후불 결제(BNPL) 시장 예측 2022-2027년

출판:Juniper Research(주니퍼 리서치) 출판년도:2022년08월

BUY NOW PAY LATER: REGULATORY FRAMEWORKS, COMPETITOR LEADERBOARD & MARKET FORECASTS 2022-2027

후불 결제 (BNPL) : 규제 프레임 워크, 경쟁 스코어 보드, 시장 예측 2022-2027

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Juniper Research「후불 결제 (BNPL) : 규제 프레임 워크, 경쟁 스코어 보드, 시장 예측 2022-2027 – BUY NOW PAY LATER: REGULATORY FRAMEWORKS, COMPETITOR LEADERBOARD & MARKET FORECASTS 2022-2027」는 디지털 결제 시장에서 급속히 발전하는 후불 결제(BNPL)의 틀을 조사하고 상세한 분석을 실시하고 있습니다。

Juniper Research - BUY NOW PAY LATER - ChosaReport-Korea.com

주요 조사 내용

  • 시장 역학
  • 주요 조사 결과 및 전략적 제안
  • 산업 예측: 총 사용자 수, 거래 금액 및 거래 수, 후불 결제(BNPL) 및 유연한 크레딧을 위한 플랫폼 수익 예측. 시장 데이터는 세계 주요 8개 지역 60개국을 다룹니다.
    • 북미
    • 라틴 아메리카
    • 서유럽
    • 중동유럽
    • 극동 및 중국
    • 인도아대륙
    • 기타 아시아 태평양 지역
    • 아프리카 & 중동
  • Juniper Research의 경쟁 스코어보드 – BNPL 주요 벤더 17개사의 특성과 능력 평가
    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

이 보고서는 다음 질문에 대한 답변으로 이어지는 정보를 제공합니다.

  • 후불 결제(BNPL)는 모든 시장에서 신용카드 경합이 될 것인가?
  • 후불 결제(BNPL) 계획의 채용 증가를 이끈 최신 동향이란?
  • 후불 결제(BNPL)의 주요 벤더는? 또 그 주요 벤더는 어떻게 성공하고 있는가?
  • 후불 결제(BNPL)에서 예상되는 가치는? 또한 그 가치에 영향을 미치는 요인에는 무엇이 있습니까?
  • 벤더는 어떻게 효율적으로 결제를 수익화하고 있는가?

주요 게시물

  1. 시장 동향 및 전략
    1. 주요 조사 결과 및 전략적 제안
    2. 시장 상황
    3. 미래 전망
  2. 경쟁 점수판
    1. Juniper Research 경쟁 스코어보드
    2. 기업 정보
  3. 데이터 및 예측
    1. 시장 개요
    2. 디지털 BNPL: 시장 예측
    3. 가요성 크레딧: 시장 예측

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.
Juniper Research의 최신 BNPL(Buy Now Pay Later) 연구는 확장되는 2022-202e 및 디지털 결제 시장에서 BNPL 체계의 빠르게 발전하는 위치에 대한 자세한 분석을 제공합니다. 여기에는 시장의 규제 조정 및 BNPL 공급업체의 운영 및 소비자의 소비 습관에 미치는 영향에 대한 평가가 포함됩니다. 또한 이 연구에는 Juniper Research Competitor Leaderboard를 통해 17개 BNPL 공급업체에 대한 광범위한 평가가 포함됩니다.

 

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.

보고서 구성 및 가격표

(1) 동향 및 전략 조사
  • 시장 동향 및 전략 보고서(PDF)
    Market trends &strategies report
GBP 1,990
  • 경쟁 스코어 보드 보고서(PDF)
    Competitor leaderboard report
GBP 1,990
(2) 시장 규모 및 예측 GBP 2,990
  • 시장 데이터, 예측, 분석 보고서(PDF)
    Market data, forecasts and analysis report (pdf)
  • 시장 데이터, 예측, 인터랙티브 데이터(Excel)
    Market data, forecasts and interactivity (xls)
  • 분기 업데이트: 시장 데이터 및 예측(PDF&Excel&온라인 액세스)
    Quarterly updates to market data & forecasts (pdf, xls, online access)
  • 최신 데이터에 대한 12개월 액세스
    harvest market data platform (12 months’ online access)
전체 세트(1과 2 모두 구입) GBP3,750

 


[보도자료]

후불 결제(BNPL) 사용자 수는 2027년까지 세계에서 9억 이상으로 크레딧의 저비용화가 촉진 요인으로
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.


목차

※풀 세트(GBP3, 750)의 일부 목차 발췌입니다. (문의폼으로 연락주시면 자세한 목차을 보내드립니다.)

  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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