表紙：消費者クレジットの市場規模、シェア、成長分析、クレジットの種類別、サービスタイプ別、発行者別、支払方法別、用途別、地域別 - 産業予測 2025～2032年

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1722208

消費者クレジットの市場規模、シェア、成長分析、クレジットの種類別、サービスタイプ別、発行者別、支払方法別、用途別、地域別 - 産業予測 2025～2032年

Consumer Credit Market Size, Share, and Growth Analysis, By Credit Type, By Service Type, By Issuer, By Payment Method, By Application, By Region, And Segment Forecast, 2025-2032

出版日: 2025年05月04日
発行: SkyQuest
ページ情報: 英文 187 Pages
納期: 3～5営業日

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概要
目次

概要

サンプル依頼リストに入れる

消費者クレジットの世界市場規模は2023年に122億米ドルと評価され、2024年の128億米ドルから2032年には243億米ドルに成長し、予測期間（2025-2032年）のCAGRは7.8％で成長する見通しです。

新興国における金融の柔軟性に対する需要は、特に拡大する中間層の間で、個人向け融資ソリューションの緩やかな普及を促進しています。モバイルバンキングやオンライン融資プラットフォームなどのデジタル金融インフラの強化は、迅速な借り入れを容易にし、市場成長をさらに促進しています。人工知能やビッグデータのような先進技術の統合により、貸し手はリスクをより効果的に評価し、承認を合理化し、ローン商品をパーソナライズすることが可能になり、ハイテクに精通した消費者にアピールすることができます。しかし、規制上の課題やデータセキュリティに対する懸念が、長期的な進展を妨げる可能性があります。また、家計債務の増加も貸金業者のリスクを高める可能性があります。成長を維持するためには、業界各社は、規制状況を乗り切り、十分なサービスを受けていない地域の借り手の進化するニーズに対応しながら、革新性、安全性、責任ある融資のバランスをとる必要があります。

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
アジア太平洋地域
- 中国
- インド
- 日本
- 韓国
- その他アジア太平洋地域
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年）

主要企業プロファイル

Visa Inc.（United States）
Mastercard Incorporated（United States）
American Express Company（United States）
PayPal Holdings Inc.（United States）
Capital One Financial Corporation（United States）
Discover Financial Services（United States）
Synchrony Financial（United States）
SoFi Technologies Inc.（United States）
Ally Financial Inc.（United States）
OneMain Holdings Inc.（United States）
Credit Acceptance Corporation（United States）
Upstart Holdings Inc.（United States）
FirstCash Inc.（United States）
Affirm Holdings Inc.（United States）
Navient Corporation（United States）
Hilltop Holdings Inc.（United States）
PNC Financial Services Group（United States）
Bajaj Finance Limited（India）
L&T Finance Holdings Ltd（India）
Indian Railway Finance Corporation Ltd（India）

結論と提言

Product Code: SQMIG40G2015

Global Consumer Credit Market size was valued at USD 12.2 Billion in 2023 and is poised to grow from USD 12.8 Billion in 2024 to USD 24.3 Billion by 2032, growing at a CAGR of 7.8% during the forecast period (2025-2032).

The demand for financial flexibility in emerging economies is driving the gradual uptake of personal lending solutions, particularly among the expanding middle class. Enhanced digital financial infrastructures, such as mobile banking and online lending platforms, facilitate quicker borrowing, further propelling market growth. The integration of advanced technologies like artificial intelligence and big data allows lenders to assess risk more effectively, streamline approvals, and personalize loan products, appealing to tech-savvy consumers. However, regulatory challenges and concerns over data security may hinder long-term progress. Increased household debt could also raise risks for lenders. To sustain growth, industry players need to balance innovation, safety, and responsible lending while navigating regulatory landscapes and addressing the evolving needs of borrowers in underserved areas.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Consumer Credit 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.

Global Consumer Credit Market Segments Analysis

Global Consumer Credit Market is segmented by Credit Type, Service Type, Issuer, Payment Method, Application and region. Based on Credit Type, the market is segmented into Revolving Credits and Non-revolving Credits. Based on Service Type, the market is segmented into Credit Services and Software and IT Support Services. Based on Issuer, the market is segmented into Banks and Finance Companies, Credit Unions and Others. Based on Payment Method, the market is segmented into Direct Deposit, Debit Card and Others. Based on Application, the market is segmented into Debt Consolidation, Home Improvement, Education, Lifestyle & Travel, Emergency Use and Utility Bill Payments. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Consumer Credit Market

The global consumer credit market is significantly influenced by government-backed initiatives such as India's Digital Public Infrastructure and Brazil's Pix payment system, which aim to make credit accessible to a broader population. As reported by the World Bank, more than 40% of adults in developing nations utilized digital payment methods in 2023, enhancing credit accessibility via regulated fintech solutions and collaborations between the public and private sectors. These innovations are playing a crucial role in promoting financial inclusivity, ultimately driving the expansion and penetration of consumer credit in emerging economies around the world.

Restraints in the Global Consumer Credit Market

The Global Consumer Credit market faces significant restraint, as highlighted by the U.S. Federal Reserve's 2023 report, which reveals that credit card delinquencies have risen to 2.98%, the highest level since 2012. This increase serves as a concerning indicator of consumer strain driven by inflation and rising interest rates. Similar patterns are emerging globally, with the European Central Bank alerting stakeholders about escalating household debt risks. These trends pose challenges for lenders in maintaining portfolio quality and enforcing strict credit assessments, ultimately impacting their ability to navigate the complexities of the market effectively.

Market Trends of the Global Consumer Credit Market

The Global Consumer Credit market is witnessing a concerning trend as credit card delinquencies in the United States rise to 11.12%, reflecting increased economic pressure on consumers. With total credit card debt reaching $1.12 trillion by the end of 2024, the situation is exacerbated by soaring interest rates, often exceeding 20%, which hinder repayment capabilities. This trend suggests that consumers are likely entering prolonged debt cycles, leading to a surge in demand for financial products aimed at debt management and consolidation. This dynamic may influence market strategies, as lenders reassess risk and consumer-focused innovations emerge to mitigate rising delinquencies.

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
Regulatory Landscape
Case Studies
Technology Analysis

Global Consumer Credit Market Size by Credit Type & CAGR (2025-2032)

Market Overview
Revolving Credits
Non-revolving Credits

Global Consumer Credit Market Size by Service Type & CAGR (2025-2032)

Market Overview
Credit Services
Software and IT Support Services

Global Consumer Credit Market Size by Issuer & CAGR (2025-2032)

Market Overview
Banks and Finance Companies
Credit Unions
Others

Global Consumer Credit Market Size by Payment Method & CAGR (2025-2032)

Market Overview
Direct Deposit
Debit Card
Others

Global Consumer Credit Market Size by Application & CAGR (2025-2032)

Market Overview
Debt Consolidation
Home Improvement
Education
Lifestyle & Travel
Emergency Use
Utility Bill Payments

Global Consumer Credit Market Size & CAGR (2025-2032)

North America (Credit Type, Service Type, Issuer, Payment Method, Application)
- US
- Canada
Europe (Credit Type, Service Type, Issuer, Payment Method, Application)
- Germany
- Spain
- France
- UK
- Italy
- Rest of Europe
Asia Pacific (Credit Type, Service Type, Issuer, Payment Method, Application)
- China
- India
- Japan
- South Korea
- Rest of Asia-Pacific
Latin America (Credit Type, Service Type, Issuer, Payment Method, Application)
- Brazil
- Rest of Latin America
Middle East & Africa (Credit Type, Service Type, Issuer, Payment Method, Application)
- 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

Visa Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Mastercard Incorporated (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
American Express Company (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
PayPal Holdings Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Capital One Financial Corporation (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Discover Financial Services (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Synchrony Financial (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
SoFi Technologies Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Ally Financial Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
OneMain Holdings Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Credit Acceptance Corporation (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Upstart Holdings Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
FirstCash Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Affirm Holdings Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Navient Corporation (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Hilltop Holdings Inc. (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
PNC Financial Services Group (United States)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Bajaj Finance Limited (India)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
L&T Finance Holdings Ltd (India)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Indian Railway Finance Corporation Ltd (India)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments

消費者クレジットの市場規模、シェア、成長分析、クレジットの種類別、サービスタイプ別、発行者別、支払方法別、用途別、地域別 - 産業予測 2025～2032年

Consumer Credit Market Size, Share, and Growth Analysis, By Credit Type, By Service Type, By Issuer, By Payment Method, By Application, By Region, And Segment Forecast, 2025-2032

目次

イントロダクション

調査手法

エグゼクティブサマリー

市場力学と見通し

主な市場の考察

消費者クレジット市場規模：クレジットの種類別& CAGR（2025-2032）

消費者クレジット市場規模：サービスタイプ別& CAGR（2025-2032）

消費者クレジット市場規模：発行者別& CAGR（2025-2032）

消費者クレジット市場規模：支払方法別& CAGR（2025-2032）

消費者クレジット市場規模：用途別& CAGR（2025-2032）

消費者クレジット市場規模：地域別& CAGR（2025-2032）