Buy Now Pay Later（BNPL）市場：製品、チャネル、最終用途別-2025-2030年世界予測

Buy Now Pay Later（BNPL）市場の2023年の市場規模は116億6,000万米ドルで、2024年には145億5,000万米ドルに達すると予測され、CAGR 26.50％で成長し、2030年には604億7,000万米ドルに達すると予測されます。

Buy Now Pay Later（BNPL）市場は、より広範な金融技術領域の中で急速に発展しているセグメントであり、消費者が従来のクレジットカードを使用することなく購入し、その代金を長期にわたって支払うことを可能にしています。BNPLの必要性は、幅広い層の消費者、特に若年層やクレジットヒストリーの確立していない消費者にアピールすることによって強調され、目先の金銭的負担なしに購買力を高める柔軟な決済手段を提供しています。用途はeコマース、小売、旅行など多岐にわたり、オンラインや店舗でのショッピング体験への統合も進んでいます。エンド・ユースの面では、加盟店と消費者の双方にメリットがあり、加盟店では平均注文額と転換率が向上し、消費者は経済的な柔軟性と予算の立てやすさを享受できます。

主な成長要因としては、決済システムのデジタル化、柔軟な決済ソリューションに対する消費者の需要の増加、オンラインショッピングの動向の高まりなどが挙げられます。潜在的なビジネスチャンスは、新たな地理的市場への進出、大手小売業者との提携、顧客体験とデータ分析の革新にあります。プロバイダーはまた、持続可能なショッピングトレンドに沿ったソリューションなど、オーダーメイドのソリューションを提供することで利益を得ることもできます。しかし、Buy Now Pay Later（BNPL）市場は、規制当局の監視や消費者の負債水準に対する懸念などの課題に直面しています。こうした課題を克服するには、透明性のあるコミュニケーションと責任ある融資慣行を確保することが極めて重要です。

イノベーションの機会としては、人工知能を活用したリスク評価の強化、シームレスなショッピング体験のためのユーザーインターフェースの改善、顧客ロイヤルティプログラムの充実などが挙げられます。さらに、Buy Now Pay Later（BNPL）をブロックチェーンと統合する調査は、より安全で効率的な取引につながる可能性があります。Buy Now Pay Later（BNPL）市場の性質はダイナミックで競争的であり、デジタル金融の継続的な進歩により、企業は敏捷性と消費者中心の戦略を通じて優位に立つことが求められています。市場の成長を効果的に取り込むために、企業は進化する規制への対応、消費者の信頼の維持、技術的進歩を活用したユニークで安全な決済ソリューションの提供に注力し、全体的なショッピング体験を向上させる必要があります。

市場力学：急速に進化するBuy Now Pay Later（BNPL）市場の主要市場インサイトを公開

Buy Now Pay Later（BNPL）市場は、需要と供給のダイナミックな相互作用によって変貌を遂げています。このような市場力学の進化を理解することで、企業は十分な情報に基づいた投資決定、戦略的決定の精緻化、そして新たなビジネスチャンスの獲得に備えることができます。これらの動向を包括的に把握することで、企業は政治的、地理的、技術的、社会的、経済的な領域にわたる様々なリスクを軽減することができるとともに、消費者行動とそれが製造コストや購買動向に与える影響をより明確に理解することができます。

• 市場促進要因
  • オンライン購入の顕著な増加に伴うデジタルおよびモバイルベースの決済利用の拡大
  • ミレニアル世代による短期融資の高い普及率と、クレジットカードよりもBNPLへの嗜好性
  • フィンテック部門を後押しする政府投資の増加とBNPL新興企業への資金提供の急増
• 市場抑制要因
  • 与信審査通過率の低下と高額な遅延損害金に関する制約
• 市場機会
  • BNPLスキームを強化するためのAIとビッグデータに焦点を当てた技術進歩
  • 暗号通貨決済モデルとアプリケーションにおけるBNPLサービスの新たな可能性
• 市場の課題
  • BNPLプランのライセンス、登録、安全性に関連する厳しい規制と基準

ポーターの5つの力：Buy Now Pay Later（BNPL）市場をナビゲートする戦略ツール

ポーターの5つの力フレームワークは、Buy Now Pay Later（BNPL）市場の競合情勢を理解するための重要なツールです。ポーターのファイブフォース・フレームワークは、企業の競争力を評価し、戦略的機会を探るための明確な手法を提供します。このフレームワークは、企業が市場内の勢力図を評価し、新規事業の収益性を判断するのに役立ちます。これらの洞察により、企業は自社の強みを活かし、弱みに対処し、潜在的な課題を回避することができ、より強靭な市場でのポジショニングを確保することができます。

PESTLE分析：Buy Now Pay Later（BNPL）市場における外部からの影響の把握

外部マクロ環境要因は、Buy Now Pay Later（BNPL）市場の業績ダイナミクスを形成する上で極めて重要な役割を果たします。政治的、経済的、社会的、技術的、法的、環境的要因の分析は、これらの影響をナビゲートするために必要な情報を提供します。PESTLE要因を調査することで、企業は潜在的なリスクと機会をよりよく理解することができます。この分析により、企業は規制、消費者の嗜好、経済動向の変化を予測し、先を見越した積極的な意思決定を行う準備ができます。

市場シェア分析Buy Now Pay Later（BNPL）市場における競合情勢の把握

Buy Now Pay Later（BNPL）市場の詳細な市場シェア分析により、ベンダーの業績を包括的に評価することができます。企業は、収益、顧客ベース、成長率などの主要指標を比較することで、競争上のポジショニングを明らかにすることができます。この分析により、市場の集中、断片化、統合の動向が明らかになり、ベンダーは競争が激化する中で自社の地位を高める戦略的な意思決定を行うために必要な知見を得ることができます。

FPNVポジショニング・マトリックスBuy Now Pay Later（BNPL）市場におけるベンダーのパフォーマンス評価

FPNVポジショニングマトリックスは、Buy Now Pay Later（BNPL）市場においてベンダーを評価するための重要なツールです。このマトリックスにより、ビジネス組織はベンダーのビジネス戦略と製品満足度に基づき評価することで、目標に沿った十分な情報に基づいた意思決定を行うことができます。4つの象限によりベンダーを明確かつ的確にセグメント化し、戦略目標に最適なパートナーやソリューションを特定することができます。

戦略分析と推奨Buy Now Pay Later（BNPL）市場における成功への道筋を描く

Buy Now Pay Later（BNPL）市場の戦略分析は、世界市場でのプレゼンス強化を目指す企業にとって不可欠です。主要なリソース、能力、業績指標を見直すことで、企業は成長機会を特定し、改善に取り組むことができます。このアプローチにより、競合情勢における課題を克服し、新たなビジネスチャンスを活かして長期的な成功を収めるための体制を整えることができます。

本レポートでは、主要な注目分野を網羅した市場の包括的な分析を提供しています：

1.市場の浸透度：現在の市場環境の詳細なレビュー、主要企業による広範なデータ、市場でのリーチと全体的な影響力の評価。

2.市場の開拓度：新興市場における成長機会を特定し、既存分野における拡大可能性を評価し、将来の成長に向けた戦略的ロードマップを提供します。

3.市場の多様化：最近の製品発売、未開拓の地域、業界の主要な進歩、市場を形成する戦略的投資を分析します。

4.競合の評価と情報：競合情勢を徹底的に分析し、市場シェア、事業戦略、製品ポートフォリオ、認証、規制当局の承認、特許動向、主要企業の技術進歩などを検証します。

5.製品開発およびイノベーション：将来の市場成長を促進すると期待される最先端技術、研究開発活動、製品イノベーションをハイライトしています。

また、利害関係者が十分な情報を得た上で意思決定できるよう、重要な質問にも答えています：

1.現在の市場規模と今後の成長予測は？

2.最高の投資機会を提供する製品、セグメント、地域はどこか？

3.市場を形成する主な技術動向と規制の影響とは？

4.主要ベンダーの市場シェアと競合ポジションは？

5.ベンダーの市場参入・撤退戦略の原動力となる収益源と戦略的機会は何か？

目次

第1章 序文

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場の概要

第5章 市場洞察

• 市場力学
  • 促進要因
    • オンライン購入の顕著な増加に伴い、デジタルおよびモバイルベースの決済の利用が増加している
    • ミレニアル世代は短期融資を多く利用し、クレジットカードよりもBNPLを好む
    • フィンテック分野を後押しするための政府投資の増加とBNPLスタートアップへの資金提供の急増
  • 抑制要因
    • 信用承認拒否率と高額な延滞料金に関する制限
  • 機会
    • BNPLスキームを強化するためのAIとビッグデータに焦点を当てた技術の進歩
    • 暗号通貨決済モデルとアプリケーションにおけるBNPLサービスの新たな可能性
  • 課題
    • BNPL計画のライセンシング、登録、安全性に関連する厳格な規制と基準
• 市場セグメンテーション分析
• ポーターのファイブフォース分析
• PESTEL分析
  • 政治的
  • 経済的
  • 社会的
  • 技術的
  • 法的
  • 環境

第6章 Buy Now Pay Later（BNPL）市場：製品別

• アプリケーション
• ブラウザ拡張機能

第7章 Buy Now Pay Later（BNPL）市場：チャネル別

• 店内
• オンライン

第8章 Buy Now Pay Later（BNPL）市場：最終用途別

• 教育
• ヘルスケア
• メディアとエンターテイメント
• 小売
  • 家電
  • ファッション・衣料
• 旅行・ホスピタリティ

第9章 南北アメリカのBuy Now Pay Later（BNPL）市場

• アルゼンチン
• ブラジル
• カナダ
• メキシコ
• 米国

第10章 アジア太平洋地域のBuy Now Pay Later（BNPL）市場

• オーストラリア
• 中国
• インド
• インドネシア
• 日本
• マレーシア
• フィリピン
• シンガポール
• 韓国
• 台湾
• タイ
• ベトナム

第11章 欧州・中東・アフリカのBuy Now Pay Later（BNPL）市場

• デンマーク
• エジプト
• フィンランド
• フランス
• ドイツ
• イスラエル
• イタリア
• オランダ
• ナイジェリア
• ノルウェー
• ポーランド
• カタール
• ロシア
• サウジアラビア
• 南アフリカ
• スペイン
• スウェーデン
• スイス
• トルコ
• アラブ首長国連邦
• 英国

第12章 競合情勢

• 市場シェア分析, 2023
• FPNVポジショニングマトリックス, 2023
• 競合シナリオ分析
  • IngenicoとSplititが提携し、ホワイトラベルの「今すぐ購入、後払い（BNPL）」をワンタッチで物理的なチェックアウトに導入
  • トランチの1億米ドルの資金調達は、VCがBNPLに事業をシフトしていることを示している
  • Visa、Nuveiと提携しBNPLで小売業に参入
  • 中小企業向けにClover経由で利用可能な初のプライベートラベルとBNPL融資ソリューションとして、Synchronyアプリで支払いを開始
  • Visa、Fundboxと提携し中小企業向けの新たな決済機能を実現
  • Adyen、Afterpayとの世界パートナーシップを拡大
  • ライト・エイドとアフターペイが提携し、日用品の「今買って後で支払う」サービスを提供
  • ACI Worldwide, Inc.、単一の統合により70社以上のBNPL貸し手にアクセスできる革新的なBNPLソリューションを開始
  • BNPLスタートアップのAlmaが2億1,000万米ドルを調達
  • Block, Inc.がAfterpayの買収を完了
  • アファーム、後払いプラットフォーム「PayBright」の買収を完了
• 戦略分析と提言

企業一覧

• ACI Worldwide, Inc.
• Affirm, Inc.
• Afterpay Limited by Block, Inc.
• Amazon Pay Later by Amazon.com, Inc.
• Amount, Inc.
• Apple Pay Later by Apple Inc.
• Apruve, Inc. by TreviPay
• Bank of America Corporation
• Billie GmbH
• Capgemini SE
• ChargeAfter, Inc.
• Divido Financial Services Ltd.
• ePayLater by Arthashastra Fintech Private Limited
• Fidelity National Information Services, Inc.
• Finastra
• Finturf
• Fiserv, Inc.
• Flipkart Pay Later by Flipkart Internet Private Limited
• Global Payments Inc.
• Hokodo SAS
• humm BNPL Pty Ltd.
• JPMorgan Chase & Co.
• Klarna Inc.
• LatitudePay Australia Pty Ltd.
• Laybuy Australia Pty Ltd.
• LazyPay Private Limited by PayU Payments Private Limited
• Mastercard Inc.
• Nucleus Software Exports Ltd.
• Payl8r by Social Money Ltd.
• PayPal, Inc.
• Pelican.ai
• Repay Holdings, LLC
• S.W.I.F.T. SC
• Sezzle Inc. by Zip Co Limited
• Simpl by One Sigma Technologies Private Ltd.
• Splitit USA Inc.
• Tabby FZ-LLC
• Temenos Headquarters SA
• Temenos SA
• Visa Inc.
• Worldline Group S.A.
• ZestMoney by Camden Town Technologies Pvt Ltd.
• Zinia by Open Bank, S.A.
• ZoodPay by OrientSwiss S.A.

LIST OF FIGURES

• FIGURE 1. BUY NOW PAY LATER MARKET RESEARCH PROCESS
• FIGURE 2. BUY NOW PAY LATER MARKET SIZE, 2023 VS 2030
• FIGURE 3. GLOBAL BUY NOW PAY LATER MARKET SIZE, 2018-2030 (USD MILLION)
• FIGURE 4. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY REGION, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 5. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 6. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2023 VS 2030 (%)
• FIGURE 7. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 8. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2023 VS 2030 (%)
• FIGURE 9. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 10. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2023 VS 2030 (%)
• FIGURE 11. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 12. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 13. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 14. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY STATE, 2023 VS 2030 (%)
• FIGURE 15. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY STATE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 16. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 17. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 18. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 19. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 20. BUY NOW PAY LATER MARKET SHARE, BY KEY PLAYER, 2023
• FIGURE 21. BUY NOW PAY LATER MARKET, FPNV POSITIONING MATRIX, 2023

LIST OF TABLES

• TABLE 1. BUY NOW PAY LATER MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2023
• TABLE 3. GLOBAL BUY NOW PAY LATER MARKET SIZE, 2018-2030 (USD MILLION)
• TABLE 4. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 5. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 6. BUY NOW PAY LATER MARKET DYNAMICS
• TABLE 7. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 8. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY APPLICATIONS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 9. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY BROWSER EXTENSIONS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 10. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 11. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY IN-STORE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 12. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY ONLINE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 13. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 14. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY EDUCATION, BY REGION, 2018-2030 (USD MILLION)
• TABLE 15. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY HEALTHCARE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 16. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY MEDIA & ENTERTAINMENT, BY REGION, 2018-2030 (USD MILLION)
• TABLE 17. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY RETAIL, BY REGION, 2018-2030 (USD MILLION)
• TABLE 18. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY CONSUMER ELECTRONICS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 19. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY FASHION & GARMENT, BY REGION, 2018-2030 (USD MILLION)
• TABLE 20. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 21. GLOBAL BUY NOW PAY LATER MARKET SIZE, BY TRAVEL & HOSPITALITY, BY REGION, 2018-2030 (USD MILLION)
• TABLE 22. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 23. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 24. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 25. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 26. AMERICAS BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 27. ARGENTINA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 28. ARGENTINA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 29. ARGENTINA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 30. ARGENTINA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 31. BRAZIL BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 32. BRAZIL BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 33. BRAZIL BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 34. BRAZIL BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 35. CANADA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 36. CANADA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 37. CANADA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 38. CANADA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 39. MEXICO BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 40. MEXICO BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 41. MEXICO BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 42. MEXICO BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 43. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 44. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 45. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 46. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 47. UNITED STATES BUY NOW PAY LATER MARKET SIZE, BY STATE, 2018-2030 (USD MILLION)
• TABLE 48. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 49. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 50. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 51. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 52. ASIA-PACIFIC BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 53. AUSTRALIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 54. AUSTRALIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 55. AUSTRALIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 56. AUSTRALIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 57. CHINA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 58. CHINA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 59. CHINA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 60. CHINA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 61. INDIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 62. INDIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 63. INDIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 64. INDIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 65. INDONESIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 66. INDONESIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 67. INDONESIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 68. INDONESIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 69. JAPAN BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 70. JAPAN BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 71. JAPAN BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 72. JAPAN BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 73. MALAYSIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 74. MALAYSIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 75. MALAYSIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 76. MALAYSIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 77. PHILIPPINES BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 78. PHILIPPINES BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 79. PHILIPPINES BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 80. PHILIPPINES BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 81. SINGAPORE BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 82. SINGAPORE BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 83. SINGAPORE BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 84. SINGAPORE BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 85. SOUTH KOREA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 86. SOUTH KOREA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 87. SOUTH KOREA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 88. SOUTH KOREA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 89. TAIWAN BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 90. TAIWAN BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 91. TAIWAN BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 92. TAIWAN BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 93. THAILAND BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 94. THAILAND BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 95. THAILAND BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 96. THAILAND BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 97. VIETNAM BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 98. VIETNAM BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 99. VIETNAM BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 100. VIETNAM BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 101. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 102. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 103. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 104. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 105. EUROPE, MIDDLE EAST & AFRICA BUY NOW PAY LATER MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 106. DENMARK BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 107. DENMARK BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 108. DENMARK BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 109. DENMARK BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 110. EGYPT BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 111. EGYPT BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 112. EGYPT BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 113. EGYPT BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 114. FINLAND BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 115. FINLAND BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 116. FINLAND BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 117. FINLAND BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 118. FRANCE BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 119. FRANCE BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 120. FRANCE BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 121. FRANCE BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 122. GERMANY BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 123. GERMANY BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 124. GERMANY BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 125. GERMANY BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 126. ISRAEL BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 127. ISRAEL BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 128. ISRAEL BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 129. ISRAEL BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 130. ITALY BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 131. ITALY BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 132. ITALY BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 133. ITALY BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 134. NETHERLANDS BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 135. NETHERLANDS BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 136. NETHERLANDS BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 137. NETHERLANDS BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 138. NIGERIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 139. NIGERIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 140. NIGERIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 141. NIGERIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 142. NORWAY BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 143. NORWAY BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 144. NORWAY BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 145. NORWAY BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 146. POLAND BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 147. POLAND BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 148. POLAND BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 149. POLAND BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 150. QATAR BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 151. QATAR BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 152. QATAR BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 153. QATAR BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 154. RUSSIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 155. RUSSIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 156. RUSSIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 157. RUSSIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 158. SAUDI ARABIA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 159. SAUDI ARABIA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 160. SAUDI ARABIA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 161. SAUDI ARABIA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 162. SOUTH AFRICA BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 163. SOUTH AFRICA BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 164. SOUTH AFRICA BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 165. SOUTH AFRICA BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 166. SPAIN BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 167. SPAIN BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 168. SPAIN BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 169. SPAIN BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 170. SWEDEN BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 171. SWEDEN BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 172. SWEDEN BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 173. SWEDEN BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 174. SWITZERLAND BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 175. SWITZERLAND BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 176. SWITZERLAND BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 177. SWITZERLAND BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 178. TURKEY BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 179. TURKEY BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 180. TURKEY BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 181. TURKEY BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 182. UNITED ARAB EMIRATES BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 183. UNITED ARAB EMIRATES BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 184. UNITED ARAB EMIRATES BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 185. UNITED ARAB EMIRATES BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 186. UNITED KINGDOM BUY NOW PAY LATER MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 187. UNITED KINGDOM BUY NOW PAY LATER MARKET SIZE, BY CHANNEL, 2018-2030 (USD MILLION)
• TABLE 188. UNITED KINGDOM BUY NOW PAY LATER MARKET SIZE, BY END-USE, 2018-2030 (USD MILLION)
• TABLE 189. UNITED KINGDOM BUY NOW PAY LATER MARKET SIZE, BY RETAIL, 2018-2030 (USD MILLION)
• TABLE 190. BUY NOW PAY LATER MARKET SHARE, BY KEY PLAYER, 2023
• TABLE 191. BUY NOW PAY LATER MARKET, FPNV POSITIONING MATRIX, 2023

The Buy Now Pay Later Market was valued at USD 11.66 billion in 2023, expected to reach USD 14.55 billion in 2024, and is projected to grow at a CAGR of 26.50%, to USD 60.47 billion by 2030.

The "Buy Now Pay Later" (BNPL) market is a rapidly evolving segment within the broader financial technology space, enabling consumers to make purchases and pay for them over time without traditional credit card usage. The necessity of BNPL is underscored by its appeal to a wide range of consumers, particularly younger demographics and those without established credit histories, offering a flexible payment alternative that enhances purchasing power without immediate financial strain. Applications are vast, spanning e-commerce, retail, travel, and more, with increasing integration into online and in-store shopping experiences. On the end-use front, both merchants and consumers benefit, with merchants seeing increased average order values and conversion rates, while consumers enjoy financial flexibility and budgeting ease.

Key growth factors include the digital transformation of payment systems, increased consumer demand for flexible payment solutions, and the rising trend of online shopping. Potential opportunities lie in the expansion into new geographical markets, partnerships with major retailers, and innovations in customer experience and data analytics. Providers can also capitalize on offering tailored solutions, such as those aligned with sustainable shopping trends. However, the BNPL market faces challenges, including regulatory scrutiny and concerns over consumer debt levels. Ensuring transparent communication and responsible lending practices will be crucial to overcoming these challenges.

Innovation opportunities include leveraging artificial intelligence to enhance risk assessment, improving user interfaces for a seamless shopping experience, and enriching customer loyalty programs. Additionally, research into integrating BNPL with blockchain could lead to more secure and efficient transactions. The nature of the BNPL market is dynamic and competitive, with continuous advancements in digital finance prompting businesses to stay ahead through agility and consumer-centric strategies. To effectively capture market growth, businesses should focus on compliance with evolving regulations, maintaining consumer trust, and leveraging technological advancements to offer unique and secure payment solutions that enhance the overall shopping experience.

Market Dynamics: Unveiling Key Market Insights in the Rapidly Evolving Buy Now Pay Later Market

The Buy Now Pay Later Market is undergoing transformative changes driven by a dynamic interplay of supply and demand factors. Understanding these evolving market dynamics prepares business organizations to make informed investment decisions, refine strategic decisions, and seize new opportunities. By gaining a comprehensive view of these trends, business organizations can mitigate various risks across political, geographic, technical, social, and economic domains while also gaining a clearer understanding of consumer behavior and its impact on manufacturing costs and purchasing trends.

• Market Drivers
  • Growing use of digital and mobile-based payments with the prominent rise in online purchases
  • High adoption of short-term financing by millennials and preference for BNPL over credit cards
  • Rising government investments to boost the fintech sector and surging funding availability for BNPL startups
• Market Restraints
  • Limitations concerning credit approval decline rates and high late payment fees
• Market Opportunities
  • Technological advancements focusing on AI & Big Data to enhance BNPL schemes
  • Emerging potential of BNPL services in cryptocurrency payment models and applications
• Market Challenges
  • Stringent regulations & standards associated with licensing, registration and safety of BNPL plans

Porter's Five Forces: A Strategic Tool for Navigating the Buy Now Pay Later Market

Porter's five forces framework is a critical tool for understanding the competitive landscape of the Buy Now Pay Later Market. It offers business organizations with a clear methodology for evaluating their competitive positioning and exploring strategic opportunities. This framework helps businesses assess the power dynamics within the market and determine the profitability of new ventures. With these insights, business organizations can leverage their strengths, address weaknesses, and avoid potential challenges, ensuring a more resilient market positioning.

PESTLE Analysis: Navigating External Influences in the Buy Now Pay Later Market

External macro-environmental factors play a pivotal role in shaping the performance dynamics of the Buy Now Pay Later Market. Political, Economic, Social, Technological, Legal, and Environmental factors analysis provides the necessary information to navigate these influences. By examining PESTLE factors, businesses can better understand potential risks and opportunities. This analysis enables business organizations to anticipate changes in regulations, consumer preferences, and economic trends, ensuring they are prepared to make proactive, forward-thinking decisions.

Market Share Analysis: Understanding the Competitive Landscape in the Buy Now Pay Later Market

A detailed market share analysis in the Buy Now Pay Later Market provides a comprehensive assessment of vendors' performance. Companies can identify their competitive positioning by comparing key metrics, including revenue, customer base, and growth rates. This analysis highlights market concentration, fragmentation, and trends in consolidation, offering vendors the insights required to make strategic decisions that enhance their position in an increasingly competitive landscape.

FPNV Positioning Matrix: Evaluating Vendors' Performance in the Buy Now Pay Later Market

The Forefront, Pathfinder, Niche, Vital (FPNV) Positioning Matrix is a critical tool for evaluating vendors within the Buy Now Pay Later Market. This matrix enables business organizations to make well-informed decisions that align with their goals by assessing vendors based on their business strategy and product satisfaction. The four quadrants provide a clear and precise segmentation of vendors, helping users identify the right partners and solutions that best fit their strategic objectives.

Strategy Analysis & Recommendation: Charting a Path to Success in the Buy Now Pay Later Market

A strategic analysis of the Buy Now Pay Later Market is essential for businesses looking to strengthen their global market presence. By reviewing key resources, capabilities, and performance indicators, business organizations can identify growth opportunities and work toward improvement. This approach helps businesses navigate challenges in the competitive landscape and ensures they are well-positioned to capitalize on newer opportunities and drive long-term success.

Key Company Profiles

The report delves into recent significant developments in the Buy Now Pay Later Market, highlighting leading vendors and their innovative profiles. These include ACI Worldwide, Inc., Affirm, Inc., Afterpay Limited by Block, Inc., Amazon Pay Later by Amazon.com, Inc., Amount, Inc., Apple Pay Later by Apple Inc., Apruve, Inc. by TreviPay, Bank of America Corporation, Billie GmbH, Capgemini SE, ChargeAfter, Inc., Divido Financial Services Ltd., ePayLater by Arthashastra Fintech Private Limited, Fidelity National Information Services, Inc., Finastra, Finturf, Fiserv, Inc., Flipkart Pay Later by Flipkart Internet Private Limited, Global Payments Inc., Hokodo SAS, humm BNPL Pty Ltd., JPMorgan Chase & Co., Klarna Inc., LatitudePay Australia Pty Ltd., Laybuy Australia Pty Ltd., LazyPay Private Limited by PayU Payments Private Limited, Mastercard Inc., Nucleus Software Exports Ltd., Payl8r by Social Money Ltd., PayPal, Inc., Pelican.ai, Repay Holdings, LLC, S.W.I.F.T. SC, Sezzle Inc. by Zip Co Limited, Simpl by One Sigma Technologies Private Ltd., Splitit USA Inc., Tabby FZ-LLC, Temenos Headquarters SA, Temenos SA, Visa Inc., Worldline Group S.A., ZestMoney by Camden Town Technologies Pvt Ltd., Zinia by Open Bank, S.A., and ZoodPay by OrientSwiss S.A..

Market Segmentation & Coverage

This research report categorizes the Buy Now Pay Later Market to forecast the revenues and analyze trends in each of the following sub-markets:

• Based on Product, market is studied across Applications and Browser Extensions.
• Based on Channel, market is studied across In-Store and Online.
• Based on End-use, market is studied across Education, Healthcare, Media & Entertainment, Retail, and Travel & Hospitality. The Retail is further studied across Consumer Electronics and Fashion & Garment.
• Based on Region, market is studied across Americas, Asia-Pacific, and Europe, Middle East & Africa. The Americas is further studied across Argentina, Brazil, Canada, Mexico, and United States. The United States is further studied across California, Florida, Illinois, New York, Ohio, Pennsylvania, and Texas. The Asia-Pacific is further studied across Australia, China, India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. The Europe, Middle East & Africa is further studied across Denmark, Egypt, Finland, France, Germany, Israel, Italy, Netherlands, Nigeria, Norway, Poland, Qatar, Russia, Saudi Arabia, South Africa, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, and United Kingdom.

The report offers a comprehensive analysis of the market, covering key focus areas:

1. Market Penetration: A detailed review of the current market environment, including extensive data from top industry players, evaluating their market reach and overall influence.

2. Market Development: Identifies growth opportunities in emerging markets and assesses expansion potential in established sectors, providing a strategic roadmap for future growth.

3. Market Diversification: Analyzes recent product launches, untapped geographic regions, major industry advancements, and strategic investments reshaping the market.

4. Competitive Assessment & Intelligence: Provides a thorough analysis of the competitive landscape, examining market share, business strategies, product portfolios, certifications, regulatory approvals, patent trends, and technological advancements of key players.

5. Product Development & Innovation: Highlights cutting-edge technologies, R&D activities, and product innovations expected to drive future market growth.

The report also answers critical questions to aid stakeholders in making informed decisions:

1. What is the current market size, and what is the forecasted growth?

2. Which products, segments, and regions offer the best investment opportunities?

3. What are the key technology trends and regulatory influences shaping the market?

4. How do leading vendors rank in terms of market share and competitive positioning?

5. What revenue sources and strategic opportunities drive vendors' market entry or exit strategies?

Table of Contents

1. Preface

• 1.1. Objectives of the Study
• 1.2. Market Segmentation & Coverage
• 1.3. Years Considered for the Study
• 1.4. Currency & Pricing
• 1.5. Language
• 1.6. Stakeholders

2. Research Methodology

• 2.1. Define: Research Objective
• 2.2. Determine: Research Design
• 2.3. Prepare: Research Instrument
• 2.4. Collect: Data Source
• 2.5. Analyze: Data Interpretation
• 2.6. Formulate: Data Verification
• 2.7. Publish: Research Report
• 2.8. Repeat: Report Update

3. Executive Summary

4. Market Overview

5. Market Insights

• 5.1. Market Dynamics
  • 5.1.1. Drivers
    • 5.1.1.1. Growing use of digital and mobile-based payments with the prominent rise in online purchases
    • 5.1.1.2. High adoption of short-term financing by millennials and preference for BNPL over credit cards
    • 5.1.1.3. Rising government investments to boost the fintech sector and surging funding availability for BNPL startups
  • 5.1.2. Restraints
    • 5.1.2.1. Limitations concerning credit approval decline rates and high late payment fees
  • 5.1.3. Opportunities
    • 5.1.3.1. Technological advancements focusing on AI & Big Data to enhance BNPL schemes
    • 5.1.3.2. Emerging potential of BNPL services in cryptocurrency payment models and applications
  • 5.1.4. Challenges
    • 5.1.4.1. Stringent regulations & standards associated with licensing, registration and safety of BNPL plans
• 5.2. Market Segmentation Analysis
• 5.3. Porter's Five Forces Analysis
  • 5.3.1. Threat of New Entrants
  • 5.3.2. Threat of Substitutes
  • 5.3.3. Bargaining Power of Customers
  • 5.3.4. Bargaining Power of Suppliers
  • 5.3.5. Industry Rivalry
• 5.4. PESTLE Analysis
  • 5.4.1. Political
  • 5.4.2. Economic
  • 5.4.3. Social
  • 5.4.4. Technological
  • 5.4.5. Legal
  • 5.4.6. Environmental

6. Buy Now Pay Later Market, by Product

• 6.1. Introduction
• 6.2. Applications
• 6.3. Browser Extensions

7. Buy Now Pay Later Market, by Channel

• 7.1. Introduction
• 7.2. In-Store
• 7.3. Online

8. Buy Now Pay Later Market, by End-use

• 8.1. Introduction
• 8.2. Education
• 8.3. Healthcare
• 8.4. Media & Entertainment
• 8.5. Retail
  • 8.5.1. Consumer Electronics
  • 8.5.2. Fashion & Garment
• 8.6. Travel & Hospitality

9. Americas Buy Now Pay Later Market

• 9.1. Introduction
• 9.2. Argentina
• 9.3. Brazil
• 9.4. Canada
• 9.5. Mexico
• 9.6. United States

10. Asia-Pacific Buy Now Pay Later Market

• 10.1. Introduction
• 10.2. Australia
• 10.3. China
• 10.4. India
• 10.5. Indonesia
• 10.6. Japan
• 10.7. Malaysia
• 10.8. Philippines
• 10.9. Singapore
• 10.10. South Korea
• 10.11. Taiwan
• 10.12. Thailand
• 10.13. Vietnam

11. Europe, Middle East & Africa Buy Now Pay Later Market

• 11.1. Introduction
• 11.2. Denmark
• 11.3. Egypt
• 11.4. Finland
• 11.5. France
• 11.6. Germany
• 11.7. Israel
• 11.8. Italy
• 11.9. Netherlands
• 11.10. Nigeria
• 11.11. Norway
• 11.12. Poland
• 11.13. Qatar
• 11.14. Russia
• 11.15. Saudi Arabia
• 11.16. South Africa
• 11.17. Spain
• 11.18. Sweden
• 11.19. Switzerland
• 11.20. Turkey
• 11.21. United Arab Emirates
• 11.22. United Kingdom

12. Competitive Landscape

• 12.1. Market Share Analysis, 2023
• 12.2. FPNV Positioning Matrix, 2023
• 12.3. Competitive Scenario Analysis
  • 12.3.1. Ingenico and Splitit partner to bring white-label, buy now, pay later (BNPL) to physical checkout with just one touch
  • 12.3.2. Tranch's $100M round signals VCs shift to BNPL for business
  • 12.3.3. Visa Partners With Nuvei, Tender Retail on BNPL
  • 12.3.4. Pay With Synchrony App Launches As First Combined Private Label And BNPL Financing Solution Available For Small Business Via Clover
  • 12.3.5. Visa Partners with Fundbox to Enable New Payment Capabilities for Small Businesses
  • 12.3.6. Adyen expands global partnership with Afterpay
  • 12.3.7. Rite Aid and Afterpay Partner to Offer 'Buy Now, Pay Later' on Everyday Items
  • 12.3.8. ACI Worldwide, Inc. Launches Innovative BNPL Solution With Access to 70+ BNPL Lenders via Single Integration
  • 12.3.9. BNPL Startup, Alma, Raises $210M
  • 12.3.10. Block, Inc. Completes Acquisition of Afterpay
  • 12.3.11. Affirm completes the acquisition of buy now, pay later platform PayBright
• 12.4. Strategy Analysis & Recommendation

Companies Mentioned

• 1. ACI Worldwide, Inc.
• 2. Affirm, Inc.
• 3. Afterpay Limited by Block, Inc.
• 4. Amazon Pay Later by Amazon.com, Inc.
• 5. Amount, Inc.
• 6. Apple Pay Later by Apple Inc.
• 7. Apruve, Inc. by TreviPay
• 8. Bank of America Corporation
• 9. Billie GmbH
• 10. Capgemini SE
• 11. ChargeAfter, Inc.
• 12. Divido Financial Services Ltd.
• 13. ePayLater by Arthashastra Fintech Private Limited
• 14. Fidelity National Information Services, Inc.
• 15. Finastra
• 16. Finturf
• 17. Fiserv, Inc.
• 18. Flipkart Pay Later by Flipkart Internet Private Limited
• 19. Global Payments Inc.
• 20. Hokodo SAS
• 21. humm BNPL Pty Ltd.
• 22. JPMorgan Chase & Co.
• 23. Klarna Inc.
• 24. LatitudePay Australia Pty Ltd.
• 25. Laybuy Australia Pty Ltd.
• 26. LazyPay Private Limited by PayU Payments Private Limited
• 27. Mastercard Inc.
• 28. Nucleus Software Exports Ltd.
• 29. Payl8r by Social Money Ltd.
• 30. PayPal, Inc.
• 31. Pelican.ai
• 32. Repay Holdings, LLC
• 33. S.W.I.F.T. SC
• 34. Sezzle Inc. by Zip Co Limited
• 35. Simpl by One Sigma Technologies Private Ltd.
• 36. Splitit USA Inc.
• 37. Tabby FZ-LLC
• 38. Temenos Headquarters SA
• 39. Temenos SA
• 40. Visa Inc.
• 41. Worldline Group S.A.
• 42. ZestMoney by Camden Town Technologies Pvt Ltd.
• 43. Zinia by Open Bank, S.A.
• 44. ZoodPay by OrientSwiss S.A.