全球BNPL市场前景及投资研究报告-培训课件外文版2024.4：立即购买稍后付款

DIGITAL

&

TRENDSBNPL(BuyNow,PayLater)CHAPTER

01MarketshareMarketshareofpaymentmethodsintotale-commercetransactionvalueworldwidein2022,withaforecastfor2026Mostusedpaymentmethodsine-commerceworldwidein2022,withaforecastfor20262022202660%50%40%30%20%10%0%54%49%20%16%12%10%10%9%6%5%2%2%2%1%1%1%4Description:In2022,mobilewalletsaccountedforroughlyhalfofglobale-commercepaymenttransactions,makingthedigitalwalletbyfarthemostpopularonlinepaymentmethodworldwide.Thisshareissettoincreasetoover54percentin2026.Creditcardsrankedsecondwitha20percentmarketsharein2021,afigurewhichisprojectedtodeclineinthecomingyears.ReadmoreNote(s):Worldwide;2022Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMarketshareofpaymentmethodsintotale-commercetransactionvalueworldwidein2022,byregionMostusedpaymentmethodsine-commerceworldwidein2022,byregionDigitalwalletCashondeliveryCreditcardPostPayDebitcardPrePayAccount-to-account(A2A)PrepaidcardsBuynow,paylater(BNPL)Other-incl.cryptocurrency120%100%80%60%40%20%0%WorldwideAsia-PacificEuropeLatinAmericaMiddleEastandAfricaNorthAmerica5Description:DigitalwalletsweresignificantlymoreusedinAsia-Pacificthaninotherpartsoftheworldin2022.Walletsaccountedforalmost70percentofe-commercepaymentsintheregion,asopposedtoroughly20percentinbothLatinAmericaandMEA.Walletsaccountedforlessthanhalfofglobale-commercepaymenttransactions,whichwillincreaseto54percentin2026.WalletsarepopularinChinaandIndia,withPhonePeinIndiaandAlipayinChinabeingnotablebrands.TheAPACregion[...]ReadmoreNote(s):Worldwide;2022Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMarketshareofbuynow,paylater(BNPL)indomestice-commercepaymentsin41countriesandterritoriesworldwidefrom2016to2022Buynow,paylater(BNPL)shareine-commercein41countriesworldwide2016-202220160.4%12%3%5%%20191.6%25%18%13%8%20202.1%23%19%15%10%7%20213%20225%GlobalSweden25%20%18%11%9%24%23%18%14%14%13%13%12%10%8%GermanyNorwayAustraliaBelgium5%6%%6%NetherlandsFinland8%9%12%13%12%10%6%8%12%8%DenmarkNewZealandUnitedKingdom(UK)Italy5%%7%%10%5%1%%3%1%2%4%6%Canada%%%3%6%6Description:In2022,eightoutof10topglobalbuynow,paylater(BNPL)marketsworldwidewereinnorthwesternEuropeasconsumerslookedfornewe-commercepaymentmethods.ThemarketshareofBNPLservicesindomestice-commercepaymentsinbothSwedenandGermanywasaroundtentimeshigherthanthesamemarketshareinglobale-commercepayments.ThepopularityofSweden'sBNPLproviderKlarnamaybeattheheartofthis,oneofthemostusedonlinepaymentmethods[...]

ReadmoreNote(s):Worldwide;2016,2019,2020,2021,2022;ThefigureshavebeengatheredbySource(s):GlobalData;IMF;McKinsey&Company;WorldBank;Worldpayfromseveralpublications,formoreinformationseethe"Details"tab.Marketshareofpoint-of-sale(POS)financing-includingbuynow,paylaterorBNPL-inofflineretailpaymentsin40countriesandterritoriesworldwidein2022POSfinancinginofflineshoppingin40countriesworldwide2022Marketshare0%1%2%3%4%5%6%7%8%AustraliaSweden7%5%NetherlandsArgentinaWorldwideNorway3%3%2%2%2%2%2%2%2%2%2%NigeriaHongKongSARIndiaIndonesiaNewZealandSingaporeMalaysia7Description:Australiawastheworld'sbiggestcountryinpoint-of-sale(POS)financingsolutionsin2022-whichcanincludebuynow,paylaterservicesinofflineretail.Nevertheless,POSfinancingcanalsoincludeinstallmentloansofferedbyretailersthemselves.Whenitcomestothemarketshareofbuynow,paylaterservicesine-commerce,thetopcountryworldwideisnotAustralia.ReadmoreNote(s):Worldwide;2022;ThesourceexplicitlystatesthatPOSfinancinginitsdefinitionincludes,butisnotreservedonlyto,BNPL:itmentionsit"includesThisincludescreditofferedbyretailers,financialinstitutionsandmarketplaces,aswellasBNPLservices."Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayCHAPTER

02UsernumberLeadingcountriesintheworldwiththehighestnumberofbuynow,paylater(BNPL)usersasof2022(inmillions)Top10countriesworldwidebasedonnumberofBNPLusers2022Numberofmobilehandsetsperannuminmillions30

40

500102060708090ChinaUnitedStatesBrazil78.564.739.8India26.2UnitedKingdomJapan1918.1Mexico14.8GermanySouthKoreaFrance11.68.68.69Description:Chinahadroughly14millionmorebuynow,paylaterusersin2022thantheUnitedStates,andnearly40millionusersmorethanBrazil.ThisisaccordingtoamodelthattriedtoestimatethenumberofBNPLandflexiblecreditusersacrossmultiplecountriesintheworld.Whilstitmaynotbesurprisingthatsomeoftheworld'smostpopulouscountriesalsohavethehighestnumberofBNPLusers,itshouldbenotedthatthepenetrationofbuynow,paylaterisdifferentbetweenthecountries.[...]

ReadmoreNote(s):Worldwide;March2023;totalnumberofdigitalBNPL&flexiblecredituniqueusers;Thesourcedoesnotclarifythecompaniesused,andwhetherthisincludesdomesticprovidersornotSource(s):JuniperResearchNumberofBuyNow,PayLater(BNPL)usersinAsiain2022,byselectedcountry(inmillions)NumberofBuyNow,PayLaterusersAsia2022,bycountry2018.7181614121088.77.87.265.14.73.341.920IndonesiaMalaysiaPhilippinesSingaporeThailandVietnamSouthKoreaJapan10Description:In2022,IndonesiahadthelargestnumberofBuyNow,PayLater(BNPL)usersinAsia,with18.7millionpeople.ThiswasfollowedbyVietnam,wherethenumberofBNPLusersamountedtoclosetoninemillionpeoplein2022.

ReadmoreNote(s):Asia;2022Source(s):IDCActiveusersandgrossmerchandisingvolume(GMV)ofleadingBNPLprovidersKlarna,Afterpay,andAffirm2022ActiveusersandGMVofleadingBNPLprovidersKlarna,Afterpay,andAffirm2022Klarna(FY2022)Afterpay-acquiredbyBlockin2022(FY2021)Affirm(FY2022)1601401201008015098604016.216.715.413.9200Activeusers(inmillions)GMV(inbillionUSD)11Description:Klarna,Afterpay,andAffirmaretheleadingcompaniesinthebuy-now-pay-later(BNPL)sector.Klarna,however,dominatesthemarket.Asof2022,theSwedishfintechcompanyreported150millionactiveusers,withagrossmerchandisingvalue(GMV)of98billionU.S.dollars.ReadmoreNote(s):Worldwide;2022Source(s):Varioussources(Companyfilings)Totalnumberofretailcustomersregisteredwithbuynowpaylater(BNPL)inSaudiArabiabetween2020and2022(inmillions)TotalnumberofretailcustomersregisteredwithBNPLinSaudiArabia2020-20221210810643200.0820202021202212Description:In2022,thetotalnumberregisteredusersof"bynowpaylater"(BNPL)inSaudiArabiawasrecordedat10millionpeople.Between2020and2022thenumberofregisteredcustomerswitnessedanincreasefrom76,000to10milliontotalregisteredcustomers.Additionally,inthesameperiod,thetotalnumberofcustomerswouldalwaysbearoundtwicethatofactivecustomersofBNPL.ReadmoreNote(s):SaudiArabia,MENA;2020to2022Source(s):SaudiCentralBankNumberofbuynowpaylater(BNPL)usersinretailinIndiain2021,withprojectionsfor2026(inmillions)NumberofBNPLusersinretailinIndiain2021and20262021202635303025201510522520OnlineretailOfflineretail13Description:In2021,thebuynowpaylater(BNPL)customerbaseforonlineandofflineretailwasfiveandtwomillion,respectively.Thisisexpectedtosurgeto30millionforonlineretailand22millionforofflineretailintheyear2026.Buynowpaylaterisatypeofpointofsalefinancingwhichallowstheconsumerstomakepurchasesandpayinthefuture.ZestMoney,AmazonPayLater,PaytmpostpaidaresomeoftheBNPLplayersintheIndianmarket.

ReadmoreNote(s):India;2021Source(s):ZestMoneyCHAPTER

03Brands(pureplay)NumberandshareofmerchantswhouseKlarnaasabuynowpaylater(BNPL)solutionontheirwebsiteacrossvariouscountriesintheworldasofAugust25,2023MerchantswhouseKlarnaforbuynowpaylaterin99countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXGermanyUnitedStatesSweden7637161048259051944012949637197.85%35.02%98.57%54.44%91.36%96.54%97.10%50.23%97.95%93.91%99.06%8.11%0.47%10.69%1.35%3.72%7.45%12.12%1.24%4.91%10.98%8.54%UnitedKingdomNetherlandsAustriaNorway6359Italy5372DenmarkFinland53014752Czechia441215Description:TheUnitedStateshadthehighestnumberofmerchantswhoofferedKlarnaupuntil2023,whilsttherelativeuseinEuropewasfarhigher.EstimatesbasedonwebsitetrackingandthetechnologiesuseswithinthemrevealsthatmerchantsfromKlarna'shomecountrySweden,andespeciallyitsneighboringcountries,offeredthepaymentmethodrelativelymoreoftenthananywhereelseintheworld.Forexample,estimatesarethatnearly25,900merchantsupuntilAugust2023had[...]

ReadmoreNote(s):Worldwide;August25,2023;Websiteswithadomainfromsaidcountry;ThenumbershavebeengatheredandcalculatedbySource(s):BuiltWith;seethe"Details"tabformoreinformation.NumberandshareofmerchantswhouseAffirmasabuynow,paylater(BNPL)solutionontheirwebsiteacrossvariouscountriesandterritoriesintheworldasofAugust25,2023MerchantswhouseAffirmforbuynow,paylaterin24countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXUnitedStatesCanad56%8.19%0.18%0.10%0.05%2.97%0.11%1.43%1.94%0.17%0.26%0.10%0.10%0.00%0.01%0.00%0.02%0.00%0.01%0.02%0.00%0.00%UnitedKingdomAustraliaGermanyChina544219NetherlandsIndia1616HongKongSARSpain1111France1016Description:AffirmwasofferedmoreoftenasaBNPLoptionwithintheUnitedStatesthananywhereelseintheworld.EstimatesbasedonwebsitetrackingandthetechnologiesusedwithinthemrevealthatmerchantsfromtheUnitedStatesandCanadaoffertheSanFrancisco-basedpaymentmethodrelativelymoreoftenthananywhereelseintheworld.Forexample,estimatesarethatmorethan560CanadianmerchantsupuntilAugust2023hadAffirmontheirwebsite-anumberthatwasslightly[...]

ReadmoreNote(s):Worldwide;August25,2023;Websiteswithadomainfromsaidcountry;ThenumbershavebeengatheredandcalculatedbySource(s):BuiltWith;seethe"Details"tabformoreinformation.NumberandshareofmerchantswhouseAfterpayasabuynow,paylater(BNPL)solutionontheirwebsiteacrossvariouscountriesandterritoriesintheworldasofAugust25,2023MerchantswhouseAfterpayforbuynow,paylaterin55countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXUnitedStatesAustralia427863585062075793145999624.54%67.14%17.38%58.62%20.99%7.03%5.41%0.40%4.02%5.75%0.54%0.33%3.36%0.43%3.66%0.25%0.29%0.13%0.03%0.10%0.05%0.06%UnitedKingdomNewZealandCanadaNetherlands*Italy579Germany*Spain309259France217Sweden14217Description:TheUnitedStateshadthehighestnumberofmerchantswhoofferedAfterpayuntil2023,butthemarketshareinAustraliaandNewZealandwasfarhigher.EstimatesbasedonwebsitetrackingandthetechnologiesusedwithinthemrevealthatmerchantsfromOceania-Afterpay,nottobeconfusedwithAfterPay(Rivertysince2023)fromtheNetherlands,originatesfromAustralia-offerthispaymentmethodrelativelymoreoftenthananywhereelseintheworld.Forexample,estimates[...]

ReadmoreNote(s):Worldwide;August25,2023;*FiguresfortheNetherlandsandGermanymayrefertoRiverty(formerlyknownasAfterPay,aDutchBNPLoptionthatoftenisconfusedwithAustralia'sAfterpay).Thesourcedoesnotclarify;Websiteswithadomainfromsaidcountry;Thenumbershavebeengatheredandcalculatedby

seethe"Details"tabformoreinformation.Source(s):BuiltWith;NumberandshareofmerchantswhousePayPal'sPayin4asabuynow,paylater(BNPL)solutionontheirwebsiteacrossvariouscountriesintheworldasofAugust25,2023MerchantswhousePayin4forbuynow,paylaterin20countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXUnitedStatesUnitedKingdomAustraliaGermanyItaly30591142912797693315137761.75%3.20%1.71%1.02%6.48%8.34%2.13%1.09%6.00%3.13%0.11%0.02%0.08%0.09%0.08%0.16%0.07%0.05%0.01%0.06%0.03%0.00%FranceSpainCanadaHongKongSARChina3420Netherlands1518Description:TheUnitedStateshadthehighestnumberofmerchantswhoofferedPayin4upuntil2023,butthemarketsharewasrelativelylowcomparedtoothercountries.EstimatesbasedonwebsitetrackingandthetechnologiesusedwithinthemrevealthatmerchantsfromFranceofferthispaymentmethodrelativelymoreoftenthananywhereelseintheworld.Forexample,estimatesarethatnearly315merchantsupuntilAugust2022hadPayPal'sPayin4ontheirwebsite-anumberthat[...]

ReadmoreNote(s):Worldwide;August25,2023;Websiteswithadomainfromsaidcountry;ThenumbershavebeengatheredandcalculatedbySource(s):BuiltWith;seethe"Details"tabformoreinformation.NumberandshareofmerchantswhouseSezzleasabuynow,paylater(BNPL)solutionontheirwebsiteacrossvariouscountriesandterritoriesintheworldasofAugust25,2023MerchantswhouseSezzleforbuynow,paylaterin27countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXUnitedStatesCanadaAustraliaIndia2679125164393131705415.37%36.20%0.82%27.92%0.48%1.07%0.81%0.71%0.36%0.95%0.47%0.21%0.42%0.04%0.11%0.01%0.12%0.02%0.05%0.01%0.01%0.06%UnitedKingdomFinlandSpain52Austria47Italy39France36Norway3119Description:Sezzle'smarketshareinIndiawasmorethan27percentupuntil2023,althoughtheUnitedStateshadthehighestnumberofmerchantsofferingit.EstimatesbasedonwebsitetrackingandthetechnologiesusedwithinthemrevealthatmerchantsfromtheUnitedStatesandCanadaoffertheMinneapolis-basedpaymentmethodrelativelymoreoftenthananywhereelseintheworld.Forexample,estimatesarethatmorethan2,500CanadianmerchantsupuntilAugust2023hadSezzleon[...]

ReadmoreNote(s):Worldwide;August25,2023;Websiteswithadomainfromsaidcountry;ThenumbershavebeengatheredandcalculatedbySource(s):BuiltWith;seethe"Details"tabformoreinformation.NumberandshareofmerchantswhouseZipasabuynow,paylater(BNPL)solutionontheirwebsiteacrossvariouscountriesandterritoriesintheworldintheworldasofAugust25,2023MerchantswhouseZipforbuynow,paylaterin17countriesworldwide2023Number

ofwebsitesShare

ofall

websites

that

offer

a

buynow,

pay

later

(BNPL)

solutionShare

ofall

websites

that

offer

atleast

one

payment

technology,excluding

crypto

and

FXAustraliaUnitedStatesNewZealandUnitedKingdomMexico95928833965417.96%0.51%4.01%0.15%1.09%0.26%0.26%0.02%3.35%0.10%0.16%0.90%0.01%0.25%0.00%0.02%0.02%0.03%0.00%0.08%0.00%0.00%29Austria17Finland13GermanyPhilippinesItaly121211Canada1120Description:AustraliahadthehighestnumberofmerchantsofferingZipupuntil2023,althoughitsmarketsharewasrelativelyhighinthePhilippines.EstimatesbasedonwebsitetrackingandthetechnologiesusedwithinthemrevealthatmerchantsfromtheUnitedStatesandNewZealandoffertheAustralianpaymentmethodalsoofferthepaymentmethod.Forexample,estimatesarethatmorethan390NewZealandmerchantsupuntilAugust2023hadZipontheirwebsite-anumberthatwas[...]

ReadmoreNote(s):Worldwide;August25,2023;Websiteswithadomainfromsaidcountry;ThenumbershavebeengatheredandcalculatedbySource(s):BuiltWith;seethe"Details"tabformoreinformation.CHAPTER

04TransactionvalueGlobaltransactionvalueofbuynow,paylater(BNPL)ine-commercefrom2019to2021,withforecastsfrom2022to2026(inbillionU.S.dollars)Annualbuynow,paylater(BNPL)globalmarketsize2019-2021,withforecaststo2026600565.84815004003002001000386309.2214120603420192020202120222023*202420252026*22Description:Globalbuynow,paylater(BNPL)transactionsarepredictedtoincreasebynearly450billionUSDbetween2021and2026.Thiswouldmeanafurtheraccelerationofwhatwasseenbetween2019and2021-whenthealternativepaymentmethodincreasedbyalmost400percent.Regardless,BNPLreachedaglobalmarketshareofaroundthreepercentin2021-witheightoutof10topglobalbuynow,paylatermarketsworldwidebeinglocatedinnorthwesternEurope.Themarketshareof[...]

ReadmoreNote(s):Worldwide;May2023;*Thefiguresfor2023and2026wereupdatedinMay2023.Allotherfigureswerefromthesource'spreviousiteration,in2022Source(s):GlobalDataBiggestBNPL(buynow,paylater)companiesworldwide,basedongrossmerchandisevolume(GMV)from2020to2022(inbillionU.S.dollars)KeycompaniesinBNPL(buynow,paylater)worldwide,basedontransactionvalue20222020532021802022Klarna(Sweden)Afterpay(Australia)Affirm(U.S.)981119.715.516.78.752.10.40.20.215.4Zip(Australia)Sezzle(U.S.)----Splitit(U.S.)Openpay(Australia)23Description:ThevalueofBNPLtransactionsmade-referredtoasgrossmerchandisevolumeorGMV-onKlarnawasseveraltimesbiggerthanthatofAfterpay.Thisaccordingtoinformationfromthecompaniesthemselves,asreportedintheirfinancialreportingfor2020.TheSwedishcompany,forexample,reportedthevalueoftransactionsmadeusingitspaymentplatformgrewbymorethan45percentbetween2019and2020,helpedbyitsexpansionintotheUnitedStatesandothermarkets.Klarna's[...]

ReadmoreNote(s):UnitedStates;June2021andSeptember2022;Thesourceaddsthat"theselectionofplayersisnotexhaustive".Source(s):Varioussources(Companyreports,companywebsites)BuyNow,PayLater(BNPL)spendingone-commerceinSoutheastAsiain2021withaforecastfor2026,byselectedcountry(inbillionU.S.dollars)BNPLspendingone-commerceSEA2021-2026,bycountry20212026*8765432107.31.71.51.40.90.90.60.40.20.20.2Vietnam0.1PhilippinesIndonesiaThailandSingaporeMalaysia24Description:In2021,theBuyNow,PayLater(BNPL)expenditureone-commerceinIndonesiaamountedto1.7billionU.S.dollars.Comparatively,theBNPLspendingone-commerceinthePhilippinesamountedtoonemillionU.S.dollarsin2021.Accordingtothesource,by2026theBNPLspendingone-commercewasforecastedtosoarapproximatelysixtimesforVietnam.ReadmoreNote(s):Asia;2021;*Forecast.ReadmoreSource(s):IDCTotalgrossmerchandisevalue(GMV)ofgoodssoldinSaudiArabiawithbuynowpaylater(BNPL)from2020to2022(inmillionSaudiriyals)TotalgrossmerchandisevalueofgoodssoldinSaudiArabiawithBNPL2020-202210,0008,7009,0008,0007,0006,0005,0004,0003,0002,0001,00001,8002021142020202225Description:In2022,thetotalgrossmerchandisevalueofgoodssoldwith"buynowpaylater"(BNPL)inSaudiArabiawasstoodatroughly8.7billionSaudiriyals.Thevaluejumpedsignificantlyfrompreviousyears.

ReadmoreNote(s):SaudiArabia,MENA;2020to2022Source(s):SaudiCentralBankTransactionvolumeofbuynow,paylater(BNPL)inItalyin2025,comparedtothecountry'soveralle-commercemarketin2021Buynow,paylater(BNPL)transactionvolumeinItaly2025Column1327billioneuros21%Valueofoverallonlinetransactions,2021Growthinnumberofe-commercetransactions,2020-2021EstimatedCAGRinnumberofBNPLtransactions,2021-2025ValueofBNPLtransactions,202510.9%14.5billioneuros26Description:ThenumberofItalianBNPLtransactionsisexpectedtogrowbyover10percentperyearfrom2021onwards,althoughitsmarketsizeisrelativelysmall.ThisaccordingtoestimatesonItaly'sbuynow,paylatermarketshareddomestically.ThesourcementionsBNPLgenerallyis"aphenomenonwithoneofthehighestgrowthrates"-althoughitdoesnotmentionwhetheritreferstobuynow,paylatergloballyorreferstoItalyspecifically.Nevertheless,itexpectsItalianBNPLtoreachamarket[...]

ReadmoreNote(s):Worldwide,Italy;March2022Source(s):PolitecnicodiMilano;PwCCHAPTER

05TicketsizePreferredpaymentmethodsforitemswithabigordersizeinPOSpurchasesandonlineshoppinginAsia-Pacific(APAC)in2022TopPOSande-commercepaymentmethodsforbig-ticketitemsinAsia-Pacific2022In-personOnline30%25%20%15%10%5%28%28%25%22%19%19%13%12%11%8%8%4%2%0%0%Directdebit0%Banktranfer0%DebitcardCreditcardDigitalwalletCashA2AappsOther(Checks,cryptocurrency,pre-paidvouchers,banks`apps,BNPL)28Description:ConsumersfromAsia-Pacificpreferredeitherpaymentcardsordirectdebitforbig-ticketpurchasesoverwalletsorothertypesofalternativepaymentsin2022.ThisisaccordingtoaconsumersurveyheldinAugustandSeptember2022,thataskedconsumersin13countriesworldwideabouttheirpaymentpreferences.ThesourcedoesnotclarifyhowmanyandwhichofthesecountriescomefromAsia-Pacific.Thereisalsonoindicationofhowlargeabig-ticketproductorserviceexactlyis-[...]

ReadmoreNote(s):APAC;August10,2022toSeptember19,2022;16,172respondents;Customerswithbankaccountsin13countries,enrichedwithavideosurveyin3countries;Respondentswereaskedabouttheirprimarypaymentmethod,multipleanswerswerenotpossible;Missingpercentagepointsto100percentareprobablyduetorounding.ꢀSource(s):Accenture;GlobalData;UKFinancePreferredpaymentmethodsforitemswithasmallordersizeinPOSpurchasesandonlineshoppinginAsia-Pacific(APAC)in2022TopPOSande-commercepaymentmethodsforsmall-ticketitemsinAsia-Pacific2022In-personOnline40%35%30%25%20%15%10%5%36%23%22%21%18%17%15%14%12%11%6%4%2%0%0%Directdebit0%Banktranfer0%CashDebitcardDigitalwalletCreditcardA2AappsOther(Checks,cryptocurrency,pre-paidvouchers,banks`apps,BNPL)29Description:APACconsumerspreferredcashforsmall-ticketin-personpurchases,butdirectdebitandwalletswerepopularchoicesforonlineshopping.ThisisaccordingtoaconsumersurveyheldinAugustandSeptember2022,thataskedconsumersin13countriesworldwideabouttheirpaymentpreferences.ThesourcedoesnotclarifyhowmanyandwhichofthesecountriescomefromAsia-Pacific.Thereisalsonoindicationofhowbigasmall-ticketpurchaseexactlyis.Nevertheless,thesource[...]

ReadmoreNote(s):APAC;August10,2022toSeptember19,2022;16,172respondents;Customerswithbankaccountsin13countries,enrichedwithavideosurveyin3countries;Respondentswereaskedabouttheirprimarypaymentmethod,multipleanswerswerenotpossible;Missingpercentagepointsto100percentareprobablyduetorounding.ꢀSource(s):Accenture;GlobalData;UKFinancePreferredpaymentmethodsforitemswithabigordersizeinPOSpurchasesandonlineshoppinginEuropein2022TopPOSande-commercepaymentmethodsforbig-ticketitemsinEurope2022In-personOnline45%40%35%30%25%20%15%10%5%39%34%28%22%14%14%12%12%10%7%3%2%2%0%0%Directdebit0%Banktranfer0%DebitcardCreditcardCashDigitalwalletA2AappsOther(Checks,cryptocurrency,pre-paidvouchers,banks`apps,BNPL)30Description:Europeanconsumerspreferredeithercreditcardsordebitcardsforbig-ticketpurchasesoverwalletsorothertypesofalternativepaymentsin2022.ThisisaccordingtoaconsumersurveyheldinAugustandSeptember2022,thataskedconsumersin13countriesworldwideabouttheirpaymentpreferences.ThesourcedoesnotclarifyhowmanyandwhichofthesecountriescomefromEurope.Thereisalsonoindicationofhowlargeabig-ticketproductorserviceexactlyis-althoughthe[...]

ReadmoreNote(s):Europe;August10,2022toSeptember19,2022;16,172respondents;Customerswithbankaccountsin13countries,enrichedwithavideosurveyin3countries;Respondentswereaskedabouttheirprimarypaymentmethod,multipleanswerswerenotpossible;Missingpercentagepointsto100percentareprobablyduetorounding.ꢀSource(s):Accenture;GlobalData;UKFinancePreferredpaymentmethodsforitemswithasmallordersizeinPOSpurchasesandonlineshoppinginEuropein2022TopPOSande-commercepaymentmethodsforsmall-ticketitemsinEurope2022In-personOnline40%35%30%25%20%15%10%5%38%34%25%23%17%16%15%11%8%5%4%2%2%0%0%Directdebit0%Banktranfer0%CashDebitcardCreditcardDigitalwalletA2AappsOther(Checks,cryptocurrency,pre-paidvouchers,banks`apps,BNPL)31Description:Europeanconsumerspreferredcashforsmall-ticketin-personpurchases,butwhiledebitcardswerepopularinbothPOSandonlineshopping.ThisisaccordingtoaconsumersurveyheldinAugustandSeptember2022,thataskedconsumersin13countriesworldwideabouttheirpaymentpreferences.ThesourcedoesnotclarifyhowmanyandwhichofthesecountriescomefromEurope.There