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消費者信用の世界市場 - 市場規模、シェア、動向、予測：信用タイプ別、サービスタイプ別、発行者別、支払方法別、地域別、2025年～2033年

Consumer Credit Market Report by Credit Type, Service Type, Issuer, Payment Method, and Region 2025-2033

出版日
発行
IMARC
ページ情報
英文 148 Pages
納期
2～3営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=149.47円
消費者信用の世界市場 - 市場規模、シェア、動向、予測：信用タイプ別、サービスタイプ別、発行者別、支払方法別、地域別、2025年～2033年
出版日: 2025年08月01日
発行: IMARC
ページ情報: 英文 148 Pages
納期: 2～3営業日
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  • 全表示
  • 概要
  • 図表
  • 目次
概要

消費者信用の世界市場規模は、2024年に120億米ドルとなりました。今後、IMARC Groupは、2033年には170億米ドルに達し、2025年から2033年にかけて3.9%のCAGRを示すと予測しています。現在、北米が市場を独占しており、2024年の市場シェアは35％を超えます。消費者の経済状況の改善、新興諸国における零細・中小企業の増加、財務管理サービスの普及拡大などが、市場成長を後押しする主な要因となっています。

世界の消費者信用市場の成長は、経済成長、都市化、金融サービスのデジタル化によって刺激されています。新興市場における中流階級の人口拡大は、より高い生活水準を支えるクレジット商品への需要を促進します。人工知能（AI）主導の信用スコアリングやシームレスなデジタルプラットフォームといった金融テクノロジーの革新は、アクセシビリティを向上させ、十分なサービスを受けていない人々の正式な信用システムへの参加を可能にしています。世界のeコマースの拡大に伴い、BNPL（Buy Now, Pay Later）サービスも採用され、クレジットの提供形態がさらに多様化しました。例えば、2024年11月、VisaのFlexible Credentialがアファームカードとともに発売され、利用者はデビットカードやBuy Now, Pay Laterなどの支払い方法をシームレスに選択できるようになり、支払いの柔軟性が高まりました。一方、政府や金融機関は金融包摂のコンセプトを重視し、農村部や遠隔地でのクレジットアクセスを拡大する政策を打ち出しています。クレジットソリューションも、モバイルバンキングやデジタル決済システムを通じて消費者の生活に溶け込むようになっており、市場は急成長しています。さらに、カスタマイズされた金融商品に対する消費者の嗜好の変化により、クレジットプロバイダーは高度なデータ分析に裏打ちされたオーダーメイドのソリューションを提供するようになっています。このような流動性が地域競争を生み、イノベーションを持続させ、世界市場での着実な成長を後押ししています。

米国の消費者信用市場の成長は、クレジットカードの高い利用率、堅調な経済活動、そして高い消費者信頼感によって支えられています。デジタル手段によるバンキングやフィンテックの革新が信用へのアクセスを容易にし、BNPLサービスや個人ローンの需要が高まっています。例えば、2024年12月、著名な投資家の支援を受けたハイパーカードは、American Expressのネットワーク上で初の消費者信用カードを発行し、従業員福利厚生と旅行、ライフスタイル、ウェルネスの特典を組み合わせた。さらに、住宅ローン金利の低下とホームエクイティローンが市場拡大の機会を生み出しているため、住宅市場が大きく貢献しています。ミレニアル世代やZ世代などの若年層は、教育、旅行、ライフスタイルの機会を追求するため、より柔軟な形態のクレジットを求めています。エンベディッドファイナンスは、小売業やオンラインプラットフォームが消費者取引にクレジットをシームレスに組み込み、クレジットの利用を可能にします。規制は、より高い透明性と消費者保護を提供することで、クレジット市場へのアクセシビリティと消費者の信頼を促進します。金融リテラシープログラムへの注目の高まりは、消費者が十分な情報を得た上で意思決定を行えるようにするものであり、米国のクレジットセクターの持続的成長を後押ししています。

消費者信用市場動向：

消費者信用におけるデジタル化

銀行・金融サービス・保険（BFSI）セクターにおけるデジタル化の急速な導入により、融資の状況は長年にわたって大きな変貌を遂げてきました。さらに、銀行・金融サービスのデジタル化がもたらす数々の利点に後押しされ、消費者の期待や行動が進化していることも、市場の成長を後押ししています。多様な背景を持つ顧客は、個人ローン、中小企業向け融資、住宅ローンなど、さまざまな目的で融資を求める可能性があります。Razorpayの委託を受けたIDCの調査によると、中小企業は平均して年間約816時間、₹3万2,000米ドルを銀行業務に費やしています。これに加えて、政府の好意的な政策の実施も、デジタル行動の増加を後押ししています。例えば、2023年1月、インド準備銀行は、オンラインプラットフォームやモバイルアプリを通じたデジタル与信に関する作業部会の設置を宣言しました。この委員会は、具体的な規制措置を提案します。この動きは、恵まれない顧客にあらゆる種類のデジタル・ローンを提供する、その場しのぎの融資アプリを規制しようとする中央銀行の最新の試みです。さらに、人工知能、機械学習、クラウドコンピューティングを含む次世代技術と銀行プラットフォームの統合は、銀行とフィンテックに恩恵をもたらし、消費者信用市場シェアをさらに押し上げています。こうしたデータや情報は、個々の与信案件の管理、マルチアセットポートフォリオのリアルタイムのプライシングや資本管理、一貫性、自動化、透明性を通じた会社全体のリスクの最小化に役立っています。

零細・中小企業の成長

特に新興国市場における零細企業の高い経済成長も、市場開拓を後押ししています。銀行やその他の金融機関は、地元ベンダーとの信用格差を最小化するため、零細・中小企業（MSME）に投資しています。零細企業は、在庫の購入や設備のアップグレードなど、経営上の経費を賄うために信用を必要とすることが多いです。さらに、与信を利用することで、事業を拡大し、季節変動に対応し、成長機会をつかむことができます。その結果、零細企業の拡大は消費者信用市場の見通しにプラスの影響を与えています。MSMEはインドの全産業において1億2,000万人の雇用を創出しました。このため、零細・小規模企業は経済にとって非常に重要であり、インドのGDPの約33%を占めています。一方、中堅企業はMSMEの1％に過ぎず、零細企業の4.5％、MSMEの90％以上を占めています。このような観点から、新興企業の動向もまた、市場の好感度を高めています。インドは新興企業の急成長を経験しています。商工省の発表によると、最初の1万社が808日で認可されたのに対し、最近の約1万社の新興企業は156日で認可されました。インドのTier-2およびTier-3都市は、新興企業の49％に寄与していると報告されています。同様に、米国国勢調査局の「企業規模に関する統計（小規模企業を含む）」と「非雇用者統計」によると、米国企業の約92％は零細企業です。

消費者信用代理店によるソーシャルメディアプラットフォーム利用の増加

消費者信用代理店によるソーシャルメディアプラットフォームの利用が増加し、より良い市場接続と浸透が消費者信用市場の需要を刺激しています。さらに、ソーシャルメディアは、銀行が既存顧客や潜在顧客とつながり、タッチポイントを増やし、信頼を築き、品質やセキュリティに妥協することなく価値を提供することを可能にします。様々な老舗銀行が、ソーシャルメディア上でオンラインプレゼンスを確立し、消費者にクレジット消費者向けサービスやメリットを知ってもらうための投資をますます増やしています。例えば、2017年7月、韓国で新しいモバイル専用銀行kakaobankが開設されました。24時間以内に30万人以上の加入者を集めました。15日後には加入者が200万人を突破し、貯蓄額は1兆Wドル（約9億3,000万米ドル）、融資額は7,700億Wドル（約7億100万米ドル）に達しました。現在、人口5,000万人強（経済活動人口は2,500万人）のこの国で、1,000万人の顧客を持つに至っています。同様に、Bank of America, Citibank, Varo, Current, Chaseなど多数の米国銀行もInstagramに参加しており、多くのフォロワーと優れたエンゲージメント率を誇っています。このような取り組みが、今後数年間の消費者信用市場の収益を促進すると予想されます。

目次

第1章 序文

第2章 調査範囲と調査手法

  • 調査の目的
  • ステークホルダー
  • データソース
    • 一次情報
    • 二次情報
  • 市場推定
    • ボトムアップアプローチ
    • トップダウンアプローチ
  • 調査手法

第3章 エグゼクティブサマリー

第4章 イントロダクション

第5章 世界の消費者信用市場

  • 市場概要
  • 市場実績
  • COVID-19の影響
  • 市場予測

第6章 市場内訳：信用タイプ別

  • リボルビング式
  • 非リボルビング式

第7章 市場内訳：サービスタイプ別

  • クレジットサービス
  • ソフトウェア・ITサポートサービス

第8章 市場内訳：発行者別

  • 銀行・金融会社
  • 信用組合
  • その他

第9章 市場内訳：支払方法別

  • 口座振込
  • デビットカード
  • その他

第10章 市場内訳：地域別

  • 北米
    • 米国
    • カナダ
  • アジア太平洋地域
    • 中国
    • 日本
    • インド
    • 韓国
    • オーストラリア
    • インドネシア
    • その他
  • 欧州
    • ドイツ
    • フランス
    • 英国
    • イタリア
    • スペイン
    • ロシア
    • その他
  • ラテンアメリカ
    • ブラジル
    • メキシコ
    • その他
  • 中東・アフリカ

第11章 SWOT分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析

第14章 競合情勢

  • 市場構造
  • 主要企業
  • 主要企業のプロファイル
    • Bank of America
    • Barclays
    • BNP Paribas
    • China Construction Bank
    • Citigroup
    • Deutsche Bank
    • HSBC
    • Industrial and Commercial Bank of China（ICBC）
    • JPMorgan Chase
    • Mitsubishi UFJ Financial
    • Wells Fargo
図表

List of Figures

  • Figure 1: Global: Consumer Credit Market: Major Drivers and Challenges
  • Figure 2: Global: Consumer Credit Market: Sales Value (in Billion USD), 2019-2024
  • Figure 3: Global: Consumer Credit Market: Breakup by Credit Type (in %), 2024
  • Figure 4: Global: Consumer Credit Market: Breakup by Service Type (in %), 2024
  • Figure 5: Global: Consumer Credit Market: Breakup by Issuer (in %), 2024
  • Figure 6: Global: Consumer Credit Market: Breakup by Payment Method (in %), 2024
  • Figure 7: Global: Consumer Credit Market: Breakup by Region (in %), 2024
  • Figure 8: Global: Consumer Credit Market Forecast: Sales Value (in Billion USD), 2025-2033
  • Figure 9: Global: Consumer Credit (Revolving Credits) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 10: Global: Consumer Credit (Revolving Credits) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 11: Global: Consumer Credit (Non-revolving Credits) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 12: Global: Consumer Credit (Non-revolving Credits) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 13: Global: Consumer Credit (Credit Services) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 14: Global: Consumer Credit (Credit Services) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 15: Global: Consumer Credit (Software and IT Support Services) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 16: Global: Consumer Credit (Software and IT Support Services) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 17: Global: Consumer Credit (Banks and Finance Companies) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 18: Global: Consumer Credit (Banks and Finance Companies) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 19: Global: Consumer Credit (Credit Unions) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 20: Global: Consumer Credit (Credit Unions) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 21: Global: Consumer Credit (Others) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 22: Global: Consumer Credit (Others) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 23: Global: Consumer Credit (Direct Deposit) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 24: Global: Consumer Credit (Direct Deposit) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 25: Global: Consumer Credit (Debit Card) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 26: Global: Consumer Credit (Debit Card) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 27: Global: Consumer Credit (Others) Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 28: Global: Consumer Credit (Others) Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 29: North America: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 30: North America: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 31: United States: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 32: United States: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 33: Canada: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 34: Canada: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 35: Asia Pacific: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 36: Asia Pacific: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 37: China: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 38: China: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 39: Japan: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 40: Japan: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 41: India: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 42: India: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 43: South Korea: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 44: South Korea: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 45: Australia: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 46: Australia: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 47: Indonesia: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 48: Indonesia: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 49: Others: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 50: Others: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 51: Europe: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 52: Europe: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 53: Germany: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 54: Germany: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 55: France: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 56: France: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 57: United Kingdom: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 58: United Kingdom: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 59: Italy: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 60: Italy: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 61: Spain: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 62: Spain: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 63: Russia: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 64: Russia: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 65: Others: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 66: Others: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 67: Latin America: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 68: Latin America: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 69: Brazil: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 70: Brazil: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 71: Mexico: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 72: Mexico: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 73: Others: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 74: Others: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 75: Middle East and Africa: Consumer Credit Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 76: Middle East and Africa: Consumer Credit Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 77: Global: Consumer Credit Industry: SWOT Analysis
  • Figure 78: Global: Consumer Credit Industry: Value Chain Analysis
  • Figure 79: Global: Consumer Credit Industry: Porter's Five Forces Analysis

List of Tables

  • Table 1: Global: Consumer Credit Market: Key Industry Highlights, 2024 and 2033
  • Table 2: Global: Consumer Credit Market Forecast: Breakup by Credit Type (in Million USD), 2025-2033
  • Table 3: Global: Consumer Credit Market Forecast: Breakup by Service Type (in Million USD), 2025-2033
  • Table 4: Global: Consumer Credit Market Forecast: Breakup by Issuer (in Million USD), 2025-2033
  • Table 5: Global: Consumer Credit Market Forecast: Breakup by Payment Method (in Million USD), 2025-2033
  • Table 6: Global: Consumer Credit Market Forecast: Breakup by Region (in Million USD), 2025-2033
  • Table 7: Global: Consumer Credit Market Structure
  • Table 8: Global: Consumer Credit Market: Key Players
目次
Product Code: SR112025A2291

The global consumer credit market size was valued at USD 12.0 Billion in 2024. Looking forward, IMARC Group estimates the market to reach USD 17.0 Billion by 2033, exhibiting a CAGR of 3.9% from 2025-2033. North America currently dominates the market, holding a market share of over 35% in 2024. Improving economic conditions of consumers, rising number of micro, small and medium enterprises in the developing countries, and expanding prevalence of financial management services, are some of the key factors propelling the market growth.

The growth of the global consumer credit market is stimulated by economic growth, urbanization, and the digital transformation of financial services. Expanding middle-class populations in emerging markets drive demand for credit products that will help support higher standards of living. Innovations in financial technology, such as artificial intelligence (AI)-driven credit scoring and seamless digital platforms, have enhanced accessibility and enabled underserved populations to participate in formal credit systems. With growing global e-commerce, buy now, pay later (BNPL) services have also been adopted and further diversified the offerings of credit. For example, in November 2024, Visa's Flexible Credential launched with the Affirm Card, allowing users to seamlessly choose payment methods, including debit and Buy Now, Pay Later, enhancing payment flexibility. Meanwhile, the governments and financial institutions emphasize the concept of financial inclusion, making policies to provide more access to credit in the rural and remote areas. Credit solutions are also increasingly integrated into consumers' lives through mobile banking and digital payment systems, and the market grows rapidly. Moreover, changing consumer tastes toward customized financial products have prompted credit providers to offer bespoke solutions that are backed up by advanced data analytics. This fluidity creates regional competition and sustains innovation, propelling steady growth within the global markets.

In the United States, growth of consumer credit markets is supported through high usage of credit cards, strong economic activity, and strong consumer confidence. The adoption of banking via digital means and fintech innovations has made credit access easier, making BNPL services and personal loans much in demand. For instance, in December 2024, Hypercard, backed by notable investors, launched its first consumer credit card on the American Express network, combining employee benefits with exclusive travel, lifestyle, and wellness rewards. Moreover, the housing market contributes significantly as low mortgage rates and home equity loans create an opportunity in market expansion. Younger demographics, such as millennials and Gen Z, are seeking more flexible forms of credit to pursue education, travel, and lifestyle opportunities. Embedded finance helps retail and online platforms seamlessly incorporate credit into consumer transactions while enabling credit usage. Regulations promote credit market accessibility and consumer trust by providing greater transparency and consumer protection. The increasing focus on financial literacy programs continues to empower consumers to make informed decisions, thus driving sustained growth in the US credit sector.

Consumer Credit Market Trends:

Digitalization in Consumer Credit

The lending landscape has undergone significant transformation over the years, driven by the rapid adoption of digitization in the banking, financial services, and insurance (BFSI) sector. Additionally, evolving consumer expectations and behavior, driven by the numerous advantages of digitizing banking and financial services, are also fueling market growth. Customers from diverse backgrounds may seek loans for various purposes, including personal loans, SME financing, home loans, and more. A study by IDC, commissioned by Razorpay, reveals that, on average, SMEs spend approximately 816 hours and ₹32 lakh annually on banking. Besides this, the implementation of favorable government policies is also augmenting the increase in digital behavior. For instance, in January 2023, the Reserve Bank of India declared the constitution of a working group on digital credit through online platforms and mobile apps. This committee will provide the specific regulatory measures for suggestion. The move marks the latest of the central bank's attempts to regulate fly-by-night lending apps that are offering all kinds of digital loans to underprivileged customers. Additionally, the integration of next-generation technologies, including Artificial Intelligence, Machine Learning, and Cloud Computing with banking platforms is benefiting banks and fintech, which is further propelling the consumer credit market share. This data and information aids in managing individual credit cases, real-time pricing and capital management of multi-asset portfolios and minimizing firm-wide risks through consistency, automation, and transparency.

Growth of Micro, Small, and Medium Enterprises

High economic growth for micro-enterprises, especially in developing nations, is also providing a boost to the market growth. Banks and other financial institutions are investing in micro, small, and medium enterprises (MSMEs) to minimize the credit gap with local vendors. Microbusinesses often require credit to cover operational expenses, such as inventory purchases or equipment upgrades. Additionally, access to credit enables them to expand their business, manage seasonal fluctuations, and seize growth opportunities. Consequently, the expanding number of micro-enterprises is positively impacting the consumer credit market outlook. MSMEs generated 120 Million jobs across all industries in India. Due to this, micro and small enterprises are highly important for the economy and account around 33% for India's GDP. On the other hand, medium-sized enterprises are comprised only of 1% of MSMEs in contrast to 4.5% to micro firms and over 90% of MSMEs. With this view, the rising trends of startups are also enhancing a positive market view. India has experienced rapid growth in startups. As per the Ministry of Commerce and Industry, recent startups of approximately 10,000 were sanctioned in 156 days in opposition to the initial 10,000, which got sanctioned in 808 days. Tier-2 and Tier-3 cities in India are reported to contribute to 49% of the startups. Similarly, according to the US Census Bureau's "Statistics about Business Size (Including Small Business)" and the US Census Bureau's "Nonemployer Statistics, approximately 92% of US businesses are microbusinesses.

Increasing Use of Social Media Platforms by Consumer Credit Agencies

The increasing utilization of social media platforms by consumer credit agencies for better market connectivity and penetration is catalyzing the consumer credit market demand. Moreover, social media allows banks to connect with their existing or potential customers, increase touchpoints, build trust, and offer value without compromising on quality and security. Various well-established banks are increasingly investing in creating their online presence on social media and making consumers aware of their credit consumer services and benefits. For example, in July 2017, a new mobile-only bank, kakaobank, was opened in Korea. Within 24 hours, this attracted more than 300,000 subscribers. After fifteen days, it crossed two Million subscribers, with a savings of W1 Trillion (USD 930 Million) and lending worth W770 Billion (USD 701 Million). Today, it is well on the way to having 10 Million customers, in a country of just over 50 Million people (economically active population is 25 Million). Similarly, numerous US banks, including Bank of America, Citibank, Varo, Current, and Chase, are also present on Instagram, with a massive following and excellent engagement rate. Such initiatives are anticipated to propel the consumer credit market revenue in the coming years.

Consumer Credit Industry Segmentation:

Analysis by Credit Type:

  • Revolving Credits
  • Non-revolving Credits

Non-revolving credits stand as the largest component in 2024, this refers to a type of loan in which the borrower receives a fixed amount of money upfront, usually for a specific purpose, and repays it in fixed installments over an agreed-upon period. Unlike revolving credit, such as credit cards, where the available credit replenishes as payments are made, non-revolving credit does not replenish once it's paid off. Examples include installment loans for cars, education, or home improvements. Consumer credit market statistics indicate that the increasing number of auto and education loans is primarily driving the growth of this segment. For instance, according to the Reserve Bank of India, vehicle loans from banks have witnessed an impressive 137% increase over the past three years, reaching Rs 5.08 lakh crore. Similarly, on average, Americans took out USD 55.0 Billion in new auto loans each month in the fourth quarter of 2023. Such a massive inclination towards owning a vehicle and opting for higher education is anticipated to propel the consumer credit market recent price in the coming years.

Analysis by Service Type:

  • Credit Services
  • Software and IT Support Services

Credit services, which encompass providing loans, various forms of credit, and credit-related information to individuals and businesses, led the market in 2024. The increasing number of people seeking loans to complete their education, own a vehicle, buy/renovate a house, etc., catalyzing the growth of this segment. For instance, in 2020, an estimated 9.43 Million people in Great Britain had a loan. Similarly, 58% of American adults (18-29 years) have student loan debt. Moreover, according to a survey by Saral Credit, a fintech platform, 67% of Indians rely on personal loans for funding needs.

Analysis by Issuer:

  • Banks and Finance Companies
  • Credit Unions
  • Others

Banks and finance companies leads the market in 2024 as these are institutions that provide financial services, such as lending, borrowing, and investing. They offer benefits like secure storage of money, access to credit for personal and business needs, and opportunities for wealth growth through various investment vehicles. Additionally, they facilitate transactions, both domestically and internationally, fostering economic activity.

Analysis by Payment Method:

  • Direct Deposit
  • Debit Card
  • Others

Debit card leads the market with around 60.0% of market share in 2024. One can easily pay EMIs with debit cards with low-interest rates. Various banks are offering EMI services on debit cards, either with no-cost EMI options for a shorter duration or with minimal interest rates if the loan is borrowed for a longer duration. For instance, HDFC bank, one of India's leading private banks, offers EASYEMI, in which a customer can shop in full and pay in parts by converting transactions into easy installments. It can be used for purchases made both online and in physical stores. Moreover, the debit card maintenance charge is quite low compared to credit cards.

Regional Analysis:

  • North America
    • United States
    • Canada
  • Asia Pacific
    • China
    • Japan
    • India
    • South Korea
    • Australia
    • Indonesia
    • Others
  • Europe
    • Germany
    • France
    • United Kingdom
    • Italy
    • Spain
    • Russia
    • Others
  • Latin America
    • Brazil
    • Mexico
    • Others
  • Middle East and Africa

In 2024, North America accounted for the largest market share of over 35%. The growth of the region can be attributed to the rise in the adoption of consumer credit in small & medium enterprises to ensure an effective flow of financial activities. Moreover, as per the consumer credit market overview, the increasing number of individuals opting for loans for personal use in North America is significantly high. For example, the total loans in the United States reached USD 12,305.379 billion as of March 2024. Additionally, the presence of well-established banks in the region, such as Citi Bank, Bank of America, Goldman Sachs, Morgan Stanley, etc., is also creating a positive outlook for the market. Additionally, these banks are increasingly investing in expansion and increasing their customer base. For instance, in January 2024, Citigroup announced its plans to deepen its involvement in China's financial markets with the launch of an investment banking unit in the country.

Key Regional Takeaways:

United States Consumer Credit Market Analysis

The growing adoption of consumer credit in the United States has been significantly influenced by the increasing use of social media platforms. According to reports, the number of social media users in the US is expected to grow from 2020 through 2025, reaching a total growth of 14.3% and at an average annual growth rate of 2.7%. As social media becomes a growing tool of communication and marketing, there is consequently an influence on a more connected and informed consumer market.Through online interactions and targeted advertising, individuals are becoming more aware of various credit options available to them. Platforms that facilitate peer-to-peer recommendations, influencer endorsements, and promotional campaigns contribute to the rising interest in credit products. The accessibility of financial products through social media channels allows consumers to make more informed choices, often leading to higher adoption rates of consumer credit. Furthermore, discussions on these platforms have led to the creation of credit-conscious communities that encourage more individuals to explore credit options they may have otherwise been unaware of.

Asia Pacific Consumer Credit Market Analysis

In the Asia-Pacific region, the expansion of small and medium-sized enterprises (SMEs) has led to an increase in consumer credit adoption. According to India Brand Equity Foundation, the number of MSMEs in the country is estimated to increase from 6.3 crore to around 7.5 crore at a CAGR of 2.5%. As these businesses expand, the need for credit that flows freely manifests. Entrepreneurs and small business owners require financial products to scale their operations, and they, in turn, create opportunities for the general public to access credit through their growing networks. As SMEs establish themselves and contribute to economic development, their employees and associated customers also gain better access to credit, fostering an environment where financial products are increasingly utilized. With rising economic activity and demand for consumer goods, access to credit becomes integral in supporting this growth trajectory, ultimately boosting the adoption of consumer credit within the region.

Europe Consumer Credit Market Analysis

In Europe, the expansion of the banking sector, along with the increasing number of available banking facilities, has played a crucial role in the growing adoption of consumer credit. According to reports, in 2021, the EU had 784 foreign bank branches, which were 619 from other EU Member States and 165 from third countries. More banks are offering tailored credit products to meet diverse consumer needs, making credit products more accessible to a wider audience. This growth in banking facilities encourages financial inclusivity and enhances customer access to various lending options. As more financial institutions adopt digital banking models, consumers can easily apply for and receive credit, which in turn fosters higher consumer confidence in utilizing credit. The integration of advanced technologies such as mobile banking and online loan applications further facilitates the growth of consumer credit. With these developments, the adoption of consumer credit has become more commonplace in many European countries.

Latin America Consumer Credit Market Analysis

In Latin America, the growing disposable income of consumers has been a key factor in the increased adoption of consumer credit. For example, total disposable income in Latin America is going to accelerate by almost 60% in real terms over the period 2021-2040. When people enjoy better conditions for household budgets and savings, it is easier for them to obtain credit for big-ticket purchases or financing personal projects.The rise in disposable income has expanded consumer spending power, making it easier for consumers to manage credit repayments. As more people enjoy higher income levels, the demand for consumer credit rises, supporting a more dynamic consumer credit market. This shift in financial capabilities has resulted in more individuals turning to credit products to improve their standard of living and to take advantage of financial opportunities that were previously out of reach.

Middle East and Africa Consumer Credit Market Analysis

The Middle East and Africa have seen a notable increase in the adoption of consumer credit driven by significant investment in software and IT support services. For example, spending on information and communications technology (ICT) as a whole for the Middle East, Turkiye, and Africa will reach USD 238 Billion this year, a boost of 4.5% over 2023. As digitization and the pursuit of innovation become increasingly prominent in the global environment, it becomes easier for the consumer to avail credit through IT expansion. The availability of secure online platforms for credit applications, coupled with better customer service through IT support, has made lending easier. Moreover, these technological advancements have helped establish trust between consumers and financial institutions, promoting the use of credit. As more investments flow into these sectors, the accessibility and efficiency of consumer credit products continue to improve, fostering wider adoption among consumers across the region.

Competitive Landscape:

The credit services market was highly competitive due to technology advancements, shifting customer preferences, and regulatory changes. The primary differentiator here was digital transformation, wherein the providers made use of AI and machine learning for better credit scoring, fraud detection, and more personalized offerings. Fintech platforms gained the upper hand as they provided an easier interface and quicker loan approval to the tech-savvy customers. Traditional players continued to expand their digital footprint in an effort not to lose market share and meet consumer expectations of seamless experiences. Embedded finance helped credit integrate into non-financial platforms, making it more accessible and convenient. Innovative credit products, including buy now, pay later (BNPL) services and flexible repayments, appealed more to younger demographics. Sustainability has become a factor as providers look to become ESG compliant with lending and related practices. Amidst economic uncertainties, maintaining profitability and a customer trust in such an environment required the development of sound risk management strategies and strong credit evaluation processes.

The report provides a comprehensive analysis of the competitive landscape in the consumer credit market with detailed profiles of all major companies, including:

  • Bank of America
  • Barclays
  • BNP Paribas
  • China Construction Bank
  • Citigroup
  • Deutsche Bank
  • HSBC
  • Industrial and Commercial Bank of China (ICBC)
  • JPMorgan Chase
  • Mitsubishi UFJ Financial
  • Wells Fargo

Key Questions Answered in This Report

  • 1.How big is the consumer credit market?
  • 2.What is the future outlook of consumer credit market?
  • 3.What are the key factors driving the consumer credit market?
  • 4.Which region accounts for the largest consumer credit market share?
  • 5.Which are the leading companies in the global consumer credit market?

Table of Contents

1 Preface

2 Scope and Methodology

  • 2.1 Objectives of the Study
  • 2.2 Stakeholders
  • 2.3 Data Sources
    • 2.3.1 Primary Sources
    • 2.3.2 Secondary Sources
  • 2.4 Market Estimation
    • 2.4.1 Bottom-Up Approach
    • 2.4.2 Top-Down Approach
  • 2.5 Forecasting Methodology

3 Executive Summary

4 Introduction

  • 4.1 Overview
  • 4.2 Key Industry Trends

5 Global Consumer Credit Market

  • 5.1 Market Overview
  • 5.2 Market Performance
  • 5.3 Impact of COVID-19
  • 5.4 Market Forecast

6 Market Breakup by Credit Type

  • 6.1 Revolving Credits
    • 6.1.1 Market Trends
    • 6.1.2 Market Forecast
  • 6.2 Non-revolving Credits
    • 6.2.1 Market Trends
    • 6.2.2 Market Forecast

7 Market Breakup by Service Type

  • 7.1 Credit Services
    • 7.1.1 Market Trends
    • 7.1.2 Market Forecast
  • 7.2 Software and IT Support Services
    • 7.2.1 Market Trends
    • 7.2.2 Market Forecast

8 Market Breakup by Issuer

  • 8.1 Banks and Finance Companies
    • 8.1.1 Market Trends
    • 8.1.2 Market Forecast
  • 8.2 Credit Unions
    • 8.2.1 Market Trends
    • 8.2.2 Market Forecast
  • 8.3 Others
    • 8.3.1 Market Trends
    • 8.3.2 Market Forecast

9 Market Breakup by Payment Method

  • 9.1 Direct Deposit
    • 9.1.1 Market Trends
    • 9.1.2 Market Forecast
  • 9.2 Debit Card
    • 9.2.1 Market Trends
    • 9.2.2 Market Forecast
  • 9.3 Others
    • 9.3.1 Market Trends
    • 9.3.2 Market Forecast

10 Market Breakup by Region

  • 10.1 North America
    • 10.1.1 United States
      • 10.1.1.1 Market Trends
      • 10.1.1.2 Market Forecast
    • 10.1.2 Canada
      • 10.1.2.1 Market Trends
      • 10.1.2.2 Market Forecast
  • 10.2 Asia Pacific
    • 10.2.1 China
      • 10.2.1.1 Market Trends
      • 10.2.1.2 Market Forecast
    • 10.2.2 Japan
      • 10.2.2.1 Market Trends
      • 10.2.2.2 Market Forecast
    • 10.2.3 India
      • 10.2.3.1 Market Trends
      • 10.2.3.2 Market Forecast
    • 10.2.4 South Korea
      • 10.2.4.1 Market Trends
      • 10.2.4.2 Market Forecast
    • 10.2.5 Australia
      • 10.2.5.1 Market Trends
      • 10.2.5.2 Market Forecast
    • 10.2.6 Indonesia
      • 10.2.6.1 Market Trends
      • 10.2.6.2 Market Forecast
    • 10.2.7 Others
      • 10.2.7.1 Market Trends
      • 10.2.7.2 Market Forecast
  • 10.3 Europe
    • 10.3.1 Germany
      • 10.3.1.1 Market Trends
      • 10.3.1.2 Market Forecast
    • 10.3.2 France
      • 10.3.2.1 Market Trends
      • 10.3.2.2 Market Forecast
    • 10.3.3 United Kingdom
      • 10.3.3.1 Market Trends
      • 10.3.3.2 Market Forecast
    • 10.3.4 Italy
      • 10.3.4.1 Market Trends
      • 10.3.4.2 Market Forecast
    • 10.3.5 Spain
      • 10.3.5.1 Market Trends
      • 10.3.5.2 Market Forecast
    • 10.3.6 Russia
      • 10.3.6.1 Market Trends
      • 10.3.6.2 Market Forecast
    • 10.3.7 Others
      • 10.3.7.1 Market Trends
      • 10.3.7.2 Market Forecast
  • 10.4 Latin America
    • 10.4.1 Brazil
      • 10.4.1.1 Market Trends
      • 10.4.1.2 Market Forecast
    • 10.4.2 Mexico
      • 10.4.2.1 Market Trends
      • 10.4.2.2 Market Forecast
    • 10.4.3 Others
      • 10.4.3.1 Market Trends
      • 10.4.3.2 Market Forecast
  • 10.5 Middle East and Africa
    • 10.5.1 Market Trends
    • 10.5.2 Market Breakup by Country
    • 10.5.3 Market Forecast

11 SWOT Analysis

  • 11.1 Overview
  • 11.2 Strengths
  • 11.3 Weaknesses
  • 11.4 Opportunities
  • 11.5 Threats

12 Value Chain Analysis

13 Porters Five Forces Analysis

  • 13.1 Overview
  • 13.2 Bargaining Power of Buyers
  • 13.3 Bargaining Power of Suppliers
  • 13.4 Degree of Competition
  • 13.5 Threat of New Entrants
  • 13.6 Threat of Substitutes

14 Competitive Landscape

  • 14.1 Market Structure
  • 14.2 Key Players
  • 14.3 Profiles of Key Players
    • 14.3.1 Bank of America
      • 14.3.1.1 Company Overview
      • 14.3.1.2 Product Portfolio
      • 14.3.1.3 Financials
      • 14.3.1.4 SWOT Analysis
    • 14.3.2 Barclays
      • 14.3.2.1 Company Overview
      • 14.3.2.2 Product Portfolio
      • 14.3.2.3 Financials
      • 14.3.2.4 SWOT Analysis
    • 14.3.3 BNP Paribas
      • 14.3.3.1 Company Overview
      • 14.3.3.2 Product Portfolio
      • 14.3.3.3 Financials
      • 14.3.3.4 SWOT Analysis
    • 14.3.4 China Construction Bank
      • 14.3.4.1 Company Overview
      • 14.3.4.2 Product Portfolio
      • 14.3.4.3 Financials
      • 14.3.4.4 SWOT Analysis
    • 14.3.5 Citigroup
      • 14.3.5.1 Company Overview
      • 14.3.5.2 Product Portfolio
      • 14.3.5.3 Financials
      • 14.3.5.4 SWOT Analysis
    • 14.3.6 Deutsche Bank
      • 14.3.6.1 Company Overview
      • 14.3.6.2 Product Portfolio
      • 14.3.6.3 Financials
      • 14.3.6.4 SWOT Analysis
    • 14.3.7 HSBC
      • 14.3.7.1 Company Overview
      • 14.3.7.2 Product Portfolio
      • 14.3.7.3 Financials
      • 14.3.7.4 SWOT Analysis
    • 14.3.8 Industrial and Commercial Bank of China (ICBC)
      • 14.3.8.1 Company Overview
      • 14.3.8.2 Product Portfolio
      • 14.3.8.3 Financials
      • 14.3.8.4 SWOT Analysis
    • 14.3.9 JPMorgan Chase
      • 14.3.9.1 Company Overview
      • 14.3.9.2 Product Portfolio
      • 14.3.9.3 Financials
      • 14.3.9.4 SWOT Analysis
    • 14.3.10 Mitsubishi UFJ Financial
      • 14.3.10.1 Company Overview
      • 14.3.10.2 Product Portfolio
      • 14.3.10.3 Financials
      • 14.3.10.4 SWOT Analysis
    • 14.3.11 Wells Fargo
      • 14.3.11.1 Company Overview
      • 14.3.11.2 Product Portfolio
      • 14.3.11.3 Financials
      • 14.3.11.4 SWOT Analysis