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市場調查報告書

BNPL行業的歐洲市場和趨勢:2021年

Europe Buy Now Pay Later Industry and Trends 2021

出版商 yStats.com GmbH & Co. KG 商品編碼 1001383
出版日期 內容資訊 英文 67 Pages
商品交期: 最快1-2個工作天內
價格
BNPL行業的歐洲市場和趨勢:2021年 Europe Buy Now Pay Later Industry and Trends 2021
出版日期: 2021年04月20日內容資訊: 英文 67 Pages
簡介

由於2020年全球經濟動盪,BNPL服務受到了商人和消費者的特別關注。在歐洲,五分之一的零售商提供付款方式,與接受信用卡的零售商的比例相比,它們的份額不是很大。歐洲市場也特別適合BNPL服務。這是因為其前身發票付款在某些市場中已存在很長時間,這使該方法成為德國,奧地利和瑞士的許多消費者的一種習慣。

本報告對歐洲BNPL市場的現狀和趨勢進行了調查和分析,並提供了有關包括主要BNPL服務提供商在內的歐洲行業發展的系統信息。

目錄

第1章管理摘要

第2章世界概述

  • BNPL法規概述
  • BNPL的趨勢和關聯商店的優勢
  • 預訂旅行相關服務時的付款方式細目,包括BNPL在內的成年旅客百分比

第3章歐洲

  • 跨境BNPL的份額,佔跨境BNPL交易總數的百分比
  • BNPL啟動概述,包括Tymit,Montonio,Revo,Zilch,Alma
  • 商家提供的主要付款方式的分解,商家(包括BNPL)的 "增長" 和 "非增長" 概念
  • 信貸/使用的BNPL提供商的細分,受訪者的百分比
  • 希望將BNPL添加到其信用卡或支票帳戶中的消費者比例,BNPL用戶的百分比
  • 傾向於分期付款然後一次性付款的BNPL用戶的份額
  • BNPL服務提供商,按年齡段劃分的平均客戶債務(GBP)
  • BNPL服務提供商按年齡段劃分的BNPL平均償還期(每月)
  • 在可用的BNPL期權上花費很多的受訪者所佔比例,未支付BNPL付款的受訪者所佔比例
  • BNPL用例的細分,BNPL用戶的百分比等。

第4章BNPL主要服務提供商:克拉納

第5章主要BNPL服務提供商:後付款

第6章BNPL主要服務提供商:確認

第7章提供BNPL服務的支付服務商

  • 各種服務商(包括Stripe,Mastercard,Shopify)的BNPL活動概述
  • 錯過了BNPL付款的PayPal信用用戶的份額
目錄
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