インド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

India 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、インドのBNPL決済は年率20.5％成長し、2023年には147億米ドルに達すると予想されている。インドにおける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決済の普及は予測期... 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$1,900 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	87	英語

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サマリー

PayNXT360によると、インドのBNPL決済は年率20.5％成長し、2023年には147億米ドルに達すると予想されている。

インドにおける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決済の普及は予測期間中に着実に成長し、2023～2028年のCAGRは12.2％を記録すると予想される。インドのBNPL商品総額は2022年の122億米ドルから増加し、2028年には261億米ドルに達する。

インドの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。

インドのティア II およびティア III 都市の消費者の間で柔軟な支払方法への支持が高まる中、Buy now pay later の分野は大きく成長した。この傾向は今後3～4年でさらに加速すると予想される。この支払い方法は、年齢層や階層を超えた消費者の共感を呼び、国内の多くの消費者にとってデフォルトの支払い方法となっている。

規制上の不都合はあるものの、消費者のBNPL支出は、主に年末の祝祭シーズンやホリデーシーズンにより、2022年第4四半期に大きく伸びると予想される。インフレと生活費が上昇する中、消費者が柔軟な支払い方法を選択するようになったため、この支払い方法はオンライン市場でもオフライン市場でも普及が進むと予想される。

フィンテック企業は、オンラインとオフラインの両方でBNPLサービスに対する大きな需要を経験している。

インド準備銀行は多数の規制措置を発表し、インドのBNPLプレーヤーの業務に直接的な影響を及ぼしている。規制上の問題にもかかわらず、消費者の需要が高まる中、このセクターは2022年第4四半期に力強い成長を記録すると予測されている。例えば
- LazyPay、ZestMoney、KreditBee などは、2022 年第 4 四半期に高い需要を記録した BNPL プロバイダーである。消費者は、祝祭関連の購入資金を調達するためにBNPLの支払方法に頼る人が増えており、これが国内での取扱高を大きく押し上げている。KreditBee では、2022 年の祝祭シーズンには、2021 年と比較して融資額が 100％以上増加した。BNPLサービスに対する需要の多くは、インドのTier IIおよびIII都市の消費者が牽引した。
- 需要はオンライン購入だけに顕著だったわけではない。インド有数のフィンテック企業であるPine Labs社は、オフライン決済におけるBNPLサービスの利用が急増していることを目の当たりにしている。同社は、2022年10月だけで500億インドルピー相当のBNPL取引を予測していた。これは平均的な月と比較して100％の成長である。需要の拡大に対応するため、同社は2022年10月に10万店舗とBNPLサービスの提携を発表した。パインラボは、短中期的な観点から、インド全土のティアIIIおよびIV都市でのプレゼンスを高めることが期待されている。

決済方法は中央銀行からの監視の目を強めているが、インドでは需要が増加し続けており、PayNXT360はこの傾向が今後3～4年でさらに続くと予想している。インフレと生活コストの上昇は、インドにおける消費者の導入をさらに後押しするだろう。

各プロバイダーは、インドにおけるBNPLの取引量と取引額を増加させるため、旅行業界に注目している。

パンデミックによる規制が2年間続いた後、インド市場では旅行活動が力強く回復している。拡大する観光・旅行需要を取り込むため、BNPLプレーヤーはインドの旅行系プラットフォームと戦略的提携を結んでいる。
- 2022年10月、AIを活用したファイナンシャル・ウェルネス・プラットフォームのCASHeは、鉄道チケット予約のためのオンライン旅行プラットフォームIRCTCと戦略的提携を結んだと発表した。この提携の下、両社はTravel Now Pay Laterサービスを開始し、これにより旅行者はチケット購入代金を分割で返済できるようになった。
- 旅行分野ではBNPLに対する強い需要がある。旅行関連のBNPLサービスに注力しているSanKashは、FY23第2四半期の旅行ローン額がFY23第1四半期と比較して102％増加したと発表した。需要の大半は20～30歳代の消費者が牽引している。

PayNXT360は、年末年始の休暇動向により、FY23の第3四半期および第4四半期に需要がさらに増加すると予想されることから、より多くの企業が旅行分野で力強い成長を記録すると見込んでいる。これはまた、短期的・中期的な観点から、インド市場における戦略的提携を促進するだろう。

プリペイド決済機器プロバイダーは、インドでの成長を牽引するBNPLセグメントに期待している。

インドではここ数年、デジタル決済市場が力強い成長を記録している。しかし、市場の成長により、競争環境は熾烈を極めている。競争の激しい市場での地位をさらに強化し、成長を促進するために、プリペイド決済手段を提供する企業はBNPLの機能を活用している。
- 市場シェア第3位のモバイルウォレットプロバイダーであるPaytmは、BNPL、消費者向け個人ローン、加盟店向け個人ローンなどのクレジット戦略によって成長を促進している。FY23の第2四半期には、BNPLローンがPaytmの総融資額731.3億インドルピーの55％を占めた。また、同社はBNPLを他のクレジット商品の成長促進にも活用している。例えば、個人向け融資の40％がBNPLの顧客に実行されている。これは、BNPLがクロスセルと成長促進という同社の大きな戦略の一部であることを示している。

PaytmがBNPLセグメントで力強い成長を達成したことで、PayNXT360は、市場リーダーであるPhonePeを含む他のプリペイド決済手段プロバイダーが、短期的・中期的な観点から、BNPLプレーをサービス提供に取り入れると予想している。これにより、インドのBNPL市場の競争環境はさらに促進され、今後3～4年間の業界の成長が促進されるであろう。

本レポートでは、Buy Now Pay Later (BNPL)業界の詳細なデータ中心の分析を行い、様々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。国別に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把握できます。

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、インドにおける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。金額と数量の両方のKPIは、最終市場のダイナミクスを深く理解するのに役立ちます。

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。

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

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

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

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

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

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

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

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

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

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

17 India Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
17.1 Buy Now Pay Later Spend Share by Age Group
17.1.1 India Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.2 India Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.3 India Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.4 India 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 India Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis, 2019-2028
17.2.2 India Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis, 2019-2028
17.2.3 India 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

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図表リスト

Table 1: India Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: India Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: India Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 4: India Buy Now Pay Later - Revenues (US$ Million), 2019-2028
Table 5: India Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028
Table 6: India Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028
Table 7: India Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Table 8: India Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028
Table 9: India Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028
Table 10: India Buy Now Pay Later - Two party (US$ Million), 2019-2028
Table 11: India Buy Now Pay Later - Third party (US$ Million), 2019-2028
Table 12: India Buy Now Pay Later - Convenience (US$ Million), 2019-2028
Table 13: India Buy Now Pay Later - Credit (US$ Million), 2019-2028
Table 14: India Buy Now Pay Later - Open loop system (US$ Million), 2019-2028
Table 15: India Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028
Table 16: India Buy Now Pay Later - Standalone (US$ Million), 2019-2028
Table 17: India Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028
Table 18: India Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028
Table 19: India Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Table 20: India Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Table 21: India Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: India Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 23: India Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 24: India Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: India Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 26: India Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 27: India Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 28: India Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 29: India Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 30: India Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 31: India Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 32: India Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 33: India Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 34: India Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 35: India Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 36: India Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 37: India Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 38: India Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 39: India Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 40: India Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 41: India Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 42: India Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 43: India Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 44: India Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 45: India Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 46: India Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 47: India Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 48: India Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 49: India Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 50: India Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 51: India Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 52: India Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 53: India Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 54: India Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 55: India 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 India are expected to grow by 20.5% on an annual basis to reach US$14.7 billion in 2023.

Medium to long term growth story of BNPL industry in India remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 12.2% during 2023-2028. The BNPL Gross Merchandise Value in the India will increase from US$12.2 billion in 2022 to reach US$26.1 billion by 2028.

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

The buy now pay later space has grown significantly amid the growing traction for flexible payment methods among consumers in Tier II and Tier III cities of India. The trend is expected to further accelerate over the next three to four years. The payment method has resonated with consumers across age groups and classes and has become the default payment choice for many in the country.

Despite regulatory hiccups, consumer BNPL spending is expected to grow significantly in Q4 2022, largely due to the year-end festive and holiday season. The payment method is expected to increase its penetration in both the online as well as offline market, as consumers turn to flexible payment options amid rising inflation and cost of living.

Fintech firms are experiencing huge demand for BNPL services for both online and offline purchases

The Reserve Bank of India announced a slew of regulatory measures that have had a direct impact on the operations of BNPL players in India. Despite the regulatory hiccups, the sector is projected to record strong growth in Q4 2022, amid the rising demand for consumers. For instance,
• LazyPay, ZestMoney, and KreditBee are among the many BNPL providers that have experienced high demand for their services in Q4 2022. Consumers, in increasing numbers, have resorted to the BNPL payment method to fund their festive-related purchases, which has significantly driven the volume in the country. For KreditBee, the loan disbursement increased by more than 100% during the festive season in 2022, compared to 2021. Much of the demand for BNPL services was driven by consumers in Tier II and III cities in India.
• The demand was not only evident for online purchases. Pine Labs, one of the leading fintech firms in the country, has witnessed a strong surge in the usage of BNPL services for offline payments. The firm had projected BNPL transactions worth INR 50 billion in October 2022 alone. This represents a growth of 100% compared to any month on average. To capitalize on the growing demand, the firm also announced a tie-up with 100,000 stores for BNPL services in October 2022. From the short to medium-term perspective, Pine Labs is expected to boost its presence in Tier III and IV cities across India.

While the payment method has been under growing scrutiny from the central bank, the demand has continued to increase in India, and PayNXT360 expects the trend to further continue over the next three to four years. Rising inflation and cost of living will further support consumer adoption in India.

Providers are focusing on the travel industry to drive their BNPL transaction volume and value in India

After two years of pandemic-induced restrictions, travel activities have posted a strong rebound in the Indian market. To capitalize on the growing tourism and travel demand, BNPL players are forging strategic alliances with travel-based platforms in India.
• In October 2022, CASHe, an AI-driven financial wellness platform, announced that the firm had entered into a strategic alliance with IRCTC, the online travel platform to book train tickets. Under the collaboration, the two firms have launched a travel now pay later service, thereby allowing travellers to repay their ticket purchase in installments.
• There is a strong demand for BNPL in the travel segment. SanKash, the firm that focuses on offering travel-related BNPL service, announced that the firm recorded a 102% increase in travel loan amount in Q2 FY23 compared to Q1 FY23. The majority of the demand has been driven by consumers in the age group of 20-30.

With the demand expected to further increase in Q3 and Q4 FY23, due to year-end holiday trends, PayNXT360 expects more firms to record strong growth in the travel segment. This will also drive more strategic alliances in the Indian market from the short to medium-term perspective.

Prepaid payment instrument providers are banking on the BNPL segment to drive growth in India

The digital payment market has recorded strong growth over the last few years in India. However, the growing market has resulted in a cut-throat competitive landscape. To further strengthen their position and drive growth in the competitive market, prepaid payment instrument providers are banking on BNPL capabilities.
• Paytm, the third-largest mobile wallet provider by market share is banking on its credit strategy, which includes BNPL, personal loans to consumers, and merchants, to drive growth. In Q2 FY23, BNPL loans accounted for 55% of the total INR 73.13 billion loans disbursed by the firm. The firm is also using BNPL to drive the growth of its other credit products. For instance, 40% of personal loans have been disbursed to BNPL customers. This shows that BNPL is part of the larger strategy of the firm to cross-sell and drive growth.

With the robust growth achieved by Paytm in its BNPL segment, PayNXT360 expects other prepaid payment instrument providers, including PhonePe – the market leader, to incorporate BNPL play into its service offering from the short to medium-term perspective. This will further drive the competitive landscape in the Indian BNPL market, thereby driving industry growth over the next three to four years.

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 India. 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.

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インド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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ご注文は、お電話またはWEBから承ります。お見積もりの作成もお気軽にご相談ください。

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よくあるご質問

PayNXT360社はどのような調査会社ですか?

調査レポートの納品までの日数はどの程度ですか?

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お支払方法の方法はどのようになっていますか?

データリソース社はどのような会社ですか?