米国のBNPL（後払い決済）ビジネスと投資機会データブック　2023年第2四半期

Report Description

According to PayNXT360, BNPL payments in the United States are expected to grow by 51.6% on an annual basis to reach US$2,133.0 million in 2023.

Medium to long term growth story of BNPL industry in United States remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 31.3% during 2023-2028. The BNPL Gross Merchandise Value in the United States will increase from US$1,406.7 million in 2022 to reach US$8,311.0 million by 2028.

The BNPL payment industry in United States has recorded strong growth over the last four quarters, supported by increased ecommerce penetration.

In the United States, buy now pay later (BNPL) providers are facing increasing scrutiny from investors and regulators. While investors are demanding profitability from BNPL firms, the increasing competition in the space, coupled with the prospect of recession, is threatening their business model. To grow their purchase value and margins, BNPL firms have continued to expand their merchant and customer base in the domestic as well as international markets. From the short-term perspective, holiday spending in the United States is expected to boost BNPL transaction value and volume for providers.

Affirm and PayPal reports strong operational numbers amid the rising turbulence for the BNPL industry

The macroeconomic factors have had a severe impact on the financial performance of BNPL firms in the United States. The rising interest environment and declining consumer sentiment mean a slower growth period for businesses. However, Affirm and PayPal have continued to post strong operational numbers in the sector.
• For Affirm, the gross merchandise value surged 62% year over year in Q3 2022. Furthermore, the number of active customers increased to 14.7 million, reporting a growth of 69% year over year, while active merchants surged 140% to reach 245,000. With the BNPL service offered by Affirm approaching 2% of the e-commerce spending in the United States, the numbers are not bad by any means in the current macroeconomic environment.
• Improving product features, controlling operating expenses, focusing on unit economics, and managing credit performance are among the strategies that have allowed the firm to report strong numbers in Q3 2022. The strong performance in the quarter, coupled with the strong fundamentals of the firm, shows that the BNPL model can turn profitable in the long term.
• PayPal, another leader in the BNPL segment, reported a strong set of numbers in Q3 2022. With nearly US$5 billion in volume, PayPal achieved a growth of 157% year over year, making the firm market leader during the quarter. The strong merchant network of 280,000 and ever-expanding active customer base of over 25 million has allowed the firm to report strong numbers in Q3 2022.

The growing merchant base and active customer numbers are among the key factors that have backed the strong performance of both Affirm and PayPal. Going forward, Affirm is also seeking to boost its presence in the offline market to further accelerate its growth. Consequently, other firms can also adopt similar strategies while building a path to profitability in the United States.

BNPL providers are forging strategic alliances to drive their BNPL transaction volume and value

To achieve their growth objectives and drive profitability, BNPL firms are seeking to expand their merchant base, and consequently are forging strategic alliances with businesses across industry verticals.
• In November 2022, Sezzle, the United States-based BNPL provider, announced that the firm had entered into a strategic alliance with Bankful, a payment gateway. Through strategic collaboration, Sezzle will enable the BNPL payment method for Bankful’s merchants around the world. Currently, the firm has a merchant network of 48,700, which includes leading brands such as Target, GameStop, and Shop Adorn, among others.
• In November 2022, Uplift and Emirates also forged an alliance to offer BNPL payment capabilities to their customers in the United States and Canada. The partnership comes at a time when travel activities have recorded a strong rebound after the slump caused by the global pandemic outbreak. With travelers seeking flexible payment options, more such strategic collaborations are expected in the United States market.

As competition intensifies and regulatory and investor scrutiny grows, PayNXT360 expects BNPL firms to focus on increasing their merchant and customer base from the short to medium-term perspective. This will subsequently drive their transaction volume and value in the United States.

Black Friday and Cyber Monday sales have driven consumer BNPL spending in the United States

With prices rising and inflation soaring to new highs, more consumers have turned to BNPL solutions to afford their holiday shopping in the United States. These trends have become largely evident from the usage of BNPL services during Black Friday and Cyber Monday sales events.
As inflationary pressures persist, PayNXT360 expects more consumers to continue adopting BNPL services in the United States during the year-end Christmas gift-giving season in the United States. While this is expected to drive volume and value for players, it will also boost the possibility of higher delinquencies.

This report provides a detailed data centric analysis of Buy Now Pay Later (BNPL) industry, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.

It breaks down market opportunity by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spend dynamics in United States. KPIs in both value and volume term help in getting in-depth understanding of end market dynamics.

PayNXT360’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view on emerging business and investment market opportunities.


Scope

This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in United States through 57 tables and 71 charts. Below is a summary of key market segments:

United States BNPL Market Size and Spending Pattern, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later Revenue Analysis, 2019-2028

• Buy Now Pay Later Revenues
• Buy Now Pay Later Share by Revenue Segments
• Buy Now Pay Later Revenue by Merchant Commission
• Buy Now Pay Later Revenue by Missed Payment Fee Revenue
• Buy Now Pay Later Revenue by Pay Now & Other Income


United States Buy Now Pay Later Operational KPIs & Statistics, 2019-2028

• Buy Now Pay Later Active Consumer Base
• Buy Now Pay Later Bad Debt

United States BNPL by Purpose, 2019-2028

• Convenience – Short Term Loans
• Credit – Long Term Loans

United States BNPL by Business Model, 2019-2028

• Two-Party (BNPL offered by retailers)
• Three-Party BNPL Offering

United States BNPL by Merchant Ecosystem, 2019-2028

• Open Loop System
• Closed Loop System

United States BNPL by Distribution Model Analysis, 2019-2028

• Standalone
• Banks & Payment Service Providers
• Marketplaces

United States Buy Now Pay Later Market Share Analysis by Key Players

United States BNPL Analysis by Channel, 2019-2028

• Online Channel
• POS Channel

United States Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Services: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Automotive: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019-2028

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later in Groceries: Market Size and Forecast

• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

United States Buy Now Pay Later Analysis by Consumer Attitude and Behaviour

• Sales Uplift by Product Category
• Share by Age Group
• Share by Income
• Share by Gender
• Adoption Rationale

Reasons to buy

• Get a comprehensive understanding of market dynamics for Buy Now Pay Later: Identify market opportunities, major trends, and forecasting (2019-2028). Understand market trends through crucial KPIs like Gross Merchandise Value, Volume, and Average Value per Transaction, to stay ahead of the curve.

• Insights by end-use sectors: Evaluate new opportunities across multiple end-use sectors, and obtain market dynamics by end-use sectors in order to swiftly catch up with the latest and upcoming developments in BNPL markets.

• Market-specific strategies: Identify growth segments focused on specific opportunities, and analysing market-specific risks and important trends in the BNPL sector with our exclusive blend of quantitative forecasting and innovative insights.

• Gain knowledge of consumer attitudes and actions: This report identifies and interprets important Buy Now Pay Later KPIs, such as spend by age, gender, and income level, using data from a proprietary survey.

• Develop proactive and lucrative business strategies through market intelligence and forward-looking analysis of BNPL market spend and major opportunities in United States.

Table of Contents

1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer

2 United States Buy Now Pay Later Industry Attractiveness
2.1 United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2019-2028
2.2 United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2019-2028
2.3 United States Buy Now Pay Later – Transaction Volume Trend Analysis, 2019-2028
2.4 United States Buy Now Pay Later Market Share Analysis by Key Players

3 United States Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2019 – 2028
3.2 Buy Now Pay Later Share by Revenue Segments
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2019 – 2028
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2019 – 2028
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2019 – 2028
3.3 Buy Now Pay Later Active Consumer Base, 2019 – 2028
3.4 Buy Now Pay Later Bad Debt, 2020 – 2024 – 2028

4 Buy Now Pay Later Spend Analysis by Business Model, 2022 vs 2028
4.1 Buy Now Pay Later Two party, 2019 – 2028
4.2 Buy Now Pay Later Third party, 2019 – 2028

5 Buy Now Pay Later Spend Analysis by Purpose, 2022 vs 2028
5.1 Buy Now Pay Later Convenience, 2019 – 2028
5.2 Buy Now Pay Later Credit, 2019 – 2028

6 Buy Now Pay Later Spend Analysis by Merchant ecosystem, 2022 vs 2028
6.1 Buy Now Pay Later by Open loop system, 2019 – 2028
6.2 Buy Now Pay Later by Closed loop system, 2019 – 2028

7 Buy Now Pay Later Spend Analysis by Distribution Model, 2022 vs 2028
7.1 Buy Now Pay Later by Standalone, 2019 – 2028
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2019 – 2028
7.3 Buy Now Pay Later by Marketplaces, 2019 – 2028

8 United States Buy Now Pay Later Spend Analysis by Channel
8.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

9 United States Buy Now Pay Later Snapshot by End-Use Sector
9.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment
9.3 Buy Now Pay Later Share by Retail Product Category
9.4 United States Buy Now Pay Later Retail Shopping – Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis, 2019-2028
9.5 United States Buy Now Pay Later Retail Shopping – Consumer Electronics – Gross Merchandise Value Trend Analysis, 2019-2028
9.6 United States Buy Now Pay Later Retail Shopping – Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis, 2019-2028
9.7 United States Buy Now Pay Later Retail Shopping – Jewellery – Gross Merchandise Value Trend Analysis, 2019-2028
9.8 United States Buy Now Pay Later Retail Shopping – Sporting Goods – Gross Merchandise Value Trend Analysis, 2019-2028
9.9 United States Buy Now Pay Later Retail Shopping – Entertainment & Gaming – Gross Merchandise Value Trend Analysis, 2019-2028
9.10  United States Buy Now Pay Later Retail Shopping – Others – Gross Merchandise Value Trend Analysis, 2019-2028

10 United States Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 – 2028
10.1 United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2019-2028
10.2 United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2019-2028
10.3 United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2019-2028

11 United States Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 – 2028
11.1 United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2019-2028
11.2 United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2019-2028
11.3 United States Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2019-2028

12 United States Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019 – 2028
12.1 United States Buy Now Pay Later Travel/Entertainment – Gross Merchandise Value Trend Analysis, 2019-2028
12.2 United States Buy Now Pay Later Travel/Entertainment – Average Value Per Transaction Trend Analysis, 2019-2028
12.3 United States Buy Now Pay Later Travel/Entertainment – Transaction Volume Trend Analysis, 2019-2028

13 United States Buy Now Pay Later in Service: Market Size and Forecast, 2019 – 2028
13.1 United States Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2019-2028
13.2 United States Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis, 2019-2028
13.3 United States Buy Now Pay Later Service – Transaction Volume Trend Analysis, 2019-2028

14 United States Buy Now Pay Later in Automotive: Market Size and Forecast, 2019 – 2028
14.1 United States Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis, 2019-2028
14.2 United States Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis, 2019-2028
14.3 United States Buy Now Pay Later Automotive – Transaction Volume Trend Analysis, 2019-2028

15 United States Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 – 2028
15.1 United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2019-2028
15.2 United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2019-2028
15.3 United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2019-2028

16 United States Buy Now Pay Later in Groceries: Market Size and Forecast, 2019 – 2028
16.1 United States Buy Now Pay Later Groceries – Gross Merchandise Value Trend Analysis, 2019-2028
16.2 United States Buy Now Pay Later Groceries – Average Value Per Transaction Trend Analysis, 2019-2028
16.3 United States Buy Now Pay Later Groceries – Transaction Volume Trend Analysis, 2019-2028

17 United States Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
17.1 Buy Now Pay Later Spend Share by Age Group
17.1.1 United States Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis, 2019-2028
17.1.2 United States Buy Now Pay Later by Age Group – Millennials (28-44) – Gross Merchandise Value Trend Analysis, 2019-2028
17.1.3 United States Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis, 2019-2028
17.1.4 United States Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis, 2019-2028
17.2 Buy Now Pay Later Share by Income
17.2.1 United States Buy Now Pay Later by Income Level – Tire 1 – Gross Merchandise Value Trend Analysis, 2019-2028
17.2.2 United States Buy Now Pay Later by Income Level – Tire 2 – Gross Merchandise Value Trend Analysis, 2019-2028
17.2.3 United States Buy Now Pay Later by Income Level – Tire 3 – Gross Merchandise Value Trend Analysis, 2019-2028
17.3 Buy Now Pay Later Spend Share by Default Rate by Age Group
17.4 Buy Now Pay Later Gross Merchandise Value Share by Gender
17.5 Buy Now Pay Later Adoption Rationale

18 Further Reading
18.1 About PayNXT360
18.2 Related Research

Table 1: United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 4: United States Buy Now Pay Later – Revenues (US$ Million), 2019-2028
Table 5: United States Buy Now Pay Later – Merchant Commission (US$ Million), 2019-2028
Table 6: United States Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2019-2028
Table 7: United States Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Table 8: United States Buy Now Pay Later – Active Consumer Base (Thousand), 2019-2028
Table 9: United States Buy Now Pay Later – Bad Debt (US$ Million), 2020-2024-2028
Table 10: United States Buy Now Pay Later – Two party (US$ Million), 2019-2028
Table 11: United States Buy Now Pay Later – Third party (US$ Million), 2019-2028
Table 12: United States Buy Now Pay Later – Convenience (US$ Million), 2019-2028
Table 13: United States Buy Now Pay Later – Credit (US$ Million), 2019-2028
Table 14: United States Buy Now Pay Later – Open loop system (US$ Million), 2019-2028
Table 15: United States Buy Now Pay Later – Closed loop system (US$ Million), 2019-2028
Table 16: United States Buy Now Pay Later – Standalone (US$ Million), 2019-2028
Table 17: United States Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2019-2028
Table 18: United States Buy Now Pay Later – Marketplaces (US$ Million), 2019-2028
Table 19: United States Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Table 20: United States Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Table 21: United States Buy Now Pay Later Retail Shopping – Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: United States Buy Now Pay Later Retail Shopping – Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 23: United States Buy Now Pay Later Retail Shopping – Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 24: United States Buy Now Pay Later Retail Shopping – Jewelry – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: United States Buy Now Pay Later Retail Shopping – Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 26: United States Buy Now Pay Later Retail Shopping – Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 27: United States Buy Now Pay Later Retail Shopping – Others – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 28: United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 29: United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 30: United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 31: United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 32: United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 33: United States Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 34: United States Buy Now Pay Later Travel/Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 35: United States Buy Now Pay Later Travel/Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 36: United States Buy Now Pay Later Travel/Entertainment – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 37: United States Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 38: United States Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 39: United States Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 40: United States Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 41: United States Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 42: United States Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 43: United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 44: United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 45: United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 46: United States Buy Now Pay Later Groceries – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 47: United States Buy Now Pay Later Groceries – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 48: United States Buy Now Pay Later Groceries – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 49: United States Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 50: United States Buy Now Pay Later by Age Group – Millennials (28-44) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 51: United States Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 52: United States Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 53: United States Buy Now Pay Later by Income Level – Tire 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 54: United States Buy Now Pay Later by Income Level – Tire 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 55: United States Buy Now Pay Later by Income Level – Tire 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028

Figure 1: PayNXT360’s Methodology Framework
Figure 2: United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 3: United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 4: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 5: United States Buy Now Pay Later – Market Share Analysis by Key Players (by Value)
Figure 6: United States Buy Now Pay Later – Revenues (US$ Million), 2019-2028
Figure 7: Buy Now Pay Later Share by Revenue Segments (%)
Figure 8: United States Buy Now Pay Later – Merchant Commission (US$ Million), 2019-2028
Figure 9: United States Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2019-2028
Figure 10: United States Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Figure 11: United States Buy Now Pay Later – Active Consumer Base (Thousand), 2019-2028
Figure 12: United States Buy Now Pay Later – Bad Debt (US$ Million), 2020-2024-2028
Figure 13: United States Buy Now Pay Later Spend Analysis by Business Model (%), 2022 vs 2028
Figure 14: United States Buy Now Pay Later – Two party (US$ Million), 2019-2028
Figure 15: United States Buy Now Pay Later – Third party (US$ Million), 2019-2028
Figure 16: United States Buy Now Pay Later Spend Analysis by Purpose (%), 2022 vs 2028
Figure 17: United States Buy Now Pay Later – Convenience (US$ Million), 2019-2028
Figure 18: United States Buy Now Pay Later – Credit (US$ Million), 2019-2028
Figure 19: United States Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022 vs 2028
Figure 20: United States Buy Now Pay Later – Open loop system (US$ Million), 2019-2028
Figure 21: United States Buy Now Pay Later – Closed loop system (US$ Million), 2019-2028
Figure 22: United States Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022 vs 2028
Figure 23: United States Buy Now Pay Later – Standalone (US$ Million), 2019-2028
Figure 24: United States Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2019-2028
Figure 25: United States Buy Now Pay Later – Marketplaces (US$ Million), 2019-2028
Figure 26: United States Buy Now Pay Later – Gross Merchandise Value Market Share by Channel (%), 2019-2028
Figure 27: United States Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Figure 28: United States Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Figure 29: United States Buy Now Pay Later – Market Share by End-Use Sector (%), 2021 Vs. 2028
Figure 30: United States Buy Now Pay Later – Market Share by End-Use Segment (%), 2022
Figure 31: United States Buy Now Pay Later – Market Share by Retail Product Category (%), 2022
Figure 32: United States Buy Now Pay Later Retail Shopping – Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 33: United States Buy Now Pay Later Retail Shopping – Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: United States Buy Now Pay Later Retail Shopping – Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 35: United States Buy Now Pay Later Retail Shopping – Jewelry- Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 36: United States Buy Now Pay Later Retail Shopping – Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 37: United States Buy Now Pay Later Retail Shopping – Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 38: United States Buy Now Pay Later Retail Shopping – Others – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 39: United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 40: United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 41: United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 42: United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 43: United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 44: United States Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 45: United States Buy Now Pay Later Travel/Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 46: United States Buy Now Pay Later Travel/Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 47: United States Buy Now Pay Later Travel/Entertainment – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 48: United States Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 49: United States Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 50: United States Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 51: United States Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 52: United States Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 53: United States Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 54: United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 55: United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 56: United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 57: United States Buy Now Pay Later Groceries – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 58: United States Buy Now Pay Later Groceries – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 59: United States Buy Now Pay Later Groceries – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 60: United States Buy Now Pay Later – Share by Age Group in Value Terms (%), 2022
Figure 61: United States Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 62: United States Buy Now Pay Later by Age Group – Millennials (28-44) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 63: United States Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 64: United States Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 65: United States Buy Now Pay Later – Share by Income Group in Value Terms (%), 2022
Figure 66: United States Buy Now Pay Later by Income Level – Tire 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 67: United States Buy Now Pay Later by Income Level – Tire 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 68: United States Buy Now Pay Later by Income Level – Tire 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 69: United States Buy Now Pay Later – Share by Default Rate by Age Group in Value Terms (%), 2022
Figure 70: United States Buy Now Pay Later – Share by Gender in Value Terms (%), 2022
Figure 71: Buy Now Pay Later – Adoption Rationale by Value, 2022