欧州のBuy Now Pay Laterビジネスと投資機会データブック BNPL市場規模、エンドユーザー部門、市場シェア、製品分析、ビジネスモデル、人口統計に関する75以上のKPI - 2023年第2四半期最新版

Europe Buy Now Pay Later Business and Investment Opportunities Databook 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q2 2023 Update

PayNXT360によると、同地域のBNPL決済は年率18.2％成長し、2023年には1,901億米ドルに達すると予想されている。欧州におけるBNPL業界の中長期的な成長ストーリーは依然として力強い。BNPL決済の導入は予測期... もっと見る

出版社	出版年月	電子版価格	ページ数	言語
PayNXT360 ペイネクスト360	2023年8月25日	US$9,900 シングルユーザライセンスライセンス・価格情報・注文方法はこちら	1,479	英語

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サマリー

PayNXT360によると、同地域のBNPL決済は年率18.2％成長し、2023年には1,901億米ドルに達すると予想されている。

欧州におけるBNPL業界の中長期的な成長ストーリーは依然として力強い。BNPL決済の導入は予測期間中に着実に成長し、2023-2028年のCAGRは11.4％を記録すると予想される。同地域のBNPL商品総額は2022年の1,609億米ドルから増加し、2028年には3,262億米ドルに達する。

欧州地域のBNPL決済業界は、eコマースの普及率上昇に支えられ、過去4四半期にわたって力強い成長を記録している。

欧州市場では、Buy Now Pay Laterプロバイダー間の競争が激化しており、業界の形が変わりつつある。2022年には、生活費の高騰とインフレ率の上昇により、BNPLスキームが採用されるようになり、その普及は下半期に大きく拡大した。Klarnaの評価額は大幅に下落したが、欧州のBNPL業界では強力な足場を維持し続けている。

MonzoやRevolutなどのネオ・バンクも、欧州で拡大する競争環境に参入している。欧州全域で市場減速の兆しが見られる中、BNPLスキームの人気は急上昇しており、短・中期的な観点からデジタル決済エコシステムを形成し続けると予想される。欧州のBNPL市場は、盛んなB2B BNPLセグメントから成長支援を受けると予想される。

大手ベンチャーキャピタルやプライベートエクイティ企業の多くがこの分野の成長を見込んでおり、PayNXT360はB2B BNPLが今後3～4年の間に欧州BNPL業界の次の成長段階を牽引すると予想している。

欧州を拠点とするBNPL新興企業は、さらなる事業拡大と成長加速のために資金調達ラウンドを実施している。

欧州ではBNPLのビジネスモデルに対する批判が高まっているが、この決済方法は消費者の間で高い普及率を維持している。その結果、フィンテック企業は急成長を遂げている。成長の勢いを維持し、同地域でのプレゼンスをさらに拡大するため、欧州を拠点とするプロバイダーは資金調達ラウンドを実施している。例えば
- 2022年12月、英国を拠点とする自動車修理のBNPL新興企業Bumperは、拡張シリーズAラウンドで26.1ポンドを調達したと発表した。この投資ラウンドには伊藤忠商事、JLR Investment、Revo Capitalなどが参加した。欧州では生活費が高騰しているため、車の修理資金をBNPL制度に頼る車の所有者が増えている。同社は英国で力強い成長を記録し、アイルランド、スペイン、ドイツでも同様の成長軌道にある。

自動車に特化したBNPLの新興企業は、自動車修理サービスの柔軟な支払い方法を求める消費者が増えていることから、短・中期的な観点から、より多くの欧州諸国で事業をさらに拡大する計画だ。

B2B BNPLは欧州全域で力強い牽引力を得ている

マクロ経済環境は、業種を問わず様々なビジネスの成長を鈍らせている。さらに、金利の上昇は、欧州の中小企業にとって資本へのアクセスがさらに高コストになっていることを意味する。その結果、在庫の資金調達などの運転資金を利用するために、B2B BNPLプラットフォームを利用する企業が増えている。
- Billie、Playter、Hokodo、Monduは、欧州で過去12ヶ月間に力強い成長を記録した数多くのB2B BNPL企業のひとつである。これらの企業はいずれも2022年にベンチャーキャピタルやプライベートエクイティから数百万ドルの資金を調達しており、PayNXT360はこの傾向が2023年もさらに続くと予想している。

中央銀行の勘定が金利を引き上げるにつれて、伝統的な方法による資本へのアクセスは中小企業にとってコスト高になると予想される。このことは、中小企業をB2B BNPLプロバイダーへと向かわせ続け、それによって欧州の短中期的な視点から業界の成長を支えることになるだろう。

欧州の小売業者は、BNPLの支払いオプションを利用して、顧客エンゲージメントと売上を促進している。

BNPLスキームの注目度は、過去2年間で著しく高まっている。企業はこの支払い方法を、顧客とのエンゲージメントを促進し、企業の収益と売上を増加させる可能性のある方法と見なしている。
- 2022年11月、フランスの多国籍小売業者であるCarrefourは、2023年に店舗内取引用のBNPL商品を発売する意向であることを発表した。BNPL商品の発売は、2023年に欧州全域でオムニチャネルの顧客エンゲージメントを推進するための戦略の一環である。

決済方法がビジネス戦略の不可欠な一部となりつつある中、今後より多くの企業がBNPLスキームを利用することが予想される。これにより、今後3～4年間は店舗でのBNPLの金額と数量がさらに増加し、市場全体の成長が促進されるだろう。

この地域別レポートは、地域別および国別のBNPL（Buy Now Pay Later）業界を詳細に分析し、さまざまな小売カテゴリーにおける市場機会とリスクを網羅しています。国レベルで75以上のKPIを掲載し、BNPL市場のダイナミクス、市場規模および予測、市場シェア統計を包括的に理解することができます。

ビジネスモデルのタイプ、販売チャネル（オフラインとオンライン）、流通モデル別に市場機会を分類しています。さらに、消費者行動と小売支出動向のスナップショットも提供しています。最終市場のダイナミクスを深く理解するために、金額と数量の両方のKPIが役立ちます。

PayNXT360の調査手法は業界のベストプラクティスに基づいています。その偏りのない分析は、独自の分析プラットフォームを活用し、新たなビジネスや投資市場の機会に関する詳細な見解を提供します。

PayNXT360の本タイトルは、以下の17のレポート（935の表と1190のグラフ）をバンドルしたものです：

1.欧州のBuy Now Pay Later Insight Brief
2.欧州のBuy Now Pay Laterビジネスと投資機会（2019-2028）データブック
3.オーストリアの後払いビジネスと投資機会（2019-2028年）データブック
4.ベルギーBuy Now Pay Laterビジネスと投資機会（2019-2028）データブック
5.デンマークのBuy Now Pay Laterビジネスと投資機会（2019-2028）データブック
6.フィンランド Buy Now Pay Laterのビジネスと投資機会（2019-2028）データブック
7.フランスの後払いビジネスと投資機会（2019-2028）データブック
8.ドイツ Buy Now Pay Laterビジネスと投資機会（2019-2028）データブック
9.ギリシャ Buy Now Pay Laterビジネスと投資機会（2019-2028）データブック
10.イタリアの後払いビジネスと投資機会（2019-2028）データブック
11.オランダ Buy Now Pay Laterビジネスと投資機会（2019-2028）データブック
12.ノルウェーのBuy Now Pay Laterビジネスと投資機会（2019-2028）データブック
13.ポーランドの後払いビジネスと投資機会（2019-2028）データブック
14.スペインの後払いビジネスと投資機会（2019-2028）データブック
15.スウェーデン Buy Now Pay Laterのビジネスと投資機会（2019-2028）データブック
16.スイスバイ・ナウ・ペイ・レターのビジネスと投資機会（2019-2028）データブック
17.英国のBuy Now Pay Laterビジネスと投資機会（2019-2028）データブック

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This title from PayNXT360 is a bundled offering, combining the following 17 reports, covering 935 tables and 1190 figures:

1. Europe Buy Now Pay Later Insight Brief
2. Europe Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
3. Austria Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
4. Belgium Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
5. Denmark Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
6. Finland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
7. France Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
8. Germany Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
9. Greece Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
10. Italy Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
11. Netherlands Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
12. Norway Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
13. Poland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
14. Spain Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
15. Sweden Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
16. Switzerland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
17. United Kingdom Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook

All global, regional, and country reports mentioned above will have the following tables of contents:

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

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

3 Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2019 - 2028
3.2 Buy Now Pay Later Revenue by Streams, 2022 vs 2028
3.2.1 Buy Now Pay Later Revenue by Consumer driven, 2019 - 2028
3.2.2 Buy Now Pay Later Revenue by Merchant driven, 2019 - 2028
3.3 Buy Now Pay Later Share by Revenue Segments
3.3.1 Buy Now Pay Later Revenue by Merchant Commission, 2019 - 2028
3.3.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2019 - 2028
3.3.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2019 - 2028
3.4 Buy Now Pay Later Active Consumer Base, 2019 - 2028
3.5 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 Payments, 2019 - 2028
7.3 Buy Now Pay Later by Ecommerce, 2019 - 2028

8 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 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 Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2019-2028
9.5 Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2019-2028
9.6 Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2019-2028
9.7 Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2019-2028
9.8 Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2019-2028
9.9 Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2019-2028
9.10 Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2019-2028

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

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

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

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

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

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

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

17 Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
17.1 Buy Now Pay Later Spend Share by Age Group
17.2 Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2019-2028
17.3 Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2019-2028
17.4 Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2019-2028
17.5 Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2019-2028
17.6 Buy Now Pay Later Spend Share by Default Rate by Age Group
17.7 Buy Now Pay Later Share by Income
17.8 Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis, 2019-2028
17.9 Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis, 2019-2028
17.10 Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis, 2019-2028
17.11 Buy Now Pay Later Gross Merchandise Value Share by Gender
17.12 Buy Now Pay Later Adoption Rationale

18 Further Reading
18.1 About PayNXT360
18.2 Related Research

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図表リスト

This bundled offering has 55 tables across 17 regional and country reports. All regional and country reports will have the following tables:

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

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Table of Contents
List of Tables/Graphs

Summary

According to PayNXT360, BNPL payments in the region are expected to grow by 18.2% on an annual basis to reach US$190.1 billion in 2023.

Medium to long term growth story of BNPL industry in Europe remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 11.4% during 2023-2028. The BNPL Gross Merchandise Value in the region will increase from US$160.9 billion in 2022 to reach US$326.2 billion by 2028.

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

The growing competition between buy now pay later providers in the European market is reshaping the industry. In 2022, BNPL schemes became a household name amid the growing adoption, which has grown significantly in H2 2022 due to the surging cost of living and rising inflation. While Klarna has seen its valuation drop significantly, it has continued to maintain a strong foothold in the European BNPL industry.

Neo-banks, including Monzo and Revolut, has also forayed into the growing competitive landscape in Europe. With so signs of a market slowdown across Europe, the surging popularity of BNPL schemes is expected to keep shaping the digital payment ecosystem from the short to medium-term perspective. The European BNPL market is expected to receive growth assistance from the flourishing B2B BNPL segment.

Many of the leading venture capital and private equity firms are foreseeing growth in the space, and PayNXT360 expects B2B BNPL to drive the next growth phase for the European BNPL industry over the next three to four years.

Europe-based BNPL startups are raising funding rounds to further expand and accelerate their growth

Despite the growing scrutiny of the BNPL business model in Europe, the payment method has continued to experience high adoption among consumers. This has resulted in rapid growth for fintech firms. To keep up their growth momentum and to further expand their presence in the region, Europe-based providers are raising funding rounds. For instance,
• In December 2022, Bumper, a United Kingdom-based BNPL startup for vehicle repairs, announced that the firm had raised £26.1 in an extended Series A round. The investment round saw participation from ITOCHU, JLR Investment, and Revo Capital, among others. As the cost of living rises in Europe, more and more vehicle owners have turned to BNPL schemes for funding the repair of their cars. The firm had recorded strong growth in the United Kingdom and is on a similar growth trajectory in Ireland, Spain, and Germany.

From the short to medium-term perspective, the automotive-focused BNPL startup is planning to further expand its operations in more European countries, as a growing number of consumers seek flexible payment options for their vehicle repair services.

B2B BNPL is gaining strong traction across Europe

The macroeconomic environment has dampened the growth of various businesses across industry verticals. Moreover, the rise in interest rates means that access to capital has become even costlier for small and medium-sized businesses in Europe. As a result, more and more businesses are turning to B2B BNPL platforms to access working capital for funding inventories, among other things.
• Billie, Playter, Hokodo, and Mondu are among the many B2B BNPL firms that have recorded strong growth over the last 12 months in Europe. All of these firms have also scored millions of dollars in venture capital and private equity funding in 2022, and PayNXT360 expects the trend to further continue in 2023.

As central bank accounts hike interest rates, access to capital through traditional is expected to become costlier for small and medium-sized businesses. This will keep driving SMEs toward B2B BNPL providers, thereby supporting the growth of the industry from the short to medium-term perspective in Europe.

European retailers are banking on BNPL payment option to drive customer engagement and sales

The prominence of BNPL schemes has grown significantly over the last two years. Businesses are seeing the payment method as a potential way to drive customer engagement, thereby resulting in increased revenue and sales for the firm.
• In November 2022, Carrefour, the French multinational retailer, announced that the firm is intending to launch a BNPL product for in-store transactions in 2023. The launch of the BNPL product is part of the firm’s strategy to drive 2023 omnichannel customer engagement across Europe.

With the payment method becoming an integral part of business strategy, more businesses are expected to bank on BNPL schemes going forward. This will further drive in-store BNPL value and volume over the next three to four years, thereby assisting the growth of the overall market.

This regional report provides a detailed analysis of Buy Now Pay Later (BNPL) industry at regional and country level, 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. 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.

This title from PayNXT360 is a bundled offering, combining the following 17 reports (935 tables and 1190 charts):

1. Europe Buy Now Pay Later Insight Brief
2. Europe Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
3. Austria Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
4. Belgium Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
5. Denmark Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
6. Finland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
7. France Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
8. Germany Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
9. Greece Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
10. Italy Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
11. Netherlands Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
12. Norway Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
13. Poland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
14. Spain Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
15. Sweden Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
16. Switzerland Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
17. United Kingdom Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook

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欧州のBuy Now Pay Laterビジネスと投資機会データブック BNPL市場規模、エンドユーザー部門、市場シェア、製品分析、ビジネスモデル、人口統計に関する75以上のKPI - 2023年第2四半期最新版

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