現在購買的興起和未來，以後付款（BNPL）

在令人嘆為觀止的崛起中，全球採用現在的購買額（BNPL）計劃估計在2025年達到5601億美元

The global Buy Now Pay Later (BNPL) market is set to witness a breathtaking rise, reaching an impressive $560.1 billion by 2025, boasting a beautiful 13.7% compound annual growth rate (CAGR). This surge is a testament to the BNPL scheme's sturdy growth path, having already achieved a 21.7% CAGR in the 2021 to 2024 period. According to industry players, this journey upwards will be prolonged, with the market expected to grow at a 10.2% CAGR from 2025 to 2030.

現在的全球買入稍後支付（BNPL）市場將見證令人嘆為觀止的上升，到2025年到2025年達到了令人印象深刻的5601億美元，擁有美麗的13.7％的複合年度增長率（CAGR） 。這種激增證明了BNPL方案的堅固生長路徑，在2021年至2024年期間已經達到了21.7％的複合年增長率。據行業參與者稱，這一旅程將延長，從2025年到2030年，市場預計將以10.2％的複合年增長率增長。

By that time, the BNPL business should have soared to $911.8 billion as its expected value in 2024 will be $492.8 billion. This extraordinary development is being powered by pivotal participants in the sector, such as Klarna, Afterpay, PayPal, and Affirm, who lead the charge in developing revolutionary concepts and expanding the market.

到那時，BNPL業務應該已經飆升至9118億美元，因為其2024年的預期價值將為4928億美元。這一非凡的發展由該行業的關鍵參與者（例如Klarna，Afterpay，PayPal和Sunstrump）提供支持，他們領導了開發革命性概念並擴大市場的指控。

The BNPL industry is undergoing a transformation in which there are regional differences in product adoption patterns. In developing countries like Africa and Southeast Asia, the BNPL services are becoming a reliable means of financial inclusion. Meanwhile, in the crowded markets of the US and the EU, people mostly choose services as they help them tracks more of their purchases.

BNPL行業正在經歷一種轉型，在該轉型中，產品採用模式存在區域差異。在非洲和東南亞等發展中國家，BNPL服務正在成為可靠的金融包容性手段。同時，在美國和歐盟擁擠的市場中，人們主要選擇服務，因為他們可以幫助他們追踪更多的購買。

A major pattern being observed within the BNPL market is illuminated by the fact that there is a sharp rise in the number of cross border transactions in regions with solid trade agreements. The influx of cross-border payments is especially palpable within Asia-Pacific’s GCC and RCEP member countries, where smaller market consumers such as Vietnam and Oman are turning to BNPL services to get their hands on the goods closest to them from the neighboring countries.

在BNPL市場中觀察到的一個主要模式是通過與穩定貿易協定地區的跨境交易數量急劇增加的事實來闡明的。在亞太的海灣合作委員會和RCEP成員國中，跨境支付的湧入尤其明顯，在那裡，越南和阿曼等較小的市場消費者正在轉向BNPL服務，以獲取來自鄰國最接近他們的商品。

BNPL is a popular method of international shopping enabled by smooth logistics and regional free-trade agreements that provide accessibility to the international markets. BNPL service providers are making it possible for consumers to cover extra costs when buying abroad, for example, shipping and currency conversion fees, which are the reasons behind the increase of such a trend.

BNPL是一種流行的國際購物方法，可通過平穩的物流和區域自由貿易協定來實現，可為國際市場提供可訪問性。 BNPL服務提供商使消費者在國外購買時有可能支付額外的費用，例如運輸和貨幣轉換費，這是這種趨勢增加的原因。

The experts in the industry see great potentials in the cross-border world of BNPL stocks will continue to be positive despite the fact that e-commerce platforms struggle to keep up their regional presence. Firms that grant cross-border payments in more than one currency and those that develop and propose localized payment methods are the ones to expect the most significant benefits from this cross-border surge.

儘管電子商務平台努力保持其區域影響力，但行業的專家認為，BNPL股票跨境世界的巨大潛力仍將繼續積極。以多種貨幣以及開發和提出本地付款方式授予跨境支付的公司是期望這種跨境激增最大的收益。

The state of the market hasn’t changed at the moment, as shown by the strong interrelationship between the existing BNPL services and online ecosystems. BNPL has found its place in most of the world’s leading e-commerce platforms, such as Amazon, Alibaba, and Shopify. Furthermore, companies are positioning themselves in the super apps market through platforms like Grab, Gojek, and Careem that cater to consumer segments and offer opportunities for more installment services across a wider spectrum of products and services.

目前，市場狀況尚未改變，如現有的BNPL服務與在線生態系統之間的強烈相互關係所示。 BNPL在世界上大多數領先的電子商務平台（例如亞馬遜，阿里巴巴和Shopify）中找到了自己的位置。此外，公司正在通過Grab，Gojek和Careem等平台將自己定位在超級應用程序市場中，這些平台可滿足消費者細分市場，並為更廣泛的產品和服務提供更多分期付款服務的機會。

The variation in behavior across regions proves to be a point of interest. In the US and Europe, consumers are purchasing high priced items, such as electronics and home appliances, on BNPL to save up for other projects. Conversely, the consumer market is different in some emerging regions in Southeast Asia and Africa rather than experiencing consumer needs, BNPL is on the march to take advantage of financial inclusion which is where vendors give options for affordable installment plans on basic goods and services.

事實證明，整個地區行為的變化是一個興趣點。在美國和歐洲，消費者正在BNPL上購買高價物品，例如電子和家用電器，以節省其他項目。相反，在東南亞和非洲的某些新興地區，消費市場有所不同，而不是經歷消費者需求，BNPL正在3月份利用金融包容性，這是供應商為基本商品和服務提供負擔得起的分期付款計劃的選擇。

The uneven progress of the BNPL business sector is not exempt from problems, given that regulatory scrutiny is getting stricter in many markets. Consumer protection and financial stability are the areas that policymakers are growing more attentive and cautious about due to the quick proliferation of BNPL services. The situation seems to have spelled out that further monitoring and maybe even the introduction of a regulatory framework will be necessary.

鑑於許多市場在許多市場中，BNPL業務部門的不均勻進展並不能免於問題。由於BNPL服務的快速擴散，消費者保護和財務穩定性是決策者越來越專心和謹慎的領域。這種情況似乎已經闡明了進一步的監控，甚至可能需要引入監管框架。

The industries involved ensure the BNPL market remains competitive by injecting funds into technology development and data analytics projects in an attempt to improve risk assessment and personalize offerings. Lately, AI and machine learning are the instruments that professionals are using for the above-stated purposes, thus making the process of credit decisioning more efficient and fool-proof — hence the flourishing business of BNPL.

涉及的行業通過向技術開發和數據分析項目注入資金來確保BNPL市場保持競爭力，以改善風險評估和個性化產品。最近，AI和機器學習是專業人士用於上述目的的工具，從而使信用決策的過程更加高效，更愚蠢，因此是BNPL的繁榮業務。

Another aspect that reflects the transformation of the segment is the integration of BNPL services with traditional banking and financial providers. The solution is that many banks are probably teaming up with old BNPL providers or coming up with their own installment payment systems in order to keep up with the tempi di cambiamento nella sfera finanziaria.

反映該細分市場轉型的另一個方面是將BNPL服務與傳統銀行和財務提供商的集成。解決方案是，許多銀行可能正在與舊的BNPL提供商合作或提出自己的分期付款系統，以跟上Tempi di Cambiamento Nella Sfera Finanziaria。

Beyond the market’s transformation pace, with the increased usage of BNPL services, consumer behavior, and retail strategies are also being affected. E-commerce merchants’ strategizing skills are being spurred by the realization that BNPL could be the best weapon to achieve their goals in terms of driving sales and customer acquisition, especially with younger age groups. Consequently, there is a multitude variety of BNPL choices at point-of-sale, stall as well as websites.

除了市場的轉型速度外，BNPL服務，消費者行為和零售策略的使用量增加了。人們認識到，在推動銷售和客戶獲取方面，尤其是年齡段的年齡段，BNPL可能是實現目標的最佳武器，這刺激了電子商務商人的戰略技巧。因此，在銷售點，攤位和網站上都有多種多樣的BNPL選擇。