表紙:BNPL業界の欧州市場と動向:2021年
市場調査レポート
商品コード
1001383

BNPL業界の欧州市場と動向:2021年

Europe Buy Now Pay Later Industry and Trends 2021

出版日: | 発行: yStats.com GmbH & Co. KG | ページ情報: 英文 67 Pages | 納期: 即日から翌営業日

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BNPL業界の欧州市場と動向:2021年
出版日: 2021年04月20日
発行: yStats.com GmbH & Co. KG
ページ情報: 英文 67 Pages
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

世界中で2020年に起こった経済的混乱の結果として、BNPLサービスは加盟店と消費者の両方から特別な注目を集めました。欧州では、支払オプションは小売業者の5分の1によって提供されており、クレジットカードを受け入れる小売業者の割合と比較して、シェアはそれほど大きくはありません。また、欧州市場はBNPLサービスに特に適しています。これは、その前身である請求書による支払が一部の市場に長い間存在していたため、この方法がドイツ、オーストリア、スイスの多くの消費者の習慣になっているためです。

当レポートでは、欧州のBNPL市場の現状と動向について調査分析し、主要なBNPLサービスプロバイダーを含む、欧州の業界の発展について、体系的な情報を提供しています。

目次

第1章 マネジメントサマリー

第2章 世界の概要

  • BNPL規制の概要
  • BNPLの動向と加盟店のメリット
  • 旅行関連のサービスを予約する際の支払方法の内訳、BNPLを含む、成人旅行者に占める割合

第3章 欧州

  • 越境BNPLのシェア、越境BNPLトランザクション総額の割合
  • BNPLスタートアップの概要、Tymit、Montonio、Revo、Zilch、Almaを含む
  • 加盟店が提供する主要な支払方法の内訳、加盟店の「成長」・「非成長」の考え方、BNPLを含む
  • 使用されたクレジット・BNPLプロバイダーの内訳、回答者の割合
  • クレジットカードまたは当座預金口座へのBNPLの追加を希望する消費者のシェア、BNPLユーザーの割合
  • 分割払、その後の一括払を好むBNPLユーザーのシェア
  • 平均顧客債務(GBP)、BNPLサービスプロバイダー別、年齢層別
  • 平均BNPL返済期間(月単位)、BNPLサービスプロバイダー別、年齢層別
  • 利用可能なBNPLオプションに多くを支出した回答者のシェア、BNPLペイメントを逃した回答者のシェア
  • BNPL利用事例の内訳、BNPLユーザーの割合、など

第4章 主要なBNPLサービスプロバイダー:Klarna

第5章 主要なBNPLサービスプロバイダー:Afterpay

第6章 主要なBNPLサービスプロバイダー:Affirm

第7章 BNPLサービスを提供するペイメントファシリテーター

  • さまざまなファシリテーターによるBNPL活動の概要、Stripe、Mastercard、Shopifyを含む
  • BNPLペイメントを逃したPayPalクレジットのユーザーのシェア
目次
Product Code: 1524

Buy now, pay later services have gained momentum during the pandemic: new yStats.com report.

The latest publication from Germany-based online research firm yStats.com, “ Europe Buy Now Pay Later Industry and Trends 2021 ” offers a comprehensive overview of the European BNPL industry and market trends. The publication reveals that European consumers are welcoming BNPL providers during the health crisis and this has spurred established providers as well as newcomers to act fast to win market shares.

The European market provides new perspectives for BNPL service providers

As a result of economic disruptions that happened in 2020 worldwide, BNPL services enjoyed special attention both from merchants and consumers. In Europe, the payment option was offered by one-fifth of retailers, and despite the share being not extremely large, compared to the percentage of retailers accepting credit cards, it still looks encouraging. Moreover, the European market is especially suitable for BNPL services, as their predecessor - payments by invoice - was present on some of the markets for a long time, so that this method becomes a habit of many consumers in Germany, Austria and Switzerland. In these countries, furthermore, invoice payments are still strongly preferred over payments in installments. Nonetheless, in Germany, close to half of those who were aware of the BNPL payment services in 2020, have already used it, and the top expectation of German consumers from the BNPL services were "transparent conditions" and "no interest rate". Furthermore, a sampling of UK consumers regarding BNPL options showed that the majority of respondents prefer installment payments, rather than paying full amount later, according the new yStats.com publication.

Established BNPL service providers will have to compete with newcomers in Europe

In 2020 and 2021, during COVID-19, giant BNPL service providers such as Klarna and Afterpay underwent high growth rates. These players significantly expanded their customer base in Europe, and their revenues soared. Nevertheless, the net profits did not enjoy such growth, as they opted for new projects and further market expansion. Sweden-based Klarna, in June 2020 expanded its services to Spain and in February 2021 the company announced plans to offer banking services in Germany. Meanwhile, PayPal opened its BNPL services for French consumers in July 2020. At the same time, several local BNPL newcomers attracted significant capital investments during the health crisis, including Alma, ViaBill, Twisto, Zilch, and Revo, according to the yStats report.

Growth of the BNPL practice attracts the attention of government regulators

In many countries worldwide, local payment authorities raised concerns about the current state of the BNLP industry regulations. Often the practice does not fit the definition of traditional loans, which require interest rate payments, so special rules are needed for these services. For example, in Europe, the European Commission announced the update of current consumer credit agreements to include BNPL service providers and the UK's Financial Conduct Authority is to introduce new regulations in 2021. National and regional regulators are mainly concerned about consumer default issues due to overspending and lack of transparency about the BNPL service conditions, as detailed in the new yStats.com market report.

Covered Regions:

Europe.

Companies Mentioned:

Klarna, Afterpay, Affirm, QuadPay, Mastercard, Splitit, Divido, Amazon, PayPal, Visa, Google Pay, Apple Pay, Stripe, Greensky, Alma, ViaBill, Twisto, Zilch, Revo, Tymit, Blik, PayBright, Clearbanc.

Table of Contents

1. Management Summary

2. Global Overview

  • BNPL Regulations Overview, March 2021
  • BNPL Trends and Benefits for Merchants, March 2021
  • Breakdown of Payment Methods When Booking a Service Related to Travel, incl. BNPL, in % of Adult Travelers, 2020

3. Europe

  • Share of Cross-Border BNPL, in % of Total Cross-Border BNPL Transaction Value, 2025f
  • Overview of BNPL Startups, incl. Tymit, Montonio, Revo, Zilch, and Alma, March 2021
  • Breakdown of Select Payment Methods Offered by Merchants, by "Growth" and "Non-Growth" Mindsets of Merchants, incl. BNPL, in %, September 2020
  • Breakdown of Credit and BNPL Providers Used, in % of Respondents, October 2020
  • Share of Consumers Who Would Like BNPL Added to the Credit Card or Current Account, in % of BNPL Users, October 2020
  • Share of BNPL Users who Prefer to Pay via Installments, and in One Later Lump-Sum Payment, in %, October 2020
  • Average Customer Debt, in GBP, by BNPL Service Providers, and by Age Groups, August 2020
  • Average BNPL Time to Pay Back, in months, by BNPL Service Providers, and by Age Groups, August
  • Share of Respondents Who Spent More due to BNPL Option Available, and Share of Respondents Who Missed a BNPL Payment, in %, October 2020
  • Breakdown of BNPL Usage Cases, in % of BNPL Users, August 2020
  • Breakdown of Payment Methods in Online Shopping, in % of the Total E-Commerce Transaction Value, July 2020
  • Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
  • Breakdown of Reasons to Choose an Online Payment Methods, in % of Respondents, December 2020
  • Overview of Oney Bank' BNPL Activity, March 2021
  • Breakdown of Top Requirements to a BNPL provider, in % of Respondents, 2020
  • Breakdown of the Channels of the Last BNPL Payment, and the Potential BNPL Channel, in % of Respondents, 2020
  • BNPL Adoption Rate, in % of Respondents Aware of BNPL, and Breakdown of Respondents Attitude Towards BNPL Usage in the Future, by Consumer Type, in % of BNPL Users, 2020
  • Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
  • Breakdown of Reasons to Choose an Online Payment Method, in % of Respondents, December 2020
  • Breakdown of Payment Methods Used for Online Purchases, in % of Respondents, December 2020
  • Breakdown of Reasons to Choose an Online Payment Methods, in % of Respondents, December 2020
  • Overview of BNPL Service Providers, incl. Alma and PayPal, April 2021
  • Breakdown of Payment Methods Offered, incl. Deferred and Installment Payments, in % of Online Retailers, October 2020
  • Top 5 Banks Offering BNPL Financing, by Value, in RUB billion, by Market Share, in % of the Total BNPL Financing Value, and Year-on-Year Change, in %, October 2020

4. Major BNPL Service Provider: Klarna

  • Klarna's Activity Overview, March 2021
  • Top 10 CNBC Disruptor Companies, incl. Klarna, June 2020
  • Klarna's Total Net Operating Income, and Net Profit, in SEK thousands, 2016 - 2020
  • Overall Number of Klarna's Users, and Klarna's Monthly Active App Users, in millions, 2019 & 2020
  • Terms of Use of Klarna's Services, incl. Pay in 4, Pay in 30, Pay Now, and Financing, March 2021
  • Share of Klarna's User Who Ever Missed a BNPL Payment, in %, October 2020

5. Major BNPL Service Provider: Afterpay

  • Afterpay's Activity Overview, March 2021
  • Overview of Afterpay's, PayPal's and CommBank's BNPL Service, incl. credit check, individual purchase price, max credit limit, Use Cases, Payment Plan, and Late Fees, March 2021
  • Afterpay's Underlying Sales, Net Transaction Margin, Gross Losses, Total Income, Active Customers, Merchants, FY 2016 - FY 2020, and Year-on-Year Change, in %, FY 2020
  • Share of Transactions via Afterpay that are Paid Back on Time, in %, February 2021
  • Afterpay's Share of Late Fees, in % of Afterpay's Total Income, February 2021

6. Major BNPL Service Provider: Affirm

  • Affirm's Activity Overview, March 2021
  • Overview of Affirms's Key Financial Metrics, incl. GMV, Total Revenue, Transaction Costs, and Adjusted Operating Loss, Q4 2019, Q4 2020, H2 2019, H2 2020
  • Overview of Affirms's Key Financial Metrics, incl. GMV, Total Revenue, Transaction Costs, Adjusted Operating Loss, and Weighted Average Shares Outstanding, Fiscal Q3 2021e, and Fiscal 2021f
  • Affirms's Active Users, in millions, December 2019, June 2020, and December 2020

7. Payment Facilitators Offering BNPL Services

  • Various Facilitators' BNPL Activity Overview, incl. Stripe, Mastercard, and Shopify, March 2021
  • Share of PayPal Credit's User Who Ever Missed a BNPL Payment, in %, October 2020