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Italy Buy Now Pay Later Business and Investment Opportunities

Italy Buy Now Pay Later Business and Investment Opportunities

The growth of the BNPL model in Italy has been driven by the need for a more convenient and transparent alternative payment solution that can align with consumers' evolving preferences in the country....

Italy 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
The growth of the BNPL model in Italy has been driven by the need for a more convenient and transparent alternative payment solution that can align with consumers' evolving preferences in the country. The rising market opportunities have attracted a lot of deferred payment providers in the Italian market. According to PayNXT360’s Q2 2021 BNPL Survey, BNPL payment in the country is expected to grow by 67.7% on annual basis to reach US$ 2,907.9 million in 2021.
 
Along with homegrown BNPL companies such as Scalapay and Soisy, global players including Clearpay and Klarna have also launched their deferred payment solution for Italian consumers. All of these BNPL operators are creating customized partnerships with merchants and retailers to drive their market share in the growing BNPL space in Italy.

PayNXT360 expects more niche-focused deferred payment service offering over the next four to eight quarters. For instance, strategic partnerships of BNPL provider with conventional banks, retailers, and travel agencies are likely to increase. 

Moreover, the expected double-digit growth in the Italian e-commerce industry in 2021 and beyond is also likely to boost the country's adoption of deferred payment services over the next forecast period. However, implementing a new regulatory framework might impact the growth of the BNPL industry in the country. 

In Italy, domestic BNPL providers are raising funds to compete against global BNPL players. For instance, in January 2021, Scalapay raised US$48 million, marking the first significant funding for the Milan-based Italian BNPL startup since its launch in 2019. The BNPL provider plans to use the funding round to continue building its tech platform while expanding its services in other European markets. Notably, the deferred payment startup has begun working on its efforts to break into the other overseas markets, such as the United States.

Medium to long term growth story of BNPL industry in Italy remains strong. The BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 28.6% during 2021-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 1,734.5 million in 2020 to reach US$ 16,871.3 million by 2028.
Scope
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Italy. Below is a summary of key market segments:
Italy BNPL Market Size and Spending Pattern
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis 

Italy Buy Now Pay Later Market Share Analysis by Key Players
Italy Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast
•	Online Channel
•	POS Channel
Italy 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 
Italy 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
Italy 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
Italy 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
Italy 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
Italy 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
Italy 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
• Domestic BNPL providers are raising funds to compete against global BNPL players operating in Italy. In January 2021, Scalapay raised US$48 million, marking the first significant funding for the Milan-based Italian BNPL startup since its launch in 2019.

• 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
 1. About this Report
1.1 Summary
1.2 Methodology
1.3 Disclaimer

2. Italy BNPL Market Size and Future Growth Dynamics
2.1 Consumer Behavior
2.2 Competitive Landscape and Growth Strategies
2.3 Market Share
2.4 Regulatory Trends

3. Italy Buy Now Pay Later Industry Attractiveness
3.1 Italy Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2019-2028
3.2 Italy Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2019-2028
3.3 Italy Buy Now Pay Later – Transaction Volume Trend Analysis, 2019-2028

4. Italy Buy Now Pay Later Operational KPIs
4.1 Buy Now Pay Later Revenues, 2019 – 2028
4.2 Buy Now Pay Later Share by Revenue Segments
4.3 Buy Now Pay Later Merchant Commission, 2019 – 2028
4.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
4.5 Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
4.6 Buy Now Pay Later Consumer Account Count, 2019 – 2028
4.7 Buy Now Pay Later Bad Debt, 2019 – 2028

5. Italy Buy Now Pay Later Spend Analysis by Channel
5.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
5.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
5.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

6. Italy Buy Now Pay Later Snapshot by End-Use Sector
6.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
6.2 Buy Now Pay Later Sales Uplift by End-Use Sector
6.3 Buy Now Pay Later Share by Retail Product Category

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

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

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

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

11. Italy Buy Now Pay Later in Other Segment: Market Size and Forecast, 2019 – 2028
11.1 Italy Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis, 2019-2028
11.2 Italy Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis, 2019-2028
11.3 Italy Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis, 2019-2028

12. Italy Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
12.1 Buy Now Pay Later Spend Share by Age Group
12.2 Buy Now Pay Later Gross Merchandise Share by Income
12.3 Buy Now Pay Later Gross Merchandise Value Share by Gender
12.4 Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis

13. Further Reading
13.1 About PayNXT360
13.2 Related Research
List Of Table
Table 1: Italy Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: Italy Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: Italy Buy Now Pay Later – Revenues (Million), 2019-2028
Table 5: Italy Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Table 6: Italy Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Table 7: Italy Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Table 8: Italy Buy Now Pay Later – Consumer Account Count, 2019-2028
Table 9: Italy Buy Now Pay Later – Bad Debt (Million), 2019-2028
Table 10: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 11: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 12: Italy Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: Italy Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: Italy Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 15: Italy Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: Italy Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: Italy Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 18: Italy Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: Italy Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: Italy Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 21: Italy Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Italy Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: Italy Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 24: Italy Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Italy Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: Italy Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: Italy Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: Italy Buy Now Pay Later – Share by Gender and Age Group
Figure 4: Italy Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: Italy Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 5019-5058
Figure 6: Italy Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 8: Italy Buy Now Pay Later – Revenues (Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: Italy Buy Now Pay Later – Merchant Commission (Million), 2019-20210
Figure 11: Italy Buy Now Pay Later – Missed Payment Fee Revenue (Million), 20111-20211
Figure 12: Italy Buy Now Pay Later Pay Now & Other Income (Million), 20112-2028
Figure 13: Italy Buy Now Pay Later – Consumer Account Count, 2019-2028
Figure 14: Italy Buy Now Pay Later – Bad Debt (Million), 2019-2028
Figure 15: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 16: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 17: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 18: Italy Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 19: Italy Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2028
Figure 20: Italy Buy Now Pay Later – Market Share by End-Use Sector, 2020 Vs. 2025
Figure 21: Italy Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2028
Figure 22: Italy Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2222-2228
Figure 23: Italy Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2319-2328
Figure 24: Italy Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: Italy Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: Italy Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 27: Italy Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: Italy Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: Italy Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 30: Italy Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2030
Figure 31: Italy Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2031
Figure 32: Italy Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 33: Italy Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: Italy Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 35: Italy Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 36: Italy Buy Now Pay Later – Share by Age Group in Gross Merchandise Value Terms
Figure 37: Italy Buy Now Pay Later – Share by Income Group in Value Terms
Figure 38: Italy Buy Now Pay Later – Share by Gender in Value Terms
Figure 39: Buy Now Pay Later – Adoption Rationale Gross Merchandise Value Analysis
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