表紙:信用販売(BNPL):融資における規模の拡大と現状打破
市場調査レポート
商品コード
1004296

信用販売(BNPL):融資における規模の拡大と現状打破

Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending

出版日: | 発行: Mercator Advisory Group, Inc. | ページ情報: 英文 22 Pages, 11 Exhibits | 納期: 即日から翌営業日

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=110.07円
信用販売(BNPL):融資における規模の拡大と現状打破
出版日: 2021年05月07日
発行: Mercator Advisory Group, Inc.
ページ情報: 英文 22 Pages, 11 Exhibits
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

米国の信用販売(BNPL)の取引量は、2024年までに年間1,000億米ドルを超える見通しです。

BNPLは「新しい金融」ではなく、小売金融の近代化版です。BNPLは高い訴求力はありますが、クレジットポリシーが限定されているため、消費者は金銭的に無理をしないように小売店での購入を自己管理する必要があります。金融機関やその他の与信関係者は、フィンテック企業が積極的に口座を開設していることに注意を払う必要があり、また、フィンテック企業は、単一の取引にとどまらず、銀行が顧客のライフサイクルを管理する方法にも目を向ける必要があると考えられています。

当レポートは、信用販売(BNPL)について調査しており、市場概要、予測取引量、フィンテックの長所、短所、機会、脅威、クレジットカードとの比較、プライムレートの上昇に伴うBNPL無利子モデルの動向、フィンテックがBNPLにおいて赤字を出し続ける理由、信用政策などの情報を提供しています。

当レポートで言及されている企業: Afterpay, American Express, Avant, Bluevine, Capital One, Chase, Citi, Credit Intelligence, Discover, Dough Limited, Fatfish Group, FICO, General Electric Credit, GreenSky, Household Finance, Humm Group, IouPay, Kabbage, Klarna, Laybuy, Lending Point, LendingClub, Margeta, Mastercard, OnDeck, Openpay, OpyPay, PayPal, Payright, Petal Card, Prosper, QVC, Sezzle, SoFi, Splitit, Square, Synchrony, TD Bank, TSYS, Visa, Zebit, Zip, Zoot Solutions.

当レポートの図表の例:

目次

BNPL: U.S. volumes will surpass $100 billion annually by 2024.

Mercator Advisory Group's latest report suggests high credit losses, pricing issues, and competition will force model change.

Mercator Advisory Group released a report covering the Buy Now, Pay Later (BNPL) lending model, titled “Buy Now, Pay Later: Gaining Scale and Disrupting the Status Quo in Lending ” . The research explains the current market, discusses the strengths, weaknesses, opportunities, and threats to fintech, and explains the business and cashflow of this emerging credit option.

The research compares both consumer and merchant costs in comparison to credit cards. It dispels the claims that the product is a cheaper option for buyers and sellers. Research also covers the liberal credit policies used to gain scale, and suggests that fintechs consider tightening credit policies so that losses do not cannibalize profits.

"BNPL is not the "new thing" in lending; it is a modernized version of retail finance. There is certainly a high appeal, but with limited credit policies, consumers need to self-govern their retail purchasing so that they do not overextend themselves financially," comments Brian Riley , Director, Credit Advisory Service at Mercator Advisory Group, and the author of the research note. Riley continues, "Financial institutions and other players in the credit cycle need to pay attention to the way fintechs aggressively book accounts. Fintechs should not compromise their credit standards, but the rapid take-up indicates that credit card issuers must provide access to thin credit files, and watch customers mature. Fintechs also need to think beyond the single transaction and look at the way banks manage a customer's lifecycle.

This document contains 22 pages and 11 exhibits .

Companies mentioned in this research note include: Afterpay, American Express, Avant, Bluevine, Capital One, Chase, Citi, Credit Intelligence, Discover, Dough Limited, Fatfish Group, FICO, General Electric Credit, GreenSky, Household Finance, Humm Group, IouPay, Kabbage, Klarna, Laybuy, Lending Point, LendingClub, Margeta, Mastercard, OnDeck, Openpay, OpyPay, PayPal, Payright, Petal Card, Prosper, QVC, Sezzle, SoFi, Splitit, Square, Synchrony, TD Bank, TSYS, Visa, Zebit, Zip, Zoot Solutions.

One of the exhibits included in this report:

Highlights of the research note include:

  • Forecasted U.S. volumes through 2024, when they will exceed $100 billion
  • Placing the merchant at the center of the relationship, not the consumer
  • What will happen to the BNPL interest-free model when the prime rate rises
  • A discussion on interchange versus merchant discount and why credit cards can be cheaper
  • Market capitalization and why fintechs continue to lose money on BNPL