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Europe Buy Now Pay Later Business and Investment Opportunities

Europe Buy Now Pay Later Business and Investment Opportunities

BNPL is becoming increasingly popular among consumers owing to rise in consumer preference for deferred payment for online purchases. Consumers prefer BNPL due to affordability and convenience it offe...

Europe Buy Now Pay Later Business and Investment Opportunities – 75+ KPIs on Buy Now Pay Later Trends by End-Use Sectors, Operational KPIs, Market Share, Retail Product Dynamics, and Consumer Demographics
Summary
BNPL is becoming increasingly popular among consumers owing to rise in consumer preference for deferred payment for online purchases. Consumers prefer BNPL due to affordability and convenience it offers. BNPL, consumer credit, or after pay enable consumers to pay money only after they meet their expectations. Some players offering BNPL service include Klarna, PayPal Credit, and Splitit.

Also, POS loans also called the consumer credit option, which offer online shoppers the option of an on-the-spot ‘buy now, pay later’ loan from a third party as they check out, are accessible at retail sites such as JD.Sports, ASOS, Nest, Arcadia Group, Media Markt, and others. Pay later is popular mainly in the retail sector due to versatile consumer behavior and intense competition . 

Among countries in Europe, BNPL is more popular in the UK as compared to other nations including Italy or Germany. Shoppers in the UK observe retail finance as a convenient way to split the cost of expensive purchases. However, in Germany, open invoice or pay after delivery is a popular payment method. In Germany, RatePay provides checkout lending solutions and open instalments for e-commerce. Other key players in the Western European market include Divido, Mash, CreditClick, and AfterPay.

Moreover, Chinese players also enabling BNPL service for western shoppers. For instance, in May 2019, Alipay, Adyen, and Klarna, partnered to enable shoppers at AliExpress to leverage Klarna’s pay later solution. This payment solution enables shoppers at AliExpress’ shoppers in Germany, the Netherlands, Austria, and Finland, to use BNPL services . The convenience and increasing availability of BNPL services in Europe is expected to increase its adoption in the coming years.

This offering from PayNXT360 is a bundled offering, combining one regional and 15 country reports. In addition, it also provides an insight brief, capturing analyst opinion on key trends, drivers, strategy, and innovation.

              Europe Buy Now Pay Later Insight Brief

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

Regional / country reports included in this bundled offering provide a comprehensive view on size and structure, industry dynamics, market trends, consumer attitude and behaviour, and competitive landscape in Buy Now Pay Later industry. These reports offer data-centric analysis of Buy Now Pay Later market dynamics to help companies understand business and investment opportunities along with risks.

Each regional / country report details market opportunities across 40 market segments in Buy Now Pay Later for the period 2019-2028 and identifies opportunities. It captures essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction across end-use segments.
Scope
Country reports in this bundled offering provide in-depth analysis of Buy Now Pay Later industry. Below is a summary of key market segments:

BNPL Market Size and Spending Pattern
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis 

Buy Now Pay Later Market Share Analysis by Key Players
Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast
• Online Channel
• POS Channel

Buy Now Pay Later in Retail Shopping: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis 

Buy Now Pay Later in Home Improvement: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis

Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis

Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis

Buy Now Pay Later in Education: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis

Buy Now Pay Later in Automotive: Market Size and Forecast
• Gross Merchandise Value Trend Analysis 
• Average Value Per Transaction Trend Analysis 
• Transaction Volume Trend Analysis

Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
• Buy Now Pay Later Sales Uplift by Product Category
• Buy Now Pay Later Spend Share by Age Group
• Buy Now Pay Later Gross Merchandise Share by Income 
• Buy Now Pay Later Gross Merchandise Value Share by Gender
• Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis
Reason to buy
• The deferred payment space is gaining momentum in European countries. Demand for BNPL payment options increased significantly during the pandemic. Financial uncertainties and easy access to the credit system are helping the BNPL market register growth in this region. It is noteworthy to mention that, according to PayNXT360’s recent survey, more than 75% of the consumers are willing to adopt the deferred payment service in France.

• In-depth Understanding of Buy Now Pay Later Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028). Understand market dynamics through essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction.

• Insights into Opportunity by end-use sectors – Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.

• Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate BNPL strategy; assess market specific key trends, drivers, and risks in the BNPL industry.

• Get Insights into Consumer Attitude and Behaviour: Drawing from proprietary survey results, this report identifies and interprets key Buy Now Pay Later KPIs, including spend by age, gender, and income level.

• Market Share by Key Players.
Table of Contents
 This offering from PayNXT360 is a bundled offering, combining one regional and 15 country reports:

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

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

1. About this Report
1.1 Summary
1.2 Scope
1.3 Methodology

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 Share by Revenue Segments
3.3 Buy Now Pay Later Merchant Commission, 2019 – 2028
3.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
3.5 Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
3.6 Buy Now Pay Later Consumer Account Count, 2019 – 2028
3.7 Buy Now Pay Later Bad Debt, 2019 – 2028

4. Buy Now Pay Later Spend Analysis by Channel
4.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
4.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
4.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

5. Buy Now Pay Later Snapshot by End-Use Sector
5.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
5.2 Buy Now Pay Later Sales Uplift by End-Use Sector
5.3 Buy Now Pay Later Share by Retail Product Category

6. Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 – 2028
6.1 Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2019-2028
6.2 Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2019-2028
6.3 Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2019-2028

7. Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 – 2028
7.1 Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2019-2028
7.2 Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2019-2028
7.3 Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2019-2028

8. Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast, 2019 – 2028
8.1 Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis, 2019-2028
8.2 Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis, 2019-2028
8.3 Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis, 2019-2028

9. Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 – 2028
9.1 Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2019-2028
9.2 Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2019-2028
9.3 Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2019-2028

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

11. Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
11.1 Buy Now Pay Later Spend Share by Age Group
11.2 Buy Now Pay Later Gross Merchandise Share by Income
11.3 Buy Now Pay Later Gross Merchandise Value Share by Gender
11.4 Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis

12. Further Reading
12.1 About PayNXT360
12.2 Related Research
12.3 PayNXT360 Knowledge Center
List Of Table
All country reports mentioned above 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$), 2019-2028
Table 3: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: Buy Now Pay Later – Revenues (Million), 2019-2028
Table 5: Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Table 6: Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Table 7: Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Table 8: Buy Now Pay Later – Consumer Account Count, 2019-2028
Table 9: Buy Now Pay Later – Bad Debt (Million), 2019-2028
Table 10: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 11: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 12: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 15: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 18: Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 21: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 24: Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
List of figures
All country reports mentioned above will have the following figures:

Figure 1: PayNXT360’s Methodology Framework
Figure 2: Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 3: Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 4: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 5: Buy Now Pay Later – Revenues (Million), 2019-2028
Figure 6: Buy Now Pay Later Share by Revenue Segments
Figure 7: Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Figure 8: Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Figure 9: Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Figure 10: Buy Now Pay Later – Consumer Account Count, 2019-2028
Figure 11: Buy Now Pay Later – Bad Debt (Million), 2019-2028
Figure 12: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 13: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 14: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 15: Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 16: Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2028
Figure 17: Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 18: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 19: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 20: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 21: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 22: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 23: Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 24: Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 27: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 30: Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 31: Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 32: Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 33: Buy Now Pay Later – Share by Age Group in Gross Merchandise Value Terms
Figure 34: Buy Now Pay Later – Share by Income Group in Value Terms
Figure 35: Buy Now Pay Later – Share by Gender in Value Terms
Figure 36: Buy Now Pay Later – Adoption Rationale Gross Merchandise Value Analysis
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