According to PayNXT360, BNPL payment market in South Africa is expected to grow by 22.2% on annual basis to reach US$1,170.0 million in 2026. The buy now pay later market in the country has experienc...
According to PayNXT360, BNPL payment market in South Africa is expected to grow by 22.2% on annual basis to reach US$1,170.0 million in 2026. The buy now pay later market in the country has experienced robust growth during 2022-2025, achieving a CAGR of 26.6%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 17.9% from 2026-2031. By the end of 2031, the BNPL sector is projected to expand from its 2025 value of USD 957.6 million to approximately USD 2,669.3 million. Key Trends and Drivers 1. Consumers Shift Toward Regulated BNPL and Credit-Linked Instalments • BNPL usage in Singapore is moving toward regulated offerings and credit-linked instalment products, driven by consumer preference for predictable repayment structures. Providers such as Atome, Grab PayLater and ShopBack PayLater remain active, but banks are increasingly offering instalment plans directly on credit and debit accounts. The Buy Now Pay Later Framework, implemented by the Monetary Authority of Singapore (MAS) and the BNPL Working Group in 2024, formalised caps on late fees, credit limits, and repayment disclosures, influencing how providers design products. • Regulatory tightening has created a clearer structure for consumer protection, making MAS-aligned instalment products more attractive to both consumers and merchants. Banks and regulated FIs see an opportunity to strengthen customer retention by integrating instalment features into cards and mobile banking apps. Large ecommerce and mobility platforms, especially Grab and Shopee, are embedding more compliant BNPL flows to maintain merchant acceptance. • Regulated BNPL is expected to become the standard. Fintechs may face higher compliance costs and increased reliance on bank partnerships for underwriting. Bank-led instalments are likely to gain share, particularly for repeat borrowers, and the distinction between BNPL and traditional revolving credit will narrow further. 2. E-commerce and Lifestyle Services Drive Embedded BNPL Adoption • BNPL is expanding beyond retail into lifestyle services, including travel, wellness, and mobility subscriptions. Travel platforms such as Trip.com and airlines, including Singapore Airlines’ KrisShop, are increasingly integrating BNPL at checkout. Lifestyle merchants in fitness, electronics, and home services have also expanded BNPL acceptance, with Atome and Grab strengthening omnichannel integrations. • Singapore’s high ecommerce penetration and digital-first retail environment enable BNPL to be embedded in merchant apps and payment gateways with minimal friction. Merchants are using BNPL to drive conversions in discretionary categories where ticket sizes are rising amid inflationary pressures. PSPs such as Adyen, Stripe, and Shopify have integrated BNPL options across Singapore-based merchants, reducing technical barriers. • BNPL usage will broaden beyond fashion and electronics toward travel, recreation, and subscription services. Embedded distribution via PSPs and marketplaces will reduce BNPL providers' customer acquisition costs. Merchant-level adoption is expected to deepen even if transaction sizes remain regulated. 3. Providers Strengthen Credit Risk Controls Under MAS Expectations • BNPL providers in Singapore are adjusting underwriting, credit limits, and behavioural monitoring in response to MAS guidelines. Firms such as Atome and Grab have introduced more explicit affordability checks, transaction caps, and repayment reminders. The BNPL Working Group’s framework covering credit limit thresholds, consumer education, and data sharing has set expectations for ongoing monitoring of customer behaviour. • Increased policy focus on household leverage and overspending risk has encouraged providers to adopt more conservative underwriting models. Providers rely more on repayment behaviour and bank-account-based signals rather than pure transaction data, aligning with MAS guidance. Rising media coverage of consumer debt risk has put providers under reputational pressure to demonstrate responsible lending practices. • Credit tightening will reduce delinquency volatility and improve funding sustainability for BNPL providers. It may, however, slow customer acquisition among younger consumers who previously relied on lower-friction onboarding. Providers with strong risk models and diversified revenue streams will be better positioned to scale sustainably under the regulated environment. 4. BNPL Providers Pursue Funding Diversification and Ecosystem Partnerships • BNPL companies in Singapore are widening their funding and partnership strategies as the cost of capital increases and regulatory expectations evolve. Firms such as Atome have formed regional credit partnerships with banks and non-bank financing institutions, while Grab PayLater leverages its financial services arm, GrabFin, to support cross-product monetisation across payments, insurance, and lending. • BNPL providers require stable capital sources to sustain instalment financing, especially when fees are capped. The shift toward ecosystem-based financial services encourages providers to link BNPL with loyalty programmes, digital wallets, and broader lifestyle services. Competition from banks pushes fintech players to collaborate rather than compete directly on balance-sheet strength. • Partnership-driven BNPL delivery will expand, with banks providing funding while BNPL providers focus on consumer experience and merchant integration. Larger platforms such as Grab and Shopee will retain a competitive advantage through ecosystem reach. Smaller standalone BNPL fintechs may consolidate or specialise in niche sectors due to rising operating requirements. Competitive Landscape Over the next 2–4 years, regulatory compliance will remain a central competitive differentiator. Platform-based distribution will continue to favour Grab and Shopee-linked ecosystems, while banks are expected to gain share due to lower risk thresholds. Fintech BNPL providers may pursue deeper funding partnerships with financial institutions as operating requirements increase. Competitive intensity will stabilise, with differentiation shifting toward underwriting discipline, multi-service integration, and merchant platform partnerships. Current State of the Market • BNPL in Singapore operates within a concentrated environment dominated by platform-led providers, regional fintechs, and bank-linked instalment offerings. Competitive intensity has shifted from rapid merchant acquisition toward compliance readiness following the 2024 BNPL Framework introduced by MAS and the industry working group. • Providers such as Atome, Grab PayLater, and ShopBack PayLater maintain strong retail and lifestyle penetration, while banks continue to strengthen card-based instalments as a regulated alternative. Payment service providers (PSPs), including Stripe, Adyen, and Shopify, are increasingly shaping provider visibility by embedding BNPL options into merchant checkout stacks. Key Players and New Entrants • Atome remains a prominent regional player across fashion, electronics, and lifestyle services through extensive merchant integrations. Grab PayLater leverages its ecosystem spanning transport, food delivery, and ecommerce to maintain broad usage. ShopBack PayLater (in partnership with Hoolah’s successor platform) maintains a presence in lifestyle and SME retail. • On the banking side, DBS, OCBC, and UOB continue expanding instalment plans within credit products, positioning themselves as compliant and low-risk options. New standalone BNPL entrants have been limited over the past 12 months due to heightened regulatory expectations and increased funding constraints in the fintech sector. Recent Launches, Mergers, and Acquisitions • Partnership activity has been more prominent than M&A. In 2024, Atome expanded partnerships with regional PSPs and travel platforms to strengthen cross-border acceptance. Grab enhanced PayLater integration within GrabFin and merchant commerce tools. • Banks focused on improving instalment transparency and digital onboarding, but did not engage in BNPL-specific acquisitions. The market has seen consolidation in earlier years, and current activity reflects incremental feature upgrades rather than new entrants acquiring market share. This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in South Africa, covering market opportunities and risks across a range of retail categories. With over 90+ KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an 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 of emerging business and investment market opportunities.
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Singapore through 58 tables and 82 charts. Below is a summary of key market segments: Singapore Retail Industry & Ecommerce Market Size and Forecast -- Retail Industry – Spend Value Trend Analysis -- Buy Now Pay Later Share of Retail Industry -- Ecommerce – Spend Value Trend Analysis -- Buy Now Pay Later Share of Ecommerce Singapore Buy Now Pay Later Market Size and Industry Attractiveness -- Gross Merchandise Value Trend Analysis -- Average Value Per Transaction Trend Analysis -- Transaction Volume Trend Analysis -- Market Share Analysis by Key Players Singapore Buy Now Pay Later Revenue Analysis -- Buy Now Pay Later Revenues -- Buy Now Pay Later Share by Revenue Segments -- Buy Now Pay Later Revenue by Merchant Commission -- Buy Now Pay Later Revenue by Missed Payment Fee Revenue -- Buy Now Pay Later Revenue by Pay Now & Other Income Singapore Buy Now Pay Later Operational KPIs -- Buy Now Pay Later Active Consumer Base -- Buy Now Pay Later Bad Debt Singapore Buy Now Pay Later Spend Analysis by Business Model -- Two-Party Business Model -- Third-Party Business Model Singapore Buy Now Pay Later Spend Analysis by Purpose -- Convenience -- Credit Singapore Buy Now Pay Later Spend Analysis by Merchant Ecosystem -- Open Loop System -- Closed Loop System Singapore Buy Now Pay Later Spend Analysis by Distribution Model -- Standalone -- Banks & Payment Service Providers -- Marketplaces Singapore Buy Now Pay Later Spend Analysis by Channel -- Online Channel -- POS Channel Singapore Buy Now Pay Later By End-Use Sector: Market Size and Forecast -- Retail Shopping -- Home Improvement -- Travel -- Media and Entertainment -- Services -- Automotive -- Health Care and Wellness -- Others Singapore Buy Now Pay Later By Retail Product Category: Market Size and Forecast -- Apparel, Footwear & Accessories -- Consumer Electronics -- Toys, Kids, and Babies -- Jewelry -- Sporting Goods -- Entertainment & Gaming -- Other Singapore Buy Now Pay Later Analysis by Consumer Attitude and Behaviour -- Spend Share by Age Group -- Spend Share by Default Rate by Age Group -- Spend Share by Income -- Gross Merchandise Value Share by Gender -- Adoption Rationale -- Spend by Monthly Expense Segments -- Average Number of Transactions per User Annually -- BNPL Users as a Percentage of Total Adult Population
• Strategic and Innovation Insights: Gain clarity on the future direction of Singapore's Buy Now Pay Later market by analysing strategic initiatives, business model evolution, and innovation-led approaches adopted by key BNPL providers to strengthen market positioning. • Comprehensive Understanding of BNPL Market Dynamics in Singapore: Assess market size, growth outlook, and structural shifts across retail and e-commerce, supported by detailed segmentation by channel, business model, distribution model, merchant ecosystem, end-use sector, and consumer demographics, underpinned by 90+ KPIs. • Value and Volume-Based KPIs for Market Accuracy: Leverage a robust set of value and volume KPIs, including GMV, average transaction value, transaction volume, active users, revenue, and bad debt, to develop a precise understanding of BNPL adoption, usage intensity, and market maturity. • Competitive Landscape Assessment: Obtain a clear snapshot of the BNPL competitive landscape in Singapore, including market share analysis of leading providers, enabling informed benchmarking and evaluation of market concentration and competitive intensity. • Actionable Inputs for Market Entry and Expansion Strategies: Identify high-growth categories, priority end-use sectors, and distribution channels to fine-tune go-to-market and partnership strategies, while assessing key trends, regulatory considerations, and risk factors shaping the BNPL ecosystem. • In-Depth Consumer Behaviour Analysis: Enhance ROI by understanding evolving consumer attitudes and spending behaviour, with insights into BNPL adoption drivers, usage frequency, income and age-based usage patterns, gender splits, and monthly expense segmentation.
1. About this Report 1.1 Summary 1.2 Methodology 1.3 Definition 1.4 Disclaimer 2. Singapore Retail Industry & Ecommerce Market Size and Forecast 2.1 Singapore Retail Industry – Spend Value Trend Analysis, 2022-2031 2.2 Singapore Buy Now Pay Later Share of Retail Industry, 2022-2031 2.3 Singapore Ecommerce – Spend Value Trend Analysis, 2022-2031 2.4 Singapore Buy Now Pay Later Share of Ecommerce, 2022-2031 3. Singapore Buy Now Pay Later Industry Attractiveness 3.1 Singapore Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2022-2031 3.2 Singapore Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2022-2031 3.3 Singapore Buy Now Pay Later – Transaction Volume Trend Analysis, 2022-2031 3.4 Singapore Buy Now Pay Later Market Share Analysis by Key Players, 2025 4. Singapore Buy Now Pay Later Operational KPIs 4.1 Buy Now Pay Later Revenues, 2022-2031 4.2 Buy Now Pay Later Share by Revenue Segments 4.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2022-2031 4.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2022-2031 4.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2022-2031 4.3 Buy Now Pay Later Active Consumer Base, 2022-2031 4.4 Buy Now Pay Later Bad Debt, 2022-2025-2031 5. Buy Now Pay Later Spend Analysis by Business Model, 2022-2031 5.1 Buy Now Pay Later Two-Party Business Model, 2022-2031 5.2 Buy Now Pay Later Third-Party Business Model, 2022-2031 6. Buy Now Pay Later Spend Analysis by Purpose, 2022-2031 6.1 Buy Now Pay Later Convenience, 2022-2031 6.2 Buy Now Pay Later Credit, 2022-2031 7. Buy Now Pay Later Spend Analysis by Merchant ecosystem, 2022-2031 7.1 Buy Now Pay Later by Open loop system, 2022-2031 7.2 Buy Now Pay Later by Closed loop system, 2022-2031 8. Buy Now Pay Later Spend Analysis by Distribution Model, 2022-2031 8.1 Buy Now Pay Later by Standalone, 2022-2031 8.2 Buy Now Pay Later by Banks & Payment Service Providers, 2022-2031 8.3 Buy Now Pay Later by Marketplaces, 2022-2031 9. Singapore Buy Now Pay Later Spend Analysis by Channel 9.1 Buy Now Pay Later Market Share by Channel, 2022-2031 9.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2022-2031 9.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2022-2031 10. Singapore Buy Now Pay Later Snapshot by End-Use Sector 10.1 Buy Now Pay Later Market Share by End-Use Sector, 2025 10.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2025 11. Singapore Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2022-2031 11.1 Singapore Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2022-2031 11.2 Singapore Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2022-2031 11.3 Singapore Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2022-2031 12. Singapore Buy Now Pay Later Market Size and Forecast by Retail Product Categories 12.1 Buy Now Pay Later Share by Retail Product Category, 2025 12.2 Singapore Buy Now Pay Later by Retail Product Categories – Average Order Value Trend Analysis, 2025 12.3 Singapore Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis, 2022-2031 12.4 Singapore Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis, 2022-2031 12.5 Singapore Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis, 2022-2031 12.6 Singapore Buy Now Pay Later Retail Shopping - Jewellery – Gross Merchandise Value Trend Analysis, 2022-2031 12.7 Singapore Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis, 2022-2031 12.8 Singapore Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis, 2022-2031 12.9 Singapore Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis, 2022-2031 13. Singapore Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2022-2031 13.1 Singapore Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2022-2031 13.2 Singapore Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2022-2031 13.3 Singapore Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2022-2031 14. Singapore Buy Now Pay Later in Travel: Market Size and Forecast, 2022-2031 14.1 Singapore Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis, 2022-2031 14.2 Singapore Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis, 2022-2031 14.3 Singapore Buy Now Pay Later Travel – Transaction Volume Trend Analysis, 2022-2031 15. Singapore Buy Now Pay Later in Media & Entertainment: Market Size and Forecast, 2022-2031 15.1 Singapore Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2022-2031 15.2 Singapore Buy Now Pay Later Media & Entertainment – Average Value Per Transaction Trend Analysis, 2022-2031 15.3 Singapore Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis, 2022-2031 16. Singapore Buy Now Pay Later in Service: Market Size and Forecast, 2022-2031 16.1 Singapore Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2022-2031 16.2 Singapore Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis, 2022-2031 16.3 Singapore Buy Now Pay Later Service – Transaction Volume Trend Analysis, 2022-2031 17. Singapore Buy Now Pay Later in Automotive: Market Size and Forecast, 2022-2031 17.1 Singapore Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis, 2022-2031 17.2 Singapore Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis, 2022-2031 17.3 Singapore Buy Now Pay Later Automotive – Transaction Volume Trend Analysis, 2022-2031 18. Singapore Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2022-2031 18.1 Singapore Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2022-2031 18.2 Singapore Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2022-2031 18.3 Singapore Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2022-2031 19. Singapore Buy Now Pay Later in Others: Market Size and Forecast, 2022-2031 19.1 Singapore Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis, 2022-2031 19.2 Singapore Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis, 2022-2031 19.3 Singapore Buy Now Pay Later Others – Transaction Volume Trend Analysis, 2022-2031 20. Singapore Buy Now Pay Later Analysis by Consumer Attitude and Behaviour 20.1 Buy Now Pay Later Spend Share by Age Group, 2025 20.1.1 Singapore Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis, 2022-2031 20.1.2 Singapore Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis, 2022-2031 20.1.3 Singapore Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis, 2022-2031 20.1.4 Singapore Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis, 2022-2031 20.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2025 20.3 Buy Now Pay Later Share by Income, 2025 20.3.1 Singapore Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis, 2022-2031 20.3.2 Singapore Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis, 2022-2031 20.3.3 Singapore Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis, 2022-2031 20.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2025 20.5 Buy Now Pay Later Adoption Rationale, 2025 20.6 Singapore Buy Now Pay Later Market – Spend by Monthly Expense Segments, 2025 20.7 Singapore Buy Now Pay Later – Average Number of Transactions per User Annually, 2025 20.8 Singapore Buy Now Pay Later Users as a Percentage of Total Adult Population, 2025 21. Further Reading 21.1 About PayNXT360 21.2 Related Research
Table 1: Singapore Retail Industry – Spend Value (US$), 2022-2031 Table 2: Singapore Ecommerce Spend Value (US$), 2022-2031 Table 3: Singapore Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 4: Singapore Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 5: Singapore Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 6: Singapore Buy Now Pay Later – Revenues (US$ Million), 2022-2031 Table 7: Singapore Buy Now Pay Later – Merchant Commission (US$ Million), 2022-2031 Table 8: Singapore Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2022-2031 Table 9: Singapore Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031 Table 10: Singapore Buy Now Pay Later – Active Consumer Base (Thousand), 2022-2031 Table 11: Singapore Buy Now Pay Later – Bad Debt (US$ Million), 2022-2025-2031 Table 12: Singapore Buy Now Pay Later – Two-party Business Model (US$ Million), 2022-2031 Table 13: Singapore Buy Now Pay Later – Third-Party Business Model (US$ Million), 2022-2031 Table 14: Singapore Buy Now Pay Later – Convenience (US$ Million), 2022-2031 Table 15: Singapore Buy Now Pay Later – Credit (US$ Million), 2022-2031 Table 16: Singapore Buy Now Pay Later – Open loop system (US$ Million), 2022-2031 Table 17: Singapore Buy Now Pay Later – Closed loop system (US$ Million), 2022-2031 Table 18: Singapore Buy Now Pay Later – Standalone (US$ Million), 2022-2031 Table 19: Singapore Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2022-2031 Table 20: Singapore Buy Now Pay Later – Marketplaces (US$ Million), 2022-2031 Table 21: Singapore Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2022-2031 Table 22: Singapore Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2022-2031 Table 23: Singapore Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 24: Singapore Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 25: Singapore Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 26: Singapore Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 27: Singapore Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 28: Singapore Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 29: Singapore Buy Now Pay Later Retail Shopping - Jewelry – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 30: Singapore Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 31: Singapore Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 32: Singapore Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 33: Singapore Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 34: Singapore Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 35: Singapore Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 36: Singapore Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 37: Singapore Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 38: Singapore Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 39: Singapore Buy Now Pay Later Media & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 40: Singapore Buy Now Pay Later Media & Entertainment– Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 41: Singapore Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 42: Singapore Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 43: Singapore Buy Now Pay Later Service– Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 44: Singapore Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 45: Singapore Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 46: Singapore Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 47: Singapore Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 48: Singapore Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 49: Singapore Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 50: Singapore Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 51: Singapore Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 52: Singapore Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 53: Singapore Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 54: Singapore Total Gift Spend Analysis (US$ Million), 2022-2031 Table 55: Singapore Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 56: Singapore Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 57: Singapore Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 58: Singapore Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 59: Singapore Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 60: Singapore Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 1: PayNXT360’s Methodology Framework Figure 2: Singapore Retail Industry – Spend Value (US$), 2022-2031 Figure 3: Singapore Buy Now Pay Later Share of Retail Industry (%), 2022-2031 Figure 4: Singapore Ecommerce – Spend Value (US$), 2022-2031 Figure 5: Singapore Buy Now Pay Later Share of Ecommerce, 2022-2031 Figure 6: Singapore Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 7: Singapore Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 8: Singapore Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 9: Singapore Buy Now Pay Later – Market Share Analysis by Key Players (%), 2025 Figure 10: Singapore Buy Now Pay Later – Revenues (US$ Million), 2022-2031 Figure 11: Buy Now Pay Later Share - Revenue Segments (%), 2022-2031 Figure 12: Singapore Buy Now Pay Later – Merchant Commission (US$ Million), 2022-2031 Figure 13: Singapore Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2022-2031 Figure 14: Singapore Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031 Figure 15: Singapore Buy Now Pay Later – Active Consumer Base (Thousand), 2022-2031 Figure 16: Singapore Buy Now Pay Later – Bad Debt (US$ Million), 2022-2025-2031 Figure 17: Singapore Buy Now Pay Later Spend Analysis by Business Model (%), 2022-2031 Figure 18: Singapore Buy Now Pay Later – Two-party Business Model (US$ Million), 2022-2031 Figure 19: Singapore Buy Now Pay Later – Third-Party Business Model (US$ Million), 2022-2031 Figure 20: Singapore Buy Now Pay Later Spend Analysis by Purpose (%), 2022-2031 Figure 21: Singapore Buy Now Pay Later – Convenience (US$ Million), 2022-2031 Figure 22: Singapore Buy Now Pay Later – Credit (US$ Million), 2022-2031 Figure 23: Singapore Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022-2031 Figure 24: Singapore Buy Now Pay Later – Open loop system (US$ Million), 2022-2031 Figure 25: Singapore Buy Now Pay Later – Closed loop system (US$ Million), 2022-2031 Figure 26: Singapore Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022-2031 Figure 27: Singapore Buy Now Pay Later – Standalone (US$ Million), 2022-2031 Figure 28: Singapore Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2022-2031 Figure 29: Singapore Buy Now Pay Later – Marketplaces (US$ Million), 2022-2031 Figure 30: Singapore Buy Now Pay Later – Gross Merchandise Value Market Share by Channel (%), 2022-2031 Figure 31: Singapore Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2022-2031 Figure 32: Singapore Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2022-2031 Figure 33: Singapore Buy Now Pay Later – Market Share by End-Use Sector (%), 2025 Figure 34: Singapore Buy Now Pay Later – Market Share by End-Use Segment (%), 2025 Figure 35: Singapore Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 36: Singapore Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 37: Singapore Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 38: Singapore Buy Now Pay Later – Market Share by Retail Product Category (%), 2025 Figure 39: Singapore Buy Now Pay Later by Retail Product Categories – Average Order Value Trend Analysis (US$), 2025 Figure 40: Singapore Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 41: Singapore Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 42: Singapore Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 43: Singapore Buy Now Pay Later Retail Shopping - Jewelry– Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 44: Singapore Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 45: Singapore Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 46: Singapore Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 47: Singapore Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 48: Singapore Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 49: Singapore Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 50: Singapore Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 51: Singapore Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 52: Singapore Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 53: Singapore Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 54: Singapore Buy Now Pay Later Media & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 55: Singapore Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 56: Singapore Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 57: Singapore Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 58: Singapore Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 59: Singapore Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 60: Singapore Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 61: Singapore Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 62: Singapore Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 63: Singapore Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 64: Singapore Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 65: Singapore Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 66: Singapore Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 67: Singapore Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 68: Singapore Buy Now Pay Later – Share by Age Group in Value Terms (%), 2025 Figure 69: Singapore Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 70: Singapore Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 71: Singapore Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 72: Singapore Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 73: Singapore Buy Now Pay Later – Share by Default Rate by Age Group in Value Terms (%), 2025 Figure 74: Singapore Buy Now Pay Later – Share by Income Group in Value Terms (%), 2025 Figure 75: Singapore Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 76: Singapore Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 77: Singapore Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 78: Singapore Buy Now Pay Later – Share by Gender in Value Terms (%), 2025 Figure 79: Buy Now Pay Later – Adoption Rationale by Value, 2025 Figure 80: Singapore Buy Now Pay Later – Average Monthly Expense Segments, 2025 Figure 81: Singapore Buy Now Pay Later – Average Number of Transactions per User Annually (No. of Transactions), 2025 Figure 82: Singapore Buy Now Pay Later Users as a Percentage of Total Adult Population (%), 2025
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