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선구매 후결제(BNPL) : 융자 규모 확대와 현황 타파

Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending

리서치사 Mercator Advisory Group, Inc.
발행일 2021년 05월 상품 코드 1004296
페이지 정보 영문 22 Pages, 11 Exhibits
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US $ 2,950 ₩ 3,325,000 PDF (Single User License)


선구매 후결제(BNPL) : 융자 규모 확대와 현황 타파 Buy Now, Pay Later: Gaining Scale and the Disrupting Status Quo in Lending
발행일 : 2021년 05월 페이지 정보 : 영문 22 Pages, 11 Exhibits

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

미국의 선구매 후결제(BNPL) 거래량은 2024년까지 연간 1,000억 달러 이상에 달할 전망입니다.

BNPL은 새로운 금융이 아니며, 소매 금융의 현대판입니다. BNPL은 상당히 매력이 있지만, 신용 정책이 한정되어 있기 때문에 소비자는 금전적으로 무리하지 않고 소매점에서의 구입을 스스로 관리할 필요가 있습니다. 금융기관이나 기타 신용 관계자는 핀테크 기업이 적극적으로 계좌를 개설하고 있는 것에 주의를 기울일 필요가 있으며, 또한 핀테크 기업은 단일거래에 머무르지 않고, 은행이 고객의 수명주기를 관리하는 방법에도 관심을 가질 필요가 있습니다.

선구매 후결제(BNPL: Buy Now, Pay Later)에 대해 조사했으며, 시장 개요, 예측 거래량, 핀테크의 장단점, 기회, 위협, 신용카드와의 비교, 프라임 레이트(Prime Rate) 상승에 따른 BNPL 무이자 모델 동향, 핀테크가 BNPL에서 계속해서 적자를 내는 이유, 신용 정책 등의 정보를 제공합니다.

본 보고서에서 언급된 기업 : Afterpay, American Express, Avant, Bluevine, Capital One, Chase, Citi, Credit Intelligence, Discover, Dough Limited, Fatfish Group, FICO, General Electric Credit, GreenSky, Household Finance, Humm Group, IouPay, Kabbage, Klarna, Laybuy, Lending Point, LendingClub, Margeta, Mastercard, OnDeck, Openpay, OpyPay, PayPal, Payright, Petal Card, Prosper, QVC, 등

본 보고서에 포함된 도표 샘플

LSH 21.06.02

BNPL: U.S. volumes will surpass $100 billion annually by 2024.

Mercator Advisory Group's latest report suggests high credit losses, pricing issues, and competition will force model change.

Mercator Advisory Group released a report covering the Buy Now, Pay Later (BNPL) lending model, titled “Buy Now, Pay Later: Gaining Scale and Disrupting the Status Quo in Lending ” . The research explains the current market, discusses the strengths, weaknesses, opportunities, and threats to fintech, and explains the business and cashflow of this emerging credit option.

The research compares both consumer and merchant costs in comparison to credit cards. It dispels the claims that the product is a cheaper option for buyers and sellers. Research also covers the liberal credit policies used to gain scale, and suggests that fintechs consider tightening credit policies so that losses do not cannibalize profits.

"BNPL is not the "new thing" in lending; it is a modernized version of retail finance. There is certainly a high appeal, but with limited credit policies, consumers need to self-govern their retail purchasing so that they do not overextend themselves financially," comments Brian Riley , Director, Credit Advisory Service at Mercator Advisory Group, and the author of the research note. Riley continues, "Financial institutions and other players in the credit cycle need to pay attention to the way fintechs aggressively book accounts. Fintechs should not compromise their credit standards, but the rapid take-up indicates that credit card issuers must provide access to thin credit files, and watch customers mature. Fintechs also need to think beyond the single transaction and look at the way banks manage a customer's lifecycle.

This document contains 22 pages and 11 exhibits .

Companies mentioned in this research note include: Afterpay, American Express, Avant, Bluevine, Capital One, Chase, Citi, Credit Intelligence, Discover, Dough Limited, Fatfish Group, FICO, General Electric Credit, GreenSky, Household Finance, Humm Group, IouPay, Kabbage, Klarna, Laybuy, Lending Point, LendingClub, Margeta, Mastercard, OnDeck, Openpay, OpyPay, PayPal, Payright, Petal Card, Prosper, QVC, Sezzle, SoFi, Splitit, Square, Synchrony, TD Bank, TSYS, Visa, Zebit, Zip, Zoot Solutions.

One of the exhibits included in this report:

Highlights of the research note include:

  • Forecasted U.S. volumes through 2024, when they will exceed $100 billion
  • Placing the merchant at the center of the relationship, not the consumer
  • What will happen to the BNPL interest-free model when the prime rate rises
  • A discussion on interchange versus merchant discount and why credit cards can be cheaper
  • Market capitalization and why fintechs continue to lose money on BNPL
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