Southeast Asia Buy-It-Now and Pay-After Market 2022: Cross-Border Pay-After Service Offerings to Generate New Revenue Opportunities


DUBLIN, February 25, 2022 /PRNewswire/ — The “Growth Opportunities for Buy Now, Pay Later in Southeast Asia” report has been added to from offer.

The payments industry is now lucrative for start-ups that want to tap into new niche market segments and promote financial inclusion in groups with limited access to bank credit services. The buy now, pay later (BNPL) solution has emerged as a credit payment alternative for consumers, allowing them to make purchases without paying the full amount upfront. The solution allows consumers to make monthly payments within three to six months without interest charges. BNPL solutions are increasingly available online and in physical stores.

The Southeast Asian BNPL space is highly fragmented and competitive, comprising BNPL providers, eCommerce businesses, multi-service providers and banks. Highly funded participants dominate the market, potentially pushing weaker participants into long-term bankruptcy. Market consolidation is underway and is expected to continue as larger participants acquire smaller ones. Domestic participants will embrace consolidation for more capital and market share to compete with major global BNPL providers, which are expected to enter the market in the region.

Next-generation technologies in lending and payment solutions, combined with big data, artificial intelligence and machine learning, will help BNPL stakeholders deliver services more efficiently and securely. These technologies allow providers to map customer profiles based on credit history, spending habits and social media analytics for a comprehensive assessment of customer creditworthiness and risk to improve the underwriting process. credit.

Cutting-edge technologies are key to driving market growth. Cloud-hosted and modular solutions to meet merchant and end-customer needs will be widely adopted by BNPL vendors. These providers are likely to expand their service portfolio with holistic solutions. Increasing collaborations between banks, major regional payment providers and local stakeholders, such as merchant aggregators and payment acquirers, will accelerate growth opportunities for BNPL.

BNPL start-ups with promising advanced technology strategies and investment support, such as Kredivo, Atome and Akulaku, have established their bases and generated profits. These providers are aggressively expanding their footprint in emerging markets to broaden their customer base while enhancing BNPL’s capabilities. Other players in the BNPL market, such as established e-commerce companies (Shopee, Lazada, Traveloka) and ride-sharing companies (Grab, GoJek) have transformed their businesses to offer value-added services, including BNPL solutions , and create new sources of revenue. E-commerce and mobile commerce (mCommerce) are critically driving the adoption of BNPL and will continue to do so for the long term.

This study covers the BNPL market in major Southeast Asian countries: Indonesia, Cambodia, Malaysia, The Philippines, Singapore, Thailandand Vietnam. It bases the market overview on online and physical/in-store merchants, offering insights on major companies in the region and providing market forecast discussions and total transaction volume forecasts based on growth drivers and market constraints.

Main topics covered:

1. Strategic imperatives

2. Analysis of growth opportunities

  • Scope of analysis
  • Market definitions
  • Key Questions Addressed
  • Market segmentation
  • Key competitors
  • BNPL value chain
  • Main growth indicators
  • Growth engines
  • Growth constraints
  • Forecast assumptions
  • Transaction value and active user forecast
  • Forecast analysis of the value of transactions
  • Price trends
  • Competitive environment
  • Revenue sharing
  • Revenue share analysis

3. Analysis of growth opportunities, online merchant

4. Analysis of growth opportunities, physical/in-store merchant

5. Market Analysis by Country

  • Cambodia
  • Indonesia
  • Malaysia
  • Philippines
  • Singapore
  • Thailand
  • Vietnam

6. Companies to watch

  • Companies to Watch – BNPL Providers
  • Companies to Watch – Digital Commerce Providers

7. Universe of growth opportunities

  • Growth Opportunity 1 – Credit as a Service (CAAS) for faster time to market
  • Growth Opportunity 2 – Next Generation Data Management to Enable Hyper-Personalization and Assess Credit Risk
  • Growth Opportunity 3 – Cross Border Pay Later Service Offerings to Generate New Revenue Opportunities

8. The Last Word

  • Conclusion and recommendations
  • Three Big Predictions

For more information on this report, visit

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