BNPL（Buy Now Pay Later）の市場規模、シェア、成長分析：流通チャネル別、企業規模別、人口統計学別、最終用途別、地域別 - 産業予測、2025年年～2032年

BNPL（Buy Now Pay Later）の市場規模は2023年320億3,000万米ドルとなり、2024年の392億7,000万米ドルから2032年までには2,004億3,000万米ドルに成長し、予測期間（2025年～2032年）のCAGRは22.6%で推移する見通しです。

BNPL（Buy Now Pay Later）サービスは、消費者が商品やサービスをすぐに入手し、無利子の分割払いで支払いを繰り延べることを可能にします。BNPLの採用が急増している背景には、消費者の選好が進化し、分割払いベースの支払いプランへの傾倒が高まっていることがあります。eコマースセクターの急速な拡大とオンラインショッピングプラットフォームの人気の高まりは、BNPLプロバイダーにとって有利な環境を作り出しています。柔軟な支払いオプションを求める消費者の欲求や、金融包摂性を高める取り組みが、BNPLサービスの需要をさらに高めています。しかし、BNPL市場はその成長を妨げる可能性のあるいくつかの課題に直面しています。BNPLの利用者は、負債負担が大きく信用スコアが低いという特徴を持つ、よりリスクの高い信用プロファイルを持っていることが多いため、消費者の負債レベルの上昇は重大な懸念事項です。この層は一般的に若く、教育水準が低いため、金融不安を助長する可能性があります。さらに、BNPLサービスに関連する潜在的リスクに関する消費者の認識不足は、使い過ぎ、返済管理の困難さ、債務の累積といった問題につながる可能性があります。BNPLセクターはまた、多数のプロバイダーが市場に参入する激しい競合にも直面しており、個々の企業が差別化を図り、収益性を維持することは困難です。こうした課題にもかかわらず、BNPL市場は、便利で柔軟な支払いソリューションを求める消費者の需要に後押しされ、成長を続けています。市場の拡大は、技術の進歩やさまざまな小売プラットフォームへのBNPLオプションの統合によってさらに後押しされています。しかし、BNPL業界の持続的成長には、関連リスクへの対処と責任ある融資慣行の確保が不可欠です。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主要な市場の考察

• 主要成功要因
• 競合の程度
• 主要な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• 顧客と購買基準の分析

世界のBNPL（Buy Now Pay Later）市場規模：流通チャネル別・CAGR（2025年～2032年）

• 市場概要
• 販売時点情報管理
• オンライン

世界のBNPL（Buy Now Pay Later）市場規模：企業規模別・CAGR（2025年～2032年）

• 市場概要
• 中小企業
• 大企業

世界のBNPL（Buy Now Pay Later）市場規模：人口統計別・CAGR（2025年～2032年）

• 市場概要
• 18歳未満
• 18～40歳
• 40歳以上

世界のBNPL（Buy Now Pay Later）市場規模：最終用途別・CAGR（2025年～2032年）

• 市場概要
• BFSI
• 小売業・電子商取引
• ヘルスケア
• メディア・エンターテイメント
• 旅行・観光
• 自動車
• その他

世界のBNPL（Buy Now Pay Later）市場規模・CAGR（2025年～2032年）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024）

主要企業プロファイル

• Affirm Holdings Inc.（United States）
• Klarna Bank AB（Sweden）
• Sezzle Inc.（United States）
• Perpay Inc.（United States）
• Zip Co Limited（Australia）
• PayPal Holdings, Inc.（United States）
• Billie GmbH（Germany）
• Splitit Payments Ltd.（United States）
• LatitudePay Australia Pty Ltd（Australia）
• Laybuy Holdings Limited（New Zealand）
• LazyPay Private Limited（India）
• Openpay Group Ltd（Australia）
• Payl8r（Social Money Limited）（United Kingdom）
• Uplift, Inc.（United States）
• Tabby（United Arab Emirates）
• Tamara（Saudi Arabia）
• ViaBill（Denmark）
• Zilch（United Kingdom）
• Atome（Singapore）

結論と提言

Buy Now Pay Later Market size was valued at USD 32.03 Billion in 2023 and is poised to grow from USD 39.27 Billion in 2024 to USD 200.43 Billion by 2032, growing at a CAGR of 22.6% during the forecast period (2025-2032).

Buy Now, Pay Later (BNPL) services allow consumers to acquire goods or services immediately and defer payments through interest-free installments. The surge in BNPL adoption is driven by evolving consumer preferences and a growing inclination toward installment-based payment plans. The rapid expansion of the e-commerce sector and the increasing popularity of online shopping platforms have created a favorable environment for BNPL providers. Consumers' desire for flexible payment options and efforts to enhance financial inclusivity further bolster the demand for BNPL services. However, the BNPL market faces several challenges that could hinder its growth. Rising consumer debt levels are a significant concern, as BNPL users often have riskier credit profiles, characterized by higher debt burdens and lower credit scores. This demographic is typically younger and less educated, which may contribute to financial instability. Additionally, a lack of consumer awareness about the potential risks associated with BNPL services can lead to issues such as overspending, difficulties in managing repayments, and accumulating debt. The BNPL sector also faces intense competition, with numerous providers entering the market, making it challenging for individual companies to differentiate themselves and maintain profitability. Despite these challenges, the BNPL market continues to grow, driven by consumer demand for convenient and flexible payment solutions. The market's expansion is further supported by technological advancements and the integration of BNPL options into various retail platforms. However, addressing the associated risks and ensuring responsible lending practices are crucial for the sustainable growth of the BNPL industry.

Top-down and bottom-up approaches were used to estimate and validate the size of the Buy Now Pay Later market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Buy Now Pay Later Market Segments Analysis

Global Buy Now Pay Later Market is segmented by Distribution Channel, Enterprise Size, Demographic, End Use and region. Based on Channel, the market is segmented into Point-of-sale and Online. Based on Enterprise Size, the market is segmented into Small & Medium Enterprises and Large Enterprises. Based on Demographic, the market is segmented into Under 18 years, 18-40 years and Above 40 years. Based on End Use, the market is segmented into BFSI, Retail & eCommerce, Healthcare, Media & Entertainment, Travel & Tourism, Automotive and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Buy Now Pay Later Market

The rapid evolution of consumer preferences has led to a heightened demand for flexible payment solutions. Buy Now, Pay Later (BNPL) services cater to this need by enabling consumers to acquire products immediately and distribute the payment over manageable, interest-free installments, thereby alleviating immediate financial pressure. This shift has significantly propelled the growth of the BNPL market. This trend underscores the increasing consumer inclination toward payment flexibility and the pivotal role BNPL services play in accommodating this preference.

Restraints in the Buy Now Pay Later Market

Buy Now, Pay Later (BNPL) services have broadened consumer access to credit, including individuals with less established or riskier credit profiles. This inclusivity has led to increased concerns about rising bad debt within the BNPL sector. Notably, BNPL users are often younger, carry higher debt burdens, and possess lower credit scores compared to traditional credit users. Consequently, late payments and losses in the BNPL industry are higher than those associated with credit cards. Additionally, approximately 20% of BNPL borrowers are heavy users, originating more than one loan per month, which heightens the risk of overextension and default. These factors contribute to increased bad debt for BNPL providers, potentially hindering the market's growth prospects.

Market Trends of the Buy Now Pay Later Market

Buy Now, Pay Later (BNPL) providers have predominantly focused on the e-commerce and retail sectors. To fully harness market potential, expanding into industries such as healthcare and automotive is essential. This diversification not only broadens consumer access to flexible payment options but also mitigates risks associated with reliance on a single sector. Notably, consumers are increasingly utilizing BNPL services for expenses like auto repairs and elective healthcare procedures. Additionally, BNPL providers are targeting sectors like healthcare, education, and travel to drive new revenue streams. By venturing into these new verticals, BNPL companies can enhance financial inclusivity and drive sustainable growth.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Customer & Buying Criteria Analysis

Global Buy Now Pay Later Market Size by Distribution Channel & CAGR (2025-2032)

• Market Overview
• Point-of-sale
• Online

Global Buy Now Pay Later Market Size by Enterprise Size & CAGR (2025-2032)

• Market Overview
• Small & Medium Enterprises
• Large Enterprises

Global Buy Now Pay Later Market Size by Demographic & CAGR (2025-2032)

• Market Overview
• Under 18 years
• 18-40 years
• Above 40 years

Global Buy Now Pay Later Market Size by End Use & CAGR (2025-2032)

• Market Overview
• BFSI
• Retail & eCommerce
• Healthcare
• Media & Entertainment
• Travel & Tourism
• Automotive
• Others

Global Buy Now Pay Later Market Size & CAGR (2025-2032)

• North America (Distribution Channel, Enterprise Size, Demographic, End Use)
  • US
  • Canada
• Europe (Distribution Channel, Enterprise Size, Demographic, End Use)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Distribution Channel, Enterprise Size, Demographic, End Use)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Distribution Channel, Enterprise Size, Demographic, End Use)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Distribution Channel, Enterprise Size, Demographic, End Use)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Affirm Holdings Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Klarna Bank AB (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sezzle Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Perpay Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zip Co Limited (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Billie GmbH (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Splitit Payments Ltd. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• LatitudePay Australia Pty Ltd (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Laybuy Holdings Limited (New Zealand)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• LazyPay Private Limited (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Openpay Group Ltd (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Payl8r (Social Money Limited) (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Uplift, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tabby (United Arab Emirates)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tamara (Saudi Arabia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ViaBill (Denmark)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zilch (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Atome (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations