信用販売 (BNPL) - テーマ別分析

当レポートでは、急成長中の信用販売 (BNPL：Buy Now Pay Later) 市場について調査分析し、主要企業、動向・促進要因、ユーザーベースなどについて、体系的な情報を提供しています。

プレーヤー

動向

• 技術動向
• マクロ経済動向
• 人口統計動向
• 規制動向

産業分析

• 市場規模・成長率予測
• 北欧諸国とオーストララシアが、最も成熟したBNPL市場
• 今後3年間は、中東・アフリカを除くすべての市場で堅調
• コンシューマーによるBNPLの資金調達には、銀行・カードスキームへの混乱はほとんど見られない

消費者のユースケース

• 利便性
• 手数料無しの代金後払い
• 購買の保護
• 不正行為の軽減
• 購買力の増加

マーチャントのユースケース

• チェックアウトバスケットサイズの増加
• 顧客変換の改善/チェックアウト放棄の削減
• 広範なクライアントベース
• 資金への即時アクセス
• 不正・デフォルトのリスク

バリューチェーン

動向

• BNPLプレーヤーの敗者復活
• 世界経済の低迷
• 不正検出・抑止
• 小売クレジットの従来型プロバイダー、など

企業セクション

• 競合分析
• M&A
• 企業

補足データ

GlobalDataの銀行・決済調査

二次情報源

関連調査

付録：調査手法

This report discusses the disruptive potential of the BNPL sector on the payments industry. It identifies the leading companies that are driving growth in the space as well as the benefits BNPL provides to both merchants and consumers. The report also discusses the risks around BNPL loans and the future regulatory outlook.

Buy now pay later (BNPL) providers disrupt the lending sector by simplifying access to loans to consumers and reducing friction at payment points. The sector has been around for many years, but it has seen rapid growth recently as key players expanded into new regions. Long dominated by key BNPL providers such as Klarna, Clearpay, and Affirm, the sector is now being challenged by incumbent card networks and banks such as Visa, Mastercard, and Barclays. The sector has been able to grow so rapidly partly due to a lack of regulation. However, governing bodies are reviewing the sector and considering imposing rules to protect consumers from accumulating unmanageable debt.

Scope

• The global BNPL sector reached $160 billion in 2021.
• Millennials and Generation Z are the main demographics driving the adoption of BNPL.
• UK consumers paid $50.7 million in BNPL late fees in the UK in 2020, while one in 10 consumers dealt with debt collectors due to unpaid loans.
• In 2020, Klarna reached 87 million users, generated $1 billion in revenue, but reported a loss of $139 million.

Reasons to Buy

• Understand key technology, macroeconomic, and regulatory trends driving BNPL.
• Find out how BNPL challenges the payment card market.
• Find out how incumbent financial institutions are responding to BNPL.
• Identify the key players in the sector.

Table of Contents

Table of Contents

• Executive Summary
• Players
• Trends
• Technology trends
• Macroeconomic trends
• Regulatory trends
• Industry Analysis
• Regulation
• Mergers and Acquisitions
• Timeline
• Value Chain
• Companies
• Sector Scorecards
• Payments sector scorecard
• Ecommerce sector scorecard
• Glossary
• Secondary Sources
• Further Reading
• Our Thematic Research Methodology
• About GlobalData
• Contact Us