表紙:BNPL:ベンダー戦略、規制の枠組み、市場予測(2021年~2026年)
市場調査レポート
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1014536

BNPL:ベンダー戦略、規制の枠組み、市場予測(2021年~2026年)

Buy Now Pay Later: Vendor Strategies, Regulatory Frameworks & Market Forecasts 2021-2026

出版日: | 発行: Juniper Research Ltd | ページ情報: 英文 | 納期: 即日から翌営業日

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BNPL:ベンダー戦略、規制の枠組み、市場予測(2021年~2026年)
出版日: 2021年06月14日
発行: Juniper Research Ltd
ページ情報: 英文
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

当レポートは、BNPLについて調査しており、市場の機会、5年間の詳細データと予測、ベンダー戦略、規制の枠組み、BNPLサービスの利点と課題、地域/国別の分析、競合情勢、主要企業のプロファイルなどの情報を提供しています。

当レポート参照の企業

  • 掲載:Acima, Affirm, Afterpay, Alma, Butter, Grab, Klarna, Laybuy, Openpay, PayPal, Quadpay, Sezzle, Tabby, Uplift, Zilch.
  • 言及:Addi, Adyen, Alchemy, AliPay, Altimeter, Amazon, Ant Financial Services Group, Apparel Group, Arbour Group, Asas Capital, ASIC (the Australian Securities and Investments Commission), ASOS, Atalaya Capital, Atome, BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), Baidu, Bank of Canada, Banking Commission, Banxico, BCB (the Central Bank of Brazil), Binance, BoE (Bank of England), Boohoo, Bpifrance, BRSA (Banking Regulation and Supervision Authority), Canadian House of Commons, Capital One Bank , Cardify.ai, CB (Central Bank of the Republic of Turkey), CFPB (the Consumer Financial Protection Bureau), Clearpay, CMA (Capital Market Authority), CMN (the National Monetary Council), CNBV (the Mexican Securities Regulator), Coatue, Committee of Financial Technology Institutions, Commonwealth Bank of Australia, Credit Suisse, Deloitte, Delta Airlines, DFC (the Department of Finance of Canada), Didier Valet, DNX Ventures, Dragoneer Investment Group, Durable Capital Partners, eBay, EC (European Commission), ePayLater, Eventbrite, Expedia, Experian Ventures, ezyVet, FCA (Financial Conduct Authority), FCAC (the Financial Consumer Agency of Canada), First Data, Flexpay, Foot Asylum, Founders Fund, GameStop, Gauss Ventures, General Assembly , GGV Capital, GIC, GoPay, H&M, Highgate Ventures, HM Treasury, HOF Capital, Honey, hoolah, HVF Labs, Idinvest Partners, IKEA, Instagram, Invesco, Isai, iZettle, JD.com, Kayak, Krungsri Finnovate, LazyPay, Lufthansa, M&F Fund, Macy's, Madrone Capital Partners, MAS (Monetary Authority of Singapore), McKinsey, METI (Ministry of Economy, Trade and Industry), Mitsubishi UFJ Financial Group, MOCI (Ministry of Commerce and Investments), Money Supermarket, MoneyTap, Morgan Stanley, Mubadala Capital, National Commission for the Defence of Users of Financial Services, Nelo, Ontario Securities Commission, Pagantis, Paidly, PAR Capital Management, PayBright, Payright, PBOC (People's Bank of China), Peloton, Permira, Picus Capital , PMOS (Prime Minister's Office of Singapore), PRA (Prudential Regulation Authority), PYMNTS, RBI (Reserve Bank of India), Returnly, Revo Technologies, Ridge Ventures, Royal Bank of Australia, SAMA (Saudi Arabian Monetary Agency), SCA (Securities and Commodities Authority), SCA (Swedish Consumer Agency), SCD (Sociedade de Crédito Direto), Seek Ventures, Sequoia Capital, SFSA (Financial Supervisory Authority), Shark Capital, Shopify, Signite Partners , Silverlake, Simon Nixon, Simpl, SOFORT AG, SoftBank Vision Fund, Southwest Airlines, Splitit, Sports Direct, Spotii, Stic Investment, Sutton Capital, Tamara, Target, Tencent, The Ascent, TikTok, TIS Japan , Toys R US, Tribe Capital, UAECB (Central Bank), United Airlines , Urge, Vibe, Victor Koch, Visa, Walmart, Wayfair, WeChat, Wilko, WireCard, Wix, WooCommerce, Xoom, Zara, Zip.

目次

第1章 要点と戦略的提言

  • 要点
  • 戦略的提言

第2章 デジタルBNPL-市場情勢

  • イントロダクション
  • 現在の小売およびeコマース市場
    • 見通し
    • 顧客
  • POSF(POSファイナンス)およびBNPL
    • デジタルBNPL
      • UVP(独自の価値提案)
      • 事業の型
    • デジタルBNPLの利点
      • カスタマービュー
      • マーチャントビュー
    • デジタルBNPLの課題
      • カスタマービュー
      • マーチャントビュー
    • 動向と将来の成長

第3章 デジタルBNPL:規制状況と将来の見通し

  • イントロダクション
  • 国レベルの規制の枠組み
    • 北米
      • 米国
      • カナダ
    • ラテンアメリカ
      • ブラジル
      • メキシコ
    • 西欧
      • 英国
      • ドイツ
      • スウェーデン
    • 中央および東欧
      • ロシア
      • トルコ
    • 極東と中国
      • 日本
      • 中国
    • その他アジア太平洋地域
      • オーストラリア
      • ニュージーランド
      • シンガポール
    • インド亜大陸
      • インド
    • アフリカと中東
      • イスラエル
      • アラブ首長国連邦
      • サウジアラビア
    • 結論

第4章 デジタルBNPL:競合情勢

  • ベンダー分析とリーダーボード
    • イントロダクション
    • 利害関係者の評価基準
    • 制限と解釈
  • ベンダープロファイル
    • Acima
    • Affirm
    • Afterpay
    • Alma
    • Butter
    • Grab
    • Klarna
    • Laybuy
    • Openpay
    • PayPal
    • Quadpay
    • Sezzle
    • Tabby
    • Uplift
    • Zilch

第5章 デジタルBNPL-市場予測

  • イントロダクション
  • 予測の調査手法と前提条件
  • デジタルBNPLとフレキシブルクレジット-市場の概要
    • ユニークユーザー
    • 取引数
    • 取引額
    • プラットフォームの収益
  • デジタルBNPL-サマリー
    • 取引数
  • フレキシブルクレジットソリューション-サマリー
    • 取引数
目次

Juniper Research's new “Buy Now Pay Later” research offers an in-depth assessment of the opportunities present in this rapidly growing market. The report assesses the success of buy now pay later services to date, and provides a future outlook for the evolution and adoption of buy now pay later services, supported by extensive analysis of regulatory frameworks. The report features an in depth look into the benefits and challenges of using buy now pay later services. It also analyses 15 leading buy now pay later vendors via a Juniper Research Leaderboard.

The report provides industry benchmark forecasts for the market; covering buy now pay later usage, transaction volume, transaction value and platform revenue, split by instalment buy now pay later services and flexible credit services, as well as by online vs mobile, by our 8 key regions and by 25 countries.

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-year Deep Dive Data & Forecasting (PDF/IFxl)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Buy Now Pay Later Sector Dynamics: Analysis of key trends and primary challenges across the buy now pay later space; including the following elements:
    • The growth of eCommerce and the drivers of buy now pay later growth
    • Consumer behaviour in the wake of the pandemic
    • How regulation will shape the future of the buy now pay later market
  • Buy Now Pay Later Regulatory Assessment: Specific assessment of how regulatory landscapes are evolving in the buy now pay later space, with the frameworks across 18 separate key countries analysed for current rules and anticipated future impacts.
  • Juniper Research Buy Now Pay Later Leaderboard: 15 key buy now pay later vendors positioned on the Juniper Research Leaderboard; accompanied by heatmap-based scoring and individual player analysis. Vendors covered include:
    • Acima
    • Affirm
    • Afterpay
    • Alma
    • Butter
    • Grab
    • Klarna
    • Laybuy
    • Openpay
    • PayPal
    • Quadpay
    • Sezzle
    • Tabby
    • Uplift
    • Zilch
  • Benchmark Industry Forecasts: Forecasts sizing markets up to 2026 for buy now pay later usage, transaction volume, transaction value and platform revenue, split by instalment buy now pay later services and flexible credit services, as well as by online vs mobile, and by our 8 key regions and by the 25 countries below:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. What is the anticipated market size for buy now pay later solutions over the next 5 years?
  • 2. What is the regulatory outlook for the buy now pay later market?
  • 3. What challenges are there to further buy now pay later growth?
  • 4. Who are the key disruptors in this space, and what strategies are vendors employing?
  • 5. How is the industry expected to develop over the next 5 years?

COMPANIES REFERENCED

  • Included in Juniper Research Leaderboard: Acima, Affirm, Afterpay, Alma, Butter, Grab, Klarna, Laybuy, Openpay, PayPal, Quadpay, Sezzle, Tabby, Uplift, Zilch.
  • Mentioned: Addi, Adyen, Alchemy, AliPay, Altimeter, Amazon, Ant Financial Services Group, Apparel Group, Arbour Group, Asas Capital, ASIC (the Australian Securities and Investments Commission), ASOS, Atalaya Capital, Atome, BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), Baidu, Bank of Canada, Banking Commission, Banxico, BCB (the Central Bank of Brazil), Binance, BoE (Bank of England), Boohoo, Bpifrance, BRSA (Banking Regulation and Supervision Authority), Canadian House of Commons, Capital One Bank , Cardify.ai, CB (Central Bank of the Republic of Turkey), CFPB (the Consumer Financial Protection Bureau), Clearpay, CMA (Capital Market Authority), CMN (the National Monetary Council), CNBV (the Mexican Securities Regulator), Coatue, Committee of Financial Technology Institutions, Commonwealth Bank of Australia, Credit Suisse, Deloitte, Delta Airlines, DFC (the Department of Finance of Canada), Didier Valet, DNX Ventures, Dragoneer Investment Group, Durable Capital Partners, eBay, EC (European Commission), ePayLater, Eventbrite, Expedia, Experian Ventures, ezyVet, FCA (Financial Conduct Authority), FCAC (the Financial Consumer Agency of Canada), First Data, Flexpay, Foot Asylum, Founders Fund, GameStop, Gauss Ventures, General Assembly , GGV Capital, GIC, GoPay, H&M, Highgate Ventures, HM Treasury, HOF Capital, Honey, hoolah, HVF Labs, Idinvest Partners, IKEA, Instagram, Invesco, Isai, iZettle, JD.com, Kayak, Krungsri Finnovate, LazyPay, Lufthansa, M&F Fund, Macy's, Madrone Capital Partners, MAS (Monetary Authority of Singapore), McKinsey, METI (Ministry of Economy, Trade and Industry), Mitsubishi UFJ Financial Group, MOCI (Ministry of Commerce and Investments), Money Supermarket, MoneyTap, Morgan Stanley, Mubadala Capital, National Commission for the Defence of Users of Financial Services, Nelo, Ontario Securities Commission, Pagantis, Paidly, PAR Capital Management, PayBright, Payright, PBOC (People's Bank of China), Peloton, Permira, Picus Capital , PMOS (Prime Minister's Office of Singapore), PRA (Prudential Regulation Authority), PYMNTS, RBI (Reserve Bank of India), Returnly, Revo Technologies, Ridge Ventures, Royal Bank of Australia, SAMA (Saudi Arabian Monetary Agency), SCA (Securities and Commodities Authority), SCA (Swedish Consumer Agency), SCD (Sociedade de Crédito Direto), Seek Ventures, Sequoia Capital, SFSA (Financial Supervisory Authority), Shark Capital, Shopify, Signite Partners , Silverlake, Simon Nixon, Simpl, SOFORT AG, SoftBank Vision Fund, Southwest Airlines, Splitit, Sports Direct, Spotii, Stic Investment, Sutton Capital, Tamara, Target, Tencent, The Ascent, TikTok, TIS Japan , Toys R US, Tribe Capital, UAECB (Central Bank), United Airlines , Urge, Vibe, Victor Koch, Visa, Walmart, Wayfair, WeChat, Wilko, WireCard, Wix, WooCommerce, Xoom, Zara, Zip.

DATA & INTERACTIVE FORECAST

Juniper Research's “Buy Now Pay Later” forecast suite includes:

  • Forecast splits for 8 key regions, as well as 25 country-level data splits for:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US
  • Forecasts include buy now pay later usage, transaction volume, transaction value and platform revenue, split by instalment buy now pay later services and flexible credit services, as well as by mobile versus online usage.
  • Interactive Scenario Tool allowing users to manipulate Juniper Research's data for 10 different metrics.
  • Access to the full set of forecast data of 71 tables and more than 15,000 datapoints.

Juniper Research's highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase the clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways & Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Digital Buy Now Pay Later - Market Landscape

  • 2.1 Introduction
  • 2.2 Current Retail and eCommerce Market
    • 2.2.1 Outlook
      • Figure 2.1: Digital Habits Adopted during the COVID-19 Pandemic
    • 2.2.2 Customers
  • 2.3 POSF (Point of Sale Financing) and BNPL
    • 2.3.1 Digital BNPL
      • i. UVP (Unique Value Proposition)
      • ii. Business Model
        • Figure 2.2: The Flywheel Model
        • Figure 2.3: Digital BNPL Flywheel Model
    • 2.3.2 Benefits of Digital BNPL
      • i. Customer View
        • Figure 2.4: Reasons for Using Online Payments
      • ii. Merchant View
    • 2.3.3 Challenges of Digital BNPL
      • i. Customer View
      • ii. Merchant View
    • 2.3.4 Trends and Future Growth
      • Figure 2.5: Younger Shoppers' Preferences on BNPL

3. Digital Buy Now Pay Later: Regulatory Landscape and Future Outlook

  • 3.1 Introduction
  • 3.2 Country-level Regulatory Frameworks
    • 3.2.1 North America
      • i. US
      • ii. Canada
    • 3.2.2 Latin America
      • i. Brazil
      • ii. Mexico
    • 3.2.3 West Europe
      • i. UK
      • ii. Germany
      • iii. Sweden
    • 3.2.4 Central and East Europe
      • i. Russia
      • ii. Turkey
    • 3.2.5 Far East and China
      • i. Japan
      • ii. China
        • Figure 3.1: Consumer Loans' Contribution to China's Retail Sales, 2013-2019
        • Figure 3.2: China's Estimated Consumer Credit Market Size, RMB Trillion, 2017-2025
    • 3.2.6 Rest of Asia Pacific
      • i. Australia
      • ii. New Zealand
      • iii. Singapore
    • 3.2.7 Indian Subcontinent
      • i. India
    • 3.2.8 Africa and the Middle East
      • i. Israel
      • ii. United Arab Emirates
      • iii. Saudi Arabia
    • 3.2.9 Conclusion

4. Digital Buy Now Pay Later: Competitive Landscape

  • 4.1 Vendor Analysis & Leaderboard
    • 4.1.1 Introduction
    • 4.1.2 Stakeholder Assessment Criteria
      • Table 4.1: Digital BNPL Player Capability Criteria
      • Figure 4.2: Juniper Research Digital BNPL Vendor Leaderboard
      • Table 4.3: Digital BNPL Leaderboard Scoring
    • 4.1.3 Limitations & Interpretation
  • 4.2 Vendor Profiles
    • 4.2.1 Acima
    • 4.2.2 Affirm
      • Table 4.7: Affirm's Funding Rounds (2014-2021)
    • 4.2.3 Afterpay
      • Table 4.6: Afterpay's Funding Rounds
    • 4.2.4 Alma
      • Table 4.12: Alma's Funding Rounds
    • 4.2.5 Butter
    • 4.2.6 Grab
      • Table 4.10: Grab's Funding Rounds March 2019-February 2021
    • 4.2.7 Klarna
      • Table 4.4: Klarna's Funding Rounds January 2020-March 2021
    • 4.2.8 Laybuy
    • 4.2.9 Openpay
    • 4.2.10 PayPal
      • Figure 4.5: PayPal Pay in 3 and PayPal Pay in 4
    • 4.2.11 Quadpay
      • Figure 4.11: Quadpay's Offer
    • 4.2.12 Sezzle
      • Table 4.8: Sezzle's Funding Rounds
    • 4.2.13 Tabby
      • Table 4.14: Tabby Funding Rounds
    • 4.2.14 Uplift
      • Table 4.9: Uplift's Funding Rounds
    • 4.2.15 Zilch
      • Table 4.13: Zilch Funding Rounds

5. Digital Buy Now Pay Later - Market Forecasts

  • 5.1 Introduction
  • 5.2 Forecast Methodology & Assumptions
    • Figure 5.1: Digital BNPL Forecast Methodology
  • 5.3 Digital BNPL & Flexible Credit - Market Summary
    • 5.3.1 Unique Users
      • Figure & Table 5.2: Total Number of Digital BNPL & Flexible Credit Unique Users (m), Split by 8 Key Regions, 2021-2026
    • 5.3.2 Number of Transactions
      • Figure & Table 5.3: Total Digital BNPL & Flexible Credit Transaction Volume (m), Split by 8 Key Regions, 2021-2026
    • 5.3.3 Transaction Value
      • Figure & Table 5.4: Total Digital BNPL & Flexible Credit Transaction Value ($m), Split by 8 Key Regions, 2021-2026
    • 5.3.4 Platform Revenue
      • Figure & Table 5.5: Total Digital BNPL & Flexible Credit Platform Revenue ($m), Split by 8 Key Regions, 2021-2026
  • 5.4 Digital BNPL - Summary
    • 5.4.1 Transaction Values
      • Figure & Table 5.6: Total Digital BNPL Transaction Value ($m), Split by 8 Key Regions, 2021-2026
  • 5.5 Flexible Credit Solutions - Summary
    • 5.5.1 Transaction Values
      • Figure & Table 5.7: Total Flexible Credit Solutions Transaction Value ($m), Split by 8 Key Regions, 2021-2026