後払い決済(BNPL) 2022-2027年

出版:Juniper Research(ジュニパーリサーチ) 出版年月:2022年8月

BUY NOW PAY LATER: REGULATORY FRAMEWORKS, COMPETITOR LEADERBOARD & MARKET FORECASTS 2022-2027
後払い決済(BNPL):規制の枠組み、競合スコアボード、市場予測 2022-2027

価格 () GBP3,750
種別 英文調査報告書

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レポート目次  お問合せ・ご注文  価格・納期について

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Juniper Research(ジュニパーリサーチ)「後払い決済(BNPL):規制の枠組み、競合スコアボード、市場予測 2022-2027 – BUY NOW PAY LATER: REGULATORY FRAMEWORKS, COMPETITOR LEADERBOARD & MARKET FORECASTS 2022-2027」はデジタル決済市場で急速に発展する後払い決済(BNPL)の枠組みを調査し、詳細な分析を行っています。

主な調査内容

  • 市場ダイナミクス
  • 主な調査結果と戦略的提言
  • 産業予測:ユーザ総数、取引額と取引数、後払い決済(BNPL)とフレキシブルクレジット向けプラットフォーム収益の予測。市場データは世界の主要8地域60ヶ国をカバーしています。
    • 北米
    • ラテンアメリカ
    • 西欧
    • 中東欧
    • 極東&中国
    • インド亜大陸
    • その他のアジア太平洋地域
    • アフリカ&中東
  • Juniper Researchの競合スコアボード – BNPL主要ベンダー17社の特性と能力評価
    1. Affirm
    2. Afterpay
    3. Cashew
    4. Credi2
    5. CredPal
    6. Grab
    7. Klarna
    8. Kredivo
    9. Laybuy
    10. OpenPay
    11. Payl8r
    12. PayPal
    13. Perpay
    14. Sezzle
    15. Simpl
    16. Splitit
    17. Zip

当レポートは下記疑問への回答につながる情報を提供しています。

  • 後払い決済(BNPL)はあらゆる市場においてクレジットカードの競合になるのか?
  • 後払い決済(BNPL)スキームの採用増加を導いた最新の動向とは?
  • 後払い決済(BNPL)の主要ベンダは?またその主要ベンダはどのように成功しているか?
  • 後払い決済(BNPL)において予想される価値は?またその価値に影響を与える要因には何があるか?
  • ベンダはどのように効率良く決済を収益化しているか?

主な掲載内容

  1. 市場動向&戦略
    1. 主な調査結果と戦略的提言
    2. 市場状況
    3. 将来展望
  2. 競合スコアボード
    1. Juniper Researchの競合スコアボード
    2. 企業情報
  3. データ&予測
    1. 市場概観
    2. デジタルBNPL:市場予測
    3. フレキシブルクレジット:市場予測

Report Overview

Juniper Research’s latest BNPL (Buy Now Pay Later) research provides a detailed analysis of the rapidly developing position of BNPL schemes in the expanding 2022-202e and digital payments market. This includes an assessment of regulatory adjustments in the market and the resulting impact on the operations of BNPL vendors and the spending habits of consumers. Additionally, the research includes an extensive evaluation of 17 BNPL vendors via the Juniper Research Competitor Leaderboard.

The report covers the current opportunities within the eCommerce market, as well as the development opportunities in other markets such as healthcare and B2B lending. It also includes a comprehensive dataset for key BNPL metrics, including total digital BNPL and flexible credit users, total transaction volume, and total transaction value.

This research suite comprises:

  • Market Trends & Strategies (PDF)
  • Competitor Leaderboard (PDF)
  • Data & Forecasts (PDF & Excel)
  • 12 months’ Access to harvest Online Data Platform

KEY FEATURES

  • Market Dynamics: Insight into the key trends and challenges within the BNPL payment market, addressing the impact of rising eCommerce usage, changes in consumption trends, and technological developments in the payments market.
  • Key Takeaways & Strategic Recommendations: Analysis of key development opportunities within BNPL, accompanied by key strategic recommendations for stakeholders including BNPL providers, fintechs, and banks.
  • Benchmark Industry Forecasts: Includes forecasts for total number of users, transaction value and volume, and platform revenue for BNPL and flexible credit. This data is split by our 8 key forecast regions and 60 countries:
    • North America:
      • Canada, US
    • Latin America:
      • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.
    • West Europe:
      • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK.
    • Central & East Europe:
      • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine.
    • Far East & China:
      • China, Hong Kong, Japan, South Korea.
    • Indian Subcontinent:
      • Bangladesh, India, Nepal, Pakistan.
    • Rest of Asia Pacific:
      • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam.
    • Africa & Middle East:
      • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates.
  • Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 17 BNPL vendors, via the Juniper Research Competitor Leaderboard:
    • Affirm
    • Afterpay
    • Cashew
    • Credi2
    • CredPal
    • Grab
    • Klarna
    • Kredivo
    • Laybuy
    • OpenPay
    • Payl8r
    • PayPal
    • Perpay
    • Sezzle
    • Simpl
    • Splitit
    • Zip

KEY QUESTIONS ANSWERED

  1. Will BNPL compete with credit cards in all markets?
  2. What recent trends have caused an increase in take up for BNPL schemes?
  3. Who are the leading vendors in BNPL and what are they doing successfully?
  4. What is the predicted value of the BNPL market and what factors are affecting this value?
  5. How do vendors effectively monetise payments?

COMPANIES REFERENCED

Interviewed: Affirm, Credi2, Grab.

Case Studies: Amazon, Barclays, Billie.

Included in Juniper Research Competitor Leaderboard: Affirm, Afterpay, Cashew, Credi2, CredPal, Grab, Klarna, Kredivo, Laybuy, OpenPay, Payl8r, PayPal, Perpay, Sezzle, Simpl, Splitit, Zip.

Mentioned: Abu Dhabi Global Market, Advertising Standards Agency, American Express, ANZ, Ascent, Australian Finance Industry Association, Australian Securities and Investments Commission, Bank Negara Malaysia, Banxico, Brazilian National Monetary Council, Capital One Bank, Central Bank of Brazil, Central Bank of Russia, Chinese Central Bank, CIBC, Citizens Advice, Clearpay, Commerce Bank, Consumer Financial Protection Bureau, Delta Air Lines, Desjardins Group, Dubai Financial Services Authority, Dubai International Financial Centre, Equinox Payments, Federal Financial Supervisory Authority, Fifth Third, Financial Conduct Authority, Financial Consumer Agency of Canada, Financial Ombudsman Service, Financial Supervisory Authority, FIS, Galileo, GHL Systems Malaysia, HSBC, Huntington, i2c, Malaysian Central Bank, Marqeta, Mastercard, McKinsey & Co, Ministry of Economy, Trade and Industry, Ministry of Finance and Public Credit, Moneris, Monetary Authority of Singapore, National Banking and Securities Commission, National Monetary Council, Ontario Securities Commission, Qantas Loyalty, Quest Payment Systems, Reserve Bank of India, Reserve Bank of New Zealand, Rocketbank, ScotiaBank, SoFi, Synchrony, Telkbank, Tinkoff Bank, Tochka, UAE Central Bank, Versapay, Visa, Woolard Review, Worldpay.

DATA & INTERACTIVE FORECAST

Juniper Research’s BNPL forecast suite includes:

  • Regional splits for our 8 key forecast regions, as well as 60 country-level data splits for:
    • North America:
      • Canada, US
    • Latin America:
      • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.
    • West Europe:
      • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK.
    • Central & East Europe:
      • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine.
    • Far East & China:
      • China, Hong Kong, Japan, South Korea.
    • Indian Subcontinent:
      • Bangladesh, India, Nepal, Pakistan.
    • Rest of Asia Pacific:
      • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam.
    • Africa & Middle East:
      • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates.
  • Digital BNPL, Split by Device:
    • Mobile
    • Online
  • Flexible Credit, Split by Device:
    • Mobile
    • Online
  • The BNPL forecast includes digital BNPL and flexible credit users, payment transaction volume split by product, payment transaction value split by product and platform revenue.
  • Interactive Scenario Tool allowing users to manipulate Juniper Research’s data for 6 different metrics.
  • Access to the full set of forecast data of more than 71 tables and nearly 28,000 datapoints.

Juniper Research’s highly granular IFxL (interactive Excel) database enables clients to manipulate Juniper Research’s forecast data and charts to test their own assumptions using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

The number of BNPL (Buy Now Pay Later) users will surpass 900 million globally by 2027; increasing from 360 million in 2022. This substantial growth of 157% will be driven by the anticipated economic downturn, which will increase the demand for low-cost credit solutions.

  • BNPL schemes enable consumers to spread the cost of their purchases without interest charges; making them a highly attractive alternative to credit cards. Additionally, BNPL services do not require hard credit checks and an increasing number of merchants are accepting this payment method; making it easier to access for consumers than traditional credit.
  • India has potential for rapid growth in BNPL, with users predicted to grow from 25 million in 2022 to 116 million by 2027. This is due to rising eCommerce usage and growing interest in international goods available through online retailers.
  • In turn, the report recommends that vendors build strategic partnerships with vendors in developing markets with established consumer bases, to successfully capitalise on this user growth and associated revenue.
  • The adoption of virtual cards, where digital only cards are used for purchases, will increase the usage of BNPL solutions, as they only require merchants to accept card payments – overcoming previous limitations on growth. The advancement of virtual cards allows BNPL schemes to compete with credit cards; particularly in-store, where single use BNPL cards can be used within a digital wallet to complete contactless transactions.
  • In order to compete in this highly competitive landscape, BNPL vendors must differentiate their services: including offering virtual cards, browser extensions that automatically facilitate BNPL payment services, and digital loyalty schemes.

レポート構成&価格表

(1) 動向&戦略調査
  • 市場動向&戦略レポート(PDF)
    Market trends & strategies report
GBP 1,990
  • 競合スコアボードレポート(PDF)
    Competitor leaderboard report
GBP 1,990
(2) 市場規模&予測 GBP 2,990
  • 市場データ・予測・分析レポート(PDF)
    Market data, forecasts and analysis report (pdf)
  • 市場データ・予測・インタラクティブデータ(Excel)
    Market data, forecasts and interactivity (xls)
  • 四半期アップデート:市場データ&予測(PDF&Excel&オンラインアクセス)
    Quarterly updates to market data & forecasts (pdf, xls, online access)
  • 最新データへの12ヶ月アクセス
    harvest market data platform (12 months’ online access)
フルセット (1と2の全てをご購入の場合) GBP3,750

 


[プレスリリース]

後払い決済(BNPL)のユーザ数は2027年までに世界で9億超へ~クレジットの低コスト化が促進要因に

BUY NOW PAY LATER USERS TO REACH OVER 900 MILLION GLOBALLY BY 2027, DRIVEN BY LOW COST OF CREDIT

Hampshire, UK – 8th August 2022: A new study from Juniper Research has predicted that the number of BNPL (Buy Now Pay Later) users will surpass 900 million globally by 2027; increasing from 360 million in 2022. This substantial growth of 157% will be driven by the anticipated economic downturn, which will increase the demand for low-cost credit solutions.

BNPL schemes enable consumers to spread the cost of their purchases without interest charges; making them a highly attractive alternative to credit cards. Additionally, BNPL services do not require hard credit checks and an increasing number of merchants are accepting this payment method; making it easier to access for consumers than traditional credit.

The research identified India as having potential for rapid growth in BNPL, with users predicted to grow from 25 million in 2022 to 116 million by 2027. This is due to rising eCommerce usage and growing interest in international goods available through online retailers. In turn, it recommends that vendors build strategic partnerships with vendors in developing markets with established consumer bases, to successfully capitalise on this user growth and associated revenue.

Virtual Cards to Further Boost Usage

The research predicts that the adoption of virtual cards, where digital only cards are used for purchases, will increase the usage of BNPL solutions, as they only require merchants to accept card payments – overcoming previous limitations on growth. The advancement of virtual cards allows BNPL schemes to compete with credit cards; particularly in-store, where single use BNPL cards can be used within a digital wallet to complete contactless transactions.

Juniper Research recommends that in order to compete in this highly competitive landscape, BNPL vendors must differentiate their services: including offering virtual cards, browser extensions that automatically facilitate BNPL payment services, and digital loyalty schemes.



目次

※フルセット(GBP3,750)の目次抜粋です。詳細目次および他レポートはEメールでお送りいたします。こちらよりよりお申し付けください。

  1. Market Trends & Strategies
    1. Key Takeaways & Strategic Recommendations
    2. Market Landscape
      1. Introduction
      2. Current Buy Now Pay Later Landscape
      3. Digital BNPL
      4. Current Trends
      5. BNPL & Credit
      6. BNPL in Healthcare
      7. BNPL Challenges
    3. Future Outlook
      1. Introduction
      2. Monetizsing BNPL Payments
      3. Digital BNPL & Virtual Cards
      4. Browser extensions
      5. Banks & Digital BNPL
      6. Card Vendors & Digital BNPL
    4. Buy Now Pay Later – Regional Analysis
  2. Competitor Leaderboard
    1. Juniper Research Competitor Leaderboard
    2. Company Profiles
      1. Vendor Profiles
      2. Vendor Analysis & Juniper Research Leaderboards
  3. Data & Forecasting
    1. Market Overview
    2. Digital BNPL: Market Forecasts
      1. Digital BNPL Unique Users
      2. Digital BNPL Online Users
    3. Flexible Credit: Market Forecasts
      1. Flexible Credit Unique Users
      2. Flexible Credit Online Users

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