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Italy Buy Now Pay Later Business and Investment Opportunities

Italy Buy Now Pay Later Business and Investment Opportunities

According to PayNXT360’s Q4 2021 BNPL Survey, BNPL payment in Italy is expected to grow by 70.7% on annual basis to reach US$ 3936.6 million in 2022. Medium to long term growth story of BNPL industry...

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 - Q1 2022 Update
Summary
According to PayNXT360’s Q4 2021 BNPL Survey, BNPL payment in Italy is expected to grow by 70.7% on annual basis to reach US$ 3936.6 million in 2022.

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 36.0% during 2022-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 2305.6 million in 2021 to reach US$ 24868.9 million by 2028.

Over the last four to eight quarters, buy now, pay later (BNPL) has become one of the most popular payment methods among consumers in Italy. While the global pandemic has accelerated the adoption of BNPL products among consumers, PayNXT360 expects the industry to continue its robust growth over the next four to eight quarters. With the high growth potential offered by the Italian BNPL market, PayNXT360 expects BNPL providers to raise funds quite aggressively to further expand their growth.

Global payments companies are launching buy now pay later services in Italy 

As the demand for buy now, pay later (BNPL) services continue to grow among consumers in Italy, global payment companies are launching their own in-house BNPL products in Italy. For instance, 

• In November 2021, PayPal announced that the firm is launching its in-house BNPL product for consumers in the country, thereby allowing its users to spread the cost of their purchases in monthly, interest-free installments. Notably, consumers can use the BNPL product offered by PayPal to complete purchases up to EUR 2,000. 
• The launch of the PayPal BNPL product comes amid the growing online shopping market in the country, which has recorded robust growth over the last few quarters. PayPal will be competing with global BNPL giant Klarna and home-grown BNPL product Scalapay for market share in the country. 

With PayPal joining the BNPL space in Italy, PayNXT360 expects the competition and innovation to further intensify in the country over the next four to eight quarters.

Strategic alliances are rising to launch innovative split payment solutions in Italy

As the BNPL market continues to record robust growth in Italy, businesses are entering into strategic partnerships to launch their own deferred payment product in the country. For instance, 

• In November 2021, Younited, the French BNPL platform, Bankable, the global architect of Banking as a Service solution, and LiftForward, the leading BNPL subscription platform, entered into a strategic partnership to launch an innovative split payment solution for consumers in Italy. 
• The nature of the strategic partnership is as such that Bankable is facilitating payments by providing consumers with virtual cards, Younited is underwriting and funding consumer purchases through their consumer-facing front-end, and LiftForward is connecting all the stakeholders. 

Italian BNPL firms are raising funds to expand into other high-growth European markets 

BNPL firms are aggressively raising fresh capital to scale their services, invest in product development, and expand their footprints in other high-growth markets. Notably, similar trends are visible in Italy, where BNPL firms are raising funding round to expand their product offering in other European markets. For instance, 

• In September 2021, Italy-based BNPL firm, Scalapay, announced that the firm had raised US$155 million in its Series A funding round led by Tiger Global. The firm is planning to use the newly infused capital for funding its expansion into other high-growth European markets such as the United Kingdom, where it will be competing with the global BNPL giant Klarna and new entrant Zilch. 
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 Operational KPIs
• Buy Now Pay Later Revenues, 2019 – 2028
• Buy Now Pay Later Share by Revenue Segments
• Buy Now Pay Later Merchant Commission, 2019 – 2028
• Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
• Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
• Buy Now Pay Later Accounts, 2019 – 2028
• Buy Now Pay Later Bad Debt, 2019 – 2028
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 Other: 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
• 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 Accounts, 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

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$), 2019-2028
Table 3: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 4: Italy Buy Now Pay Later – Revenues (US$ Million), 2019-2028
Table 5: Italy Buy Now Pay Later – Merchant Commission (US$ Million), 2019-2028
Table 6: Italy Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2019-2028
Table 7: Italy Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Table 8: Italy Buy Now Pay Later – Accounts (Thousand), 2019-2028
Table 9: Italy Buy Now Pay Later – Bad Debt (US$ Million), 2019-2028
Table 10: Italy Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Table 11: Italy Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ 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$), 2019-2028
Table 14: Italy Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 15: Italy Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: Italy Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: Italy Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 18: Italy Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: Italy Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: Italy Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 21: Italy Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Italy Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: Italy Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 24: Italy Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Italy Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: Italy Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Thousand), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: Italy Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: Italy Buy Now Pay Later – Share by Gender and Age Group
Figure 4: Italy Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: Italy Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 6: Italy Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: Italy Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 8: Italy Buy Now Pay Later – Revenues (US$ Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: Italy Buy Now Pay Later – Merchant Commission (US$ Million), 2019-2028
Figure 11: Italy Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2019-2028
Figure 12: Italy Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Figure 13: Italy Buy Now Pay Later – Accounts (Thousand), 2019-2028
Figure 14: Italy Buy Now Pay Later – Bad Debt (US$ Million), 2019-2028
Figure 15: Italy Buy Now Pay Later – Gross Merchandise Value Market Share by Channel (%), 2019-2028
Figure 16: Italy Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Figure 17: Italy Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Figure 18: Italy Buy Now Pay Later – Market Share by End-Use Sector, 2021 Vs. 2028
Figure 19: Italy Buy Now Pay Later – Market Share by End-Use Segment, 2021
Figure 20: Italy Buy Now Pay Later – Market Share by Retail Product Category, 2021
Figure 21: Italy Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 22: Italy Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 23: Italy Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 24: Italy Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: Italy Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: Italy Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 27: Italy Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: Italy Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: Italy Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 30: Italy Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 31: Italy Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 32: Italy Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 33: Italy Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ 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 (Thousand), 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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