PSE Consulting has reviewed the top 20 online retailers in France, Germany, Italy, Spain, Sweden and the UK to understand their adoption of BNPL.
The analysis also compares BNPL to Traditional Pay Later, which is defined as making credit offers, and onboarding new customers, before or after the purchase journey (i.e. not in session); this includes invoice finance or bank loans. It excludes pre-arranged credit lines not associated with an individual purchase such as credit cards and overdrafts.
The review was completed in January 2022 and excluded travel and financial services.
You can access the full report below. For any queries please contact firstname.lastname@example.org
PSE Consulting has been covering the BNPL market since 2018.
We have delivered projects in different geographies to several players across the value chain, such as BNPL providers, banks, card schemes and retailers.
In this full length conversation with Yasamin Karimi from Codat we discuss the benefits of Open Finance to acquirers as they seek to onboard new customers and carry out credit checks. Yasmin highlights the emerging opportunities of combining accounting, Open Banking, and commerce platform data to create a rounded view of where a business has been, its current cash position and its order pipeline.