消費者金融市場：製品タイプ別、返済タイプ別、提供者別-2025-2030年世界予測

消費者金融市場は、2023年に1,238億1,000万米ドルと評価され、2024年には1,309億3,000万米ドルに達すると予測され、2030年にはCAGR 5.81％で成長し、1,838億5,000万米ドルに達すると予測されています。

消費者金融市場には、消費者が個人的な用途のためにお金を借り、長期にわたって利息をつけて返済することを可能にする様々な金融サービスが含まれます。この分野には、クレジットカード、個人ローン、住宅ローン、自動車ローンなどが含まれ、主に消費者の購買力を高めることを目的としています。消費者金融の必要性は、個人に資金への即時アクセスを提供する能力にあり、それによって経済成長を促進し、貯蓄の蓄積を待つことなく商品やサービスの購入を可能にすることで生活水準を向上させる。その用途は、リテール・ファイナンス、教育ローン、不動産など多岐にわたり、最終用途は、日常的な消費支出から、住宅購入や自動車ローンのような重要なライフイベントまで多岐にわたる。

市場成長は、金融サービスの技術的進歩、個人消費の増加、デジタル融資プラットフォームに対する需要の高まりといった要因に影響されます。人口動態の変化、特にミレニアル世代とZ世代の経済的自立の高まりも市場拡大を後押ししています。AIを活用した信用スコアリングやブロックチェーンなどのフィンテック・イノベーションは、より迅速で透明性が高く、安全な融資プロセスに貢献します。こうした機会を捉えるため、利害関係者はテクノロジーと顧客中心の戦略に投資し、ユーザー・エクスペリエンスとアクセシビリティを高めるべきです。

逆に、消費者金融市場は、厳しい規制要件や、デジタル取引におけるデータプライバシーとサイバーセキュリティに関する継続的な懸念といった制約に直面しています。景気の低迷や金利の上昇も、消費者の借入能力を低下させ、債務不履行リスクを高めるという課題となっています。今後の成長を促進する可能性のあるイノベーションには、リスク評価にAIアルゴリズムを使用したパーソナライズド・レンディング・ソリューション、十分なサービスを受けていない層へのマイクロ・レンディング施設の拡大、環境に配慮した消費者行動に沿った持続可能なクレジット商品の開発などがあります。市場の性質はダイナミックで競争が激しく、デジタル・エコシステムを志向する傾向が強まっています。金融機関とフィンテックは最先端のテクノロジーに投資しており、セクターを超えた連携と戦略的パートナーシップによって大きな価値を引き出し、サービス提供を強化し、包括的な金融慣行を促進することができます。

市場力学：急速に進化する消費者金融市場の主要市場インサイトを公開

消費者金融市場は、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。こうした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
  • 住宅や自動車の高額購入の増加
  • 教育・ヘルスケア費用の増加と外部資金ニーズ
  • 金融包摂を奨励する政府の取り組みと消費者金融
• 市場抑制要因
  • 金利の変化や債務不履行のリスク
• 市場機会
  • 世界の消費者金融業界のデジタル化
  • 消費者金融プラットフォームのマーケティングとプロモーションの拡大
• 市場の課題
  • 融資詐欺や不正行為に関する懸念

ポーターの5つの力：消費者金融市場をナビゲートする戦略ツール

ポーターのファイブフォース（5つの力）は、市場情勢の競合情勢を把握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：消費者金融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、消費者金融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。

市場シェア分析消費者金融市場における競合情勢の把握

消費者金融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・マトリックス消費者金融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、消費者金融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。

戦略分析と推奨消費者金融市場における成功への道筋を描く

消費者金融市場の戦略分析は、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に基づいた意思決定を行う上で役立つ重要な質問にも回答しています：

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
    • 住宅や自動車などの高額な購入の増加
    • 教育費とヘルスケア費の上昇と外部資金の必要性
    • 金融包摂を促進する政府の取り組みと消費者金融
  • 抑制要因
    • 金利の変動や債務不履行のリスク
  • 機会
    • 世界中の消費者金融業界のデジタル化
    • 消費者向け融資プラットフォームのマーケティングとプロモーションの拡大
  • 課題
    • ローン詐欺や不正行為に関する懸念
• 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
  • 社交
  • 技術的
  • 法律上
  • 環境

第6章 消費者金融市場：製品別

• 自動車ローン
• クレジットカード
• 住宅ローン
• 個人ローン
• 学生ローン

第7章 消費者金融市場返済タイプ別

• 分割払いクレジット
• リボルビングクレジット

第8章 消費者金融市場プロバイダー別

• 銀行
• 信用組合
• オンライン貸金業者

第9章 南北アメリカの消費者金融市場

• 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消費者金融市場

• 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・アフリカの消費者金融市場

• 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
• 戦略分析と提言

企業一覧

• Ballard Spahr LLP
• Bank of America Corporation
• Barclays PLC
• BNP Paribas
• Bovill Ltd.
• Certegy Payment Solutions, LLC
• China Construction Bank
• Citi Group
• Credit Service Company, Inc.
• Creditsafe Business Solutions Limited
• Deutsche Bank AG
• Equifax Inc.
• Experian Information Solutions, Inc.
• Hogan Lovells International LLP
• HSBC Holdings PLC
• Industrial and Commercial Bank of China Limited
• JPMorgan Chase & Co.
• Mambu B.V.
• MIB Group, Inc.
• Mitsubishi UFJ Financial Group, Inc.
• PKF Littlejohn, LLP
• Synchrony Bank
• TransUnion LLC
• Walker Morris LLP
• Wells Fargo & Company
• Zopa Bank Limited

LIST OF FIGURES

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

LIST OF TABLES

• TABLE 1. CONSUMER CREDIT MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2023
• TABLE 3. GLOBAL CONSUMER CREDIT MARKET SIZE, 2018-2030 (USD MILLION)
• TABLE 4. GLOBAL CONSUMER CREDIT MARKET SIZE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 5. GLOBAL CONSUMER CREDIT MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 6. CONSUMER CREDIT MARKET DYNAMICS
• TABLE 7. GLOBAL CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 8. GLOBAL CONSUMER CREDIT MARKET SIZE, BY AUTO LOANS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 9. GLOBAL CONSUMER CREDIT MARKET SIZE, BY CREDIT CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 10. GLOBAL CONSUMER CREDIT MARKET SIZE, BY MORTGAGES, BY REGION, 2018-2030 (USD MILLION)
• TABLE 11. GLOBAL CONSUMER CREDIT MARKET SIZE, BY PERSONAL LOANS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 12. GLOBAL CONSUMER CREDIT MARKET SIZE, BY STUDENT LOANS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 13. GLOBAL CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 14. GLOBAL CONSUMER CREDIT MARKET SIZE, BY INSTALLMENT CREDIT, BY REGION, 2018-2030 (USD MILLION)
• TABLE 15. GLOBAL CONSUMER CREDIT MARKET SIZE, BY REVOLVING CREDIT, BY REGION, 2018-2030 (USD MILLION)
• TABLE 16. GLOBAL CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 17. GLOBAL CONSUMER CREDIT MARKET SIZE, BY BANKS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 18. GLOBAL CONSUMER CREDIT MARKET SIZE, BY CREDIT UNIONS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 19. GLOBAL CONSUMER CREDIT MARKET SIZE, BY ONLINE LENDERS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 20. AMERICAS CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 21. AMERICAS CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 22. AMERICAS CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 23. AMERICAS CONSUMER CREDIT MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 24. ARGENTINA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 25. ARGENTINA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 26. ARGENTINA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 27. BRAZIL CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 28. BRAZIL CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 29. BRAZIL CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 30. CANADA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 31. CANADA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 32. CANADA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 33. MEXICO CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 34. MEXICO CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 35. MEXICO CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 36. UNITED STATES CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 37. UNITED STATES CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 38. UNITED STATES CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 39. UNITED STATES CONSUMER CREDIT MARKET SIZE, BY STATE, 2018-2030 (USD MILLION)
• TABLE 40. ASIA-PACIFIC CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 41. ASIA-PACIFIC CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 42. ASIA-PACIFIC CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 43. ASIA-PACIFIC CONSUMER CREDIT MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 44. AUSTRALIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 45. AUSTRALIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 46. AUSTRALIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 47. CHINA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 48. CHINA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 49. CHINA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 50. INDIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 51. INDIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 52. INDIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 53. INDONESIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 54. INDONESIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 55. INDONESIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 56. JAPAN CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 57. JAPAN CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 58. JAPAN CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 59. MALAYSIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 60. MALAYSIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 61. MALAYSIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 62. PHILIPPINES CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 63. PHILIPPINES CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 64. PHILIPPINES CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 65. SINGAPORE CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 66. SINGAPORE CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 67. SINGAPORE CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 68. SOUTH KOREA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 69. SOUTH KOREA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 70. SOUTH KOREA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 71. TAIWAN CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 72. TAIWAN CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 73. TAIWAN CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 74. THAILAND CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 75. THAILAND CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 76. THAILAND CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 77. VIETNAM CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 78. VIETNAM CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 79. VIETNAM CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 80. EUROPE, MIDDLE EAST & AFRICA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 81. EUROPE, MIDDLE EAST & AFRICA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 82. EUROPE, MIDDLE EAST & AFRICA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 83. EUROPE, MIDDLE EAST & AFRICA CONSUMER CREDIT MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 84. DENMARK CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 85. DENMARK CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 86. DENMARK CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 87. EGYPT CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 88. EGYPT CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 89. EGYPT CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 90. FINLAND CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 91. FINLAND CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 92. FINLAND CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 93. FRANCE CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 94. FRANCE CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 95. FRANCE CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 96. GERMANY CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 97. GERMANY CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 98. GERMANY CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 99. ISRAEL CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 100. ISRAEL CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 101. ISRAEL CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 102. ITALY CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 103. ITALY CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 104. ITALY CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 105. NETHERLANDS CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 106. NETHERLANDS CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 107. NETHERLANDS CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 108. NIGERIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 109. NIGERIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 110. NIGERIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 111. NORWAY CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 112. NORWAY CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 113. NORWAY CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 114. POLAND CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 115. POLAND CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 116. POLAND CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 117. QATAR CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 118. QATAR CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 119. QATAR CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 120. RUSSIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 121. RUSSIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 122. RUSSIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 123. SAUDI ARABIA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 124. SAUDI ARABIA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 125. SAUDI ARABIA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 126. SOUTH AFRICA CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 127. SOUTH AFRICA CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 128. SOUTH AFRICA CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 129. SPAIN CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 130. SPAIN CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 131. SPAIN CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 132. SWEDEN CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 133. SWEDEN CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 134. SWEDEN CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 135. SWITZERLAND CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 136. SWITZERLAND CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 137. SWITZERLAND CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 138. TURKEY CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 139. TURKEY CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 140. TURKEY CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 141. UNITED ARAB EMIRATES CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 142. UNITED ARAB EMIRATES CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 143. UNITED ARAB EMIRATES CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 144. UNITED KINGDOM CONSUMER CREDIT MARKET SIZE, BY PRODUCT, 2018-2030 (USD MILLION)
• TABLE 145. UNITED KINGDOM CONSUMER CREDIT MARKET SIZE, BY REPAYMENT TYPE, 2018-2030 (USD MILLION)
• TABLE 146. UNITED KINGDOM CONSUMER CREDIT MARKET SIZE, BY PROVIDER, 2018-2030 (USD MILLION)
• TABLE 147. CONSUMER CREDIT MARKET SHARE, BY KEY PLAYER, 2023
• TABLE 148. CONSUMER CREDIT MARKET, FPNV POSITIONING MATRIX, 2023

The Consumer Credit Market was valued at USD 123.81 billion in 2023, expected to reach USD 130.93 billion in 2024, and is projected to grow at a CAGR of 5.81%, to USD 183.85 billion by 2030.

The Consumer Credit market encompasses various financial services allowing consumers to borrow money for personal use, repayable with interest over time. This sector includes credit cards, personal loans, mortgages, and auto loans, primarily designed to enhance consumer purchasing power. The necessity of consumer credit lies in its capacity to provide individuals with immediate access to funds, thereby fueling economic growth and improving living standards by enabling the purchase of goods and services without waiting for savings accumulation. Applications extend to retail financing, education loans, and real estate, with significant end-use spanning from everyday consumer spends to significant life events like home purchases or vehicle financing.

Market growth is influenced by factors such as technological advancements in financial services, increased consumer spending, and rising demand for digital lending platforms. Demographic shifts, notably the rising financial independence of millennial and Gen Z populations, also propel market expansion. Opportunities arise from the digital transformation of the financial sector, with fintech innovations like AI-driven credit scoring and blockchain contributing to more rapid, transparent, and secure lending processes. To seize these opportunities, stakeholders should invest in technology and customer-centric strategies to enhance user experience and accessibility.

Conversely, the consumer credit market faces limitations like stringent regulatory requirements and ongoing concerns regarding data privacy and cybersecurity in digital transactions. Economic downturns and rises in interest rates also pose challenges by reducing consumers' borrowing capacity and increasing default risks. Innovations that could drive future growth include personalized lending solutions using AI algorithms for risk assessment, expanding micro-lending facilities to underserved demographics, and developing sustainable credit products that align with environmentally responsible consumer behavior. The market's nature is dynamic, competitive, and increasingly oriented towards digital ecosystems. With financial institutions and fintechs investing in cutting-edge technologies, collaboration and strategic partnerships across sectors can unlock significant value, enhancing service delivery and promoting inclusive financial practices.

Market Dynamics: Unveiling Key Market Insights in the Rapidly Evolving Consumer Credit Market

The Consumer Credit 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
  • Increasing big-ticket purchases of homes and automobiles
  • Rising educational and healthcare expenses and need for external finance
  • Government initiatives encouraging financial inclusion and consumer credit
• Market Restraints
  • Changing interest rates or risk of default of debt payments
• Market Opportunities
  • Digitalization of consumer credit industry worldwide
  • Expanding marketing and promotion of consumer lending platforms
• Market Challenges
  • Concerns associated with loan scams and fraud

Porter's Five Forces: A Strategic Tool for Navigating the Consumer Credit Market

Porter's five forces framework is a critical tool for understanding the competitive landscape of the Consumer Credit 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 Consumer Credit Market

External macro-environmental factors play a pivotal role in shaping the performance dynamics of the Consumer Credit 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 Consumer Credit Market

A detailed market share analysis in the Consumer Credit 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 Consumer Credit Market

The Forefront, Pathfinder, Niche, Vital (FPNV) Positioning Matrix is a critical tool for evaluating vendors within the Consumer Credit 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 Consumer Credit Market

A strategic analysis of the Consumer Credit 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 Consumer Credit Market, highlighting leading vendors and their innovative profiles. These include Ballard Spahr LLP, Bank of America Corporation, Barclays PLC, BNP Paribas, Bovill Ltd., Certegy Payment Solutions, LLC, China Construction Bank, Citi Group, Credit Service Company, Inc., Creditsafe Business Solutions Limited, Deutsche Bank AG, Equifax Inc., Experian Information Solutions, Inc., Hogan Lovells International LLP, HSBC Holdings PLC, Industrial and Commercial Bank of China Limited, JPMorgan Chase & Co., Mambu B.V., MIB Group, Inc., Mitsubishi UFJ Financial Group, Inc., PKF Littlejohn, LLP, Synchrony Bank, TransUnion LLC, Walker Morris LLP, Wells Fargo & Company, and Zopa Bank Limited.

Market Segmentation & Coverage

This research report categorizes the Consumer Credit Market to forecast the revenues and analyze trends in each of the following sub-markets:

• Based on Product, market is studied across Auto Loans, Credit Cards, Mortgages, Personal Loans, and Student Loans.
• Based on Repayment Type, market is studied across Installment Credit and Revolving Credit.
• Based on Provider, market is studied across Banks, Credit Unions, and Online Lenders.
• 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. Increasing big-ticket purchases of homes and automobiles
    • 5.1.1.2. Rising educational and healthcare expenses and need for external finance
    • 5.1.1.3. Government initiatives encouraging financial inclusion and consumer credit
  • 5.1.2. Restraints
    • 5.1.2.1. Changing interest rates or risk of default of debt payments
  • 5.1.3. Opportunities
    • 5.1.3.1. Digitalization of consumer credit industry worldwide
    • 5.1.3.2. Expanding marketing and promotion of consumer lending platforms
  • 5.1.4. Challenges
    • 5.1.4.1. Concerns associated with loan scams and fraud
• 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. Consumer Credit Market, by Product

• 6.1. Introduction
• 6.2. Auto Loans
• 6.3. Credit Cards
• 6.4. Mortgages
• 6.5. Personal Loans
• 6.6. Student Loans

7. Consumer Credit Market, by Repayment Type

• 7.1. Introduction
• 7.2. Installment Credit
• 7.3. Revolving Credit

8. Consumer Credit Market, by Provider

• 8.1. Introduction
• 8.2. Banks
• 8.3. Credit Unions
• 8.4. Online Lenders

9. Americas Consumer Credit Market

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

10. Asia-Pacific Consumer Credit 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 Consumer Credit 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
• 12.4. Strategy Analysis & Recommendation

Companies Mentioned

• 1. Ballard Spahr LLP
• 2. Bank of America Corporation
• 3. Barclays PLC
• 4. BNP Paribas
• 5. Bovill Ltd.
• 6. Certegy Payment Solutions, LLC
• 7. China Construction Bank
• 8. Citi Group
• 9. Credit Service Company, Inc.
• 10. Creditsafe Business Solutions Limited
• 11. Deutsche Bank AG
• 12. Equifax Inc.
• 13. Experian Information Solutions, Inc.
• 14. Hogan Lovells International LLP
• 15. HSBC Holdings PLC
• 16. Industrial and Commercial Bank of China Limited
• 17. JPMorgan Chase & Co.
• 18. Mambu B.V.
• 19. MIB Group, Inc.
• 20. Mitsubishi UFJ Financial Group, Inc.
• 21. PKF Littlejohn, LLP
• 22. Synchrony Bank
• 23. TransUnion LLC
• 24. Walker Morris LLP
• 25. Wells Fargo & Company
• 26. Zopa Bank Limited