growth Environment

• Strategic Imperative
• Strategic Imperative (continued)
• Strategic Imperative (continued)
• Growth Environment

Frost Radar™

• Frost Radar™: Buy Now, Pay Later
• Frost Radar™: Competitive Environment
• Frost Radar™: Competitive Environment (continued)

Companies to Action

• ACI Worldwide
• Affirm
• Afterpay (acquired by Block)
• Apple
• Banco Santander
• Blender Financial
• Commonwealth Bank of Australia
• Curve
• Klarna
• Mastercard
• Openpay
• PayPal
• Revolut
• Sezzle
• Splitit
• Temenos
• Visa
• Zebit
• Zip

Strategic Insights

• Strategic Insights

Next Steps: Leveraging the Frost Radar™ to Empower Key Stakeholders

• Significance of Being on the Frost Radar™
• Frost Radar™ Empowers the CEO's Growth Team
• Frost Radar™ Empowers Investors
• Frost Radar™ Empowers Customers
• Frost Radar™ Empowers the Board of Directors

Frost Radar™Analytics

• Frost Radar™: Benchmarking Future Growth Potential
• Frost Radar™: Benchmarking Future Growth Potential
• Legal Disclaimer