BNPL (后付款) 的全球市场 (2022-2028年):企业规模 (大企业、中小企业)、终端用户 (CE产品、流行&服装)、流通管道 (线上、POS) 各的规模、占有率、成长分析、预测

全球BNPL (后付款) 的市场规模，从2021年的50亿1,000万美元，在预测期间中预计以26％的年复合成长率发展，2028年成长到252亿6,000万美元的规模。

大型设备的购买资金，原料的购买资金，职员的工资的支付等，全球各种事业主利用BNPL平台，推动市场的全球展开。

本报告提供全球BNPL (后付款) 的市场调查，市场概要，市场的各种影响因素的分析，技术、革新趋势，市场规模的变化、预测，各种区分、各地区的明细，竞争情形，主要企业简介等彙整资讯。

目录

摘要整理

市场概要

父母市场分析

市场概要

市场规模

• 市场动态
• 促进因素
• 机会
• 阻碍因素
• 课题
• SWOT分析

主要市场洞察

• 技术分析
• 价格分析
• 供应链分析
• 价值链分析
• 市场生态系统
• IP分析
• 贸易分析
• Start-Ups分析
• 原料分析
• 革新矩阵
• 开发中产品分析
• 宏观经济指标

COVID-19影响

市场动态、展望

• 市场动态
• 促进因素
• 机会
• 阻碍因素
• 课题
• 法规情形
• SWOT分析
• 波特分析
• 未来的阻碍相关Skyquest的特别洞察
• 全球BNPL (后付款) 市场:各企业规模
• 大企业
• 中小企业
• 全球BNPL (后付款) 市场:各终端用户
• CE产品
• 流行&服装
• 零售
• 媒体
• 娱乐
• 其他
• 全球BNPL (后付款) 市场:各流通管道
• 线上
• POS

市场规模:各地区

• 北美
• 欧洲
• 亚太地区
• 南美
• 中东、非洲

主要企业简介

• 竞争情形
• 对像企业数
• 主要企业的地位
• 主要企业的市场占有率
• Affirm Holdings Inc.
• Paypal
• Klarna Bank AB(publ)
• Laybuy Group Holdings Limited
• Perpay Inc.
• Quadpay
• Sezzle
• Payl8r
• Splitit
• Billie

Global Buy Now Pay Later Market was valued at USD 5.01 billion in 2021, and the market size is estimated to reach USD 25.26 billion by 2028, at a CAGR of 26% over the forecast period (2022-2028).

Shops are increasingly offering "buy now, pay later" options, which allow customers to purchase needs by selecting a fair financing option and paying over time rather than everything at once. The usage of the buy now pay later payment platform by various business owners throughout the world to finance large equipment, buy raw materials, and pay staff salaries is what drives the market's global expansion. Furthermore, more young people are using the purchase now, pay later payment method since it offers several advantages over other payment methods, including the opportunity to pay for pricey things such as computers and cellphones, as well as school supplies and lunch expenses. These factors are driving the expansion of the buy now, pay later sector.

Many players are focusing on developing and deploying a BNPL instalment solution that allows clients to pay over time with no interest. These product introductions are meant to improve the overall purchasing experience for consumers. PayPal Holdings, Inc., for example, announced the availability of Pay in 4, a no-interest buy now, pay later instalment option, in August 2020. This system allows partners and merchants to get money in advance, while customers can spread out payments for goods ranging from $30 to $600 over a six-week period. With this launch, the company expanded the scope of its product offering.

Consumers who want to make a purchase can use BNPL services to get solutions with a predetermined payment plan, a quicker checkout process, no interest, and rapid approval times. Consumers use BNPL services all throughout the world to avoid paying credit card interest, make impulsive purchases, and borrow money without a credit check. In January 2022, a ZestMoney poll found that BNPL had become the preferred option for clients of all ages in 2021, with the youngest consumer being 18 and the oldest being 66. The survey also indicated that men in tier 1 and tier 2 cities spent a lot on lifestyle and fashion, but women in tier 1 and tier 2 cities invested in edtech upgrades for electronics and upskilling.

Top-down and bottom-up approaches were used to estimate and validate the size of global 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 by 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 analysed to get the final quantitative and qualitative data.

Segments covered in this report:

Global Buy Now Pay Later market is segmented based on enterprise size, end-use channel, and region. Based on the enterprise size, the buy now pay later market is segmented into large and SME's. Based on the end use, it is segmented as consumer electronics, fashion & garments, retail, media and entertainment, and others. Based on channel, it is segmented as online and POS. Based on region it is categorized into North America, Europe, Asia-Pacific, and MEA.

Driver

People's use of online payment options is increasing.

According to the United Nations Conference on Trade and Development (UNCTAD), more than 80% of customers globally utilise digital payments to conduct online purchasing. Mobile payments, debit cards, and credit cards are the three most common digital payment options. These techniques have many advantages over traditional payment methods, including lower transaction costs, more efficient fund transfers, and improved payment security, all of which contribute to the expansion of the purchase now pay later industry. High-speed internet access, a surge in smartphone adoption, and growing public awareness of digital payment services are some of the primary factors pushing the development of online payment technology. Furthermore, the rise in smartphone usage and faster connectivity have enabled merchants and customers to accept and make payments through digital platforms, which has supported the growth of the purchase now pay later sector.

Service Payment That Is Both Cheap and Easy

Individuals benefit from the buy now pay later payment method in a variety of ways, including more affordable and convenient payment services, faster credit card fund transfers at the point-of-sale platform, and increased personal information security, all of which contribute to the growth of the buy now pay later market. Furthermore, the purchase now pay later platform provides a QR-code option, which allows consumers to pay with a scannable code and complete transactions via UPI, both of which contribute to the market's growth. Furthermore, the buy now pay later platform enables clients to make secure payments without utilising a debit card, promoting global market expansion. Additional benefits supplied by the buy now pay later platform that encourage global market expansion include notifying clients about payback, improving their credit scores, and tracking transaction data online.

Restraints

Lack of service awareness and the abundance of payment choices

Other payment methods, such as post-dated cheques, credit and debit card financing, and many others, are available. Customers and retailers in a variety of growing markets, including India, Brazil, Asia, and others, are unaware of the BNPL service. Before providing BNPL services to customers, credit scores must be examined. With BNPL, the service provides users with straightforward monthly installment payment arrangements. The availability of multiple payment options, as well as a lack of understanding among consumers, retailers, and merchants, hamper the overall expansion of the purchase now pay later industry.

Market Trends

Machine Learning and Artificial Intelligence (AI) technology enable service providers to construct models in real time and improve decision-making capabilities. A number of market participants are developing specialised AI-based models to accelerate their consumer market penetration. Temenos, for example, debuted an AI-based BNPL banking solution within the Temenos Banking Cloud platform in January 2022. The platform is built on artificial intelligence (A.I.) technology and provides chances for both customers and merchants through alternative credit options. The growing use of artificial intelligence (AI) technology to boost real-time consumer base will drive the worldwide buy now pay later market trend.

Table of Contents

Executive Summary

Market overview

• Exhibit: Executive Summary - Chart on Market Overview
• Exhibit: Executive Summary - Data Table on Market Overview
• Exhibit: Executive Summary - Chart on Global Global Buy Now Pay Later Market Characteristics
• Exhibit: Executive Summary - Chart on Market by Geography
• Exhibit: Executive Summary - Chart on Market Segmentation
• Exhibit: Executive Summary - Chart on Incremental Growth
• Exhibit: Executive Summary - Data Table on Incremental Growth
• Exhibit: Executive Summary - Chart on Vendor Market Positioning

Parent Market Analysis

Market overview

Market size

• Market Dynamics
• Exhibit: Impact analysis of DROC, 2021
• Drivers
• Opportunities
• Restraints
• Challenges
• SWOT Analysis

KEY MARKET INSIGHTS

• Technology Analysis
• (Exhibit: Data Table: Name of technology and details)
• Pricing Analysis
• (Exhibit: Data Table: Name of technology and pricing details)
• Supply Chain Analysis
• (Exhibit: Detailed Supply Chain Presentation)
• Value Chain Analysis
• (Exhibit: Detailed Value Chain Presentation)
• Ecosystem Of the Market
• Exhibit: Parent Market Ecosystem Market Analysis
• Exhibit: Market Characteristics of Parent Market
• IP Analysis
• (Exhibit: Data Table: Name of product/technology, patents filed, inventor/company name, acquiring firm)
• Trade Analysis
• (Exhibit: Data Table: Import and Export data details)
• Startup Analysis
• (Exhibit: Data Table: Emerging startups details)
• Raw Material Analysis
• (Exhibit: Data Table: Mapping of key raw materials)
• Innovation Matrix
• (Exhibit: Positioning Matrix: Mapping of new and existing technologies)
• Pipeline product Analysis
• (Exhibit: Data Table: Name of companies and pipeline products, regional mapping)
• Macroeconomic Indicators

COVID IMPACT

• Introduction
• Impact On Economy-scenario Assessment
• Exhibit: Data on GDP - Year-over-year growth 2016-2022 (%)
• Revised Market Size
• Exhibit: Data Table on Global Global Buy Now Pay Later Market size and forecast 2021-2027 ($ million)
• Impact Of COVID On Key Segments
• Exhibit: Data Table on Segment Market size and forecast 2021-2027 ($ million)
• COVID Strategies By Company
• Exhibit: Analysis on key strategies adopted by companies

MARKET DYNAMICS & OUTLOOK

• Market Dynamics
• Exhibit: Impact analysis of DROC, 2021
• Drivers
• Opportunities
• Restraints
• Challenges
• Regulatory Landscape
• Exhibit: Data Table on regulation from different region
• SWOT Analysis
• Porters Analysis
• Competitive rivalry
• Exhibit: Competitive rivalry Impact of key factors, 2021
• Threat of substitute products
• Exhibit: Threat of Substitute Products Impact of key factors, 2021
• Bargaining power of buyers
• Exhibit: buyers bargaining power Impact of key factors, 2021
• Threat of new entrants
• Exhibit: Threat of new entrants Impact of key factors, 2021
• Bargaining power of suppliers
• Exhibit: Threat of suppliers bargaining power Impact of key factors, 2021
• Skyquest special insights on future disruptions
• Political Impact
• Economic impact
• Social Impact
• Technical Impact
• Environmental Impact
• Legal Impact
• Global Global Buy Now Pay Later Market by Enterprise Size
• Market segments
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Data table on Market share 2021-2027 (%)
• Large
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• SME
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Global Global Buy Now Pay Later Market by End Use
• Market segments
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Data table on Market share 2021-2027 (%)
• Consumer Electronics
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Fashion & Garment
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Retail
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Media
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Entertainment
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Others
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Global Global Buy Now Pay Later Market by Channel
• Market segments
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Data table on Market share 2021-2027 (%)
• Online
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• POS
• Market Estimates & Forecast, 2020-2027
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)

Market Size by Region

• Chart on Market share by geography 2021-2027 (%)
• Data Table on Market share by geography 2021-2027(%)
• North America
• Chart on Market share by country 2021-2027 (%)
• Data Table on Market share by country 2021-2027(%)
• USA
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Canada
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Europe
• Chart on Market share by country 2021-2027 (%)
• Data Table on Market share by country 2021-2027(%)
• Germany
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Spain
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• France
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• UK
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Rest of Europe
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Asia Pacific
• Chart on Market share by country 2021-2027 (%)
• Data Table on Market share by country 2021-2027(%)
• China
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• India
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Japan
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• South Korea
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Rest of Asia Pacific
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Latin America
• Chart on Market share by country 2021-2027 (%)
• Data Table on Market share by country 2021-2027(%)
• Brazil
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Rest of South America
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Middle East & Africa (MEA)
• Chart on Market share by country 2021-2027 (%)
• Data Table on Market share by country 2021-2027(%)
• GCC Countries
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• South Africa
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)
• Rest of MEA
• Exhibit: Chart on Market share 2021-2027 (%)
• Exhibit: Market size and forecast 2021-2027 ($ million)

KEY COMPANY PROFILES

• Competitive Landscape
• Total number of companies covered
• Exhibit: companies covered in the report, 2021
• Top companies market positioning
• Exhibit: company positioning matrix, 2021
• Top companies market Share
• Exhibit: Pie chart analysis on company market share, 2021(%)
• Affirm Holdings Inc. (US)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Paypal (US)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Klarna Bank AB (publ) (Sweden)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Laybuy Group Holdings Limited (New Zealand)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Perpay Inc. (Philadelphia)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Quadpay (US)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Sezzle (US)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Payl8r (UK)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Splitit (US)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments
• Billie (Germany)
• Exhibit Company Overview
• Exhibit Business Segment Overview
• Exhibit Financial Updates
• Exhibit Key Developments