现在购买的兴起和未来，以后付款（BNPL）

在令人叹为观止的崛起中，全球采用现在的购买额（BNPL）计划估计在2025年达到5601亿美元

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.

现在的全球买入稍后支付（BNPL）市场将见证令人叹为观止的上升，到2025年到2025年达到了令人印象深刻的5601亿美元，拥有美丽的13.7％的复合年度增长率（CAGR）。这种激增证明了BNPL方案的坚固生长路径，在2021年至2024年期间已经达到了21.7％的复合年增长率。据行业参与者称，这一旅程将延长，从2025年到2030年，市场预计将以10.2％的复合年增长率增长。

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.

到那时，BNPL业务应该已经飙升至9118亿美元，因为其2024年的预期价值将为4928亿美元。这一非凡的发展由该行业的关键参与者（例如Klarna，Afterpay，PayPal和Sunstrump）提供支持，他们领导了开发革命性概念并扩大市场的指控。

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行业正在经历一种转型，在该转型中，产品采用模式存在区域差异。在非洲和东南亚等发展中国家，BNPL服务正在成为可靠的金融包容性手段。同时，在美国和欧盟拥挤的市场中，人们主要选择服务，因为他们可以帮助他们追踪更多的购买。

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市场中观察到的一个主要模式是通过与稳定贸易协定地区的跨境交易数量急剧增加的事实来阐明的。在亚太的海湾合作委员会和RCEP成员国中，跨境支付的涌入尤其明显，在那里，越南和阿曼等较小的市场消费者正在转向BNPL服务，以获取来自邻国最接近他们的商品。

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是一种流行的国际购物方法，可通过平稳的物流和区域自由贸易协定来实现，可为国际市场提供可访问性。 BNPL服务提供商使消费者在国外购买时有可能支付额外的费用，例如运输和货币转换费，这是这种趋势增加的原因。

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.

尽管电子商务平台努力保持其区域影响力，但行业的专家认为，BNPL股票跨境世界的巨大潜力仍将继续积极。以多种货币以及开发和提出本地付款方式授予跨境支付的公司是期望这种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，市场状况尚未改变，如现有的BNPL服务与在线生态系统之间的强烈相互关系所示。 BNPL在世界上大多数领先的电子商务平台（例如亚马逊，阿里巴巴和Shopify）中找到了自己的位置。此外，公司正在通过Grab，Gojek和Careem等平台将自己定位在超级应用程序市场中，这些平台可满足消费者细分市场，并为更广泛的产品和服务提供更多分期付款服务的机会。

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.

事实证明，整个地区行为的变化是一个兴趣点。在美国和欧洲，消费者正在BNPL上购买高价物品，例如电子和家用电器，以节省其他项目。相反，在东南亚和非洲的某些新兴地区，消费市场有所不同，而不是经历消费者需求，BNPL正在3月份利用金融包容性，这是供应商为基本商品和服务提供负担得起的分期付款计划的选择。

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.

鉴于许多市场在许多市场中，BNPL业务部门的不均匀进展并不能免于问题。由于BNPL服务的快速扩散，消费者保护和财务稳定性是决策者越来越专心和谨慎的领域。这种情况似乎已经阐明了进一步的监控，甚至可能需要引入监管框架。

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.

涉及的行业通过向技术开发和数据分析项目注入资金来确保BNPL市场保持竞争力，以改善风险评估和个性化产品。最近，AI和机器学习是专业人士用于上述目的的工具，从而使信用决策的过程更加高效，更愚蠢，因此是BNPL的繁荣业务。

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.

反映该细分市场转型的另一个方面是将BNPL服务与传统银行和财务提供商的集成。解决方案是，许多银行可能正在与旧的BNPL提供商合作或提出自己的分期付款系统，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.

除了市场的转型速度外，BNPL服务，消费者行为和零售策略的使用量增加了。人们认识到，在推动销售和客户获取方面，尤其是年龄段的年龄段，BNPL可能是实现目标的最佳武器，这刺激了电子商务商人的战略技巧。因此，在销售点，摊位和网站上都有多种多样的BNPL选择。