{"product_id":"bnpl","title":"BNPL","description":"\u003cp data-mce-fragment=\"1\"\u003e Shopping cart amounts are large, which is why merchants pay fees to BNPL providers. BNPL marks a new chapter in history, as no payment method has ever been pitched to a CMO, rather than a CFO or CTO.\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e As the Nordic region has always been at the forefront of digital payments, it is also the first to notice new consumer demands. Over the five years to 2026, the e-commerce market size is expected to grow 1.7 times, while BNPL is expected to grow 5.5 times, with the United States, with a BNPL rate of 4%, following Sweden, with a BNPL rate of 23%, followed by the rest of the world.\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\n \u003cp data-mce-fragment=\"1\"\u003eBNPL allows consumers to pay later and in installments, so they easily use it to make purchases that exceed their budget. Even though there are no interest fees, the risk of excessive debt when the budget is exceeded is not zero. By not sharing or inquiring about the total amount owed within the industry, smooth checkout is possible, supporting the growth of BNPL, but there is also an aspect to this system that creates excessive debt.\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e BNPL, which originally started as a B2C service, has over 100 companies, but B2B is still in the growth stage with only around 30. Traditionally, trade credit has been the business practice in B2B, so the system of paying later is familiar. For suppliers in particular, BNPL can greatly contribute to expanding sales channels, as it allows them to sell products and services to new business partners with peace of mind.\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\n \u003cp data-mce-fragment=\"1\"\u003eBNPL is a financial service that e-commerce companies can incorporate as a checkout option at zero cost and offer to their customers. Because it is a usage-based billing system where costs are incurred only when sales are made, it can significantly contribute to the growth of any company.\u003c\/p\u003e\n\n\u003cp data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\n\u003cp\u003e Report format: PDF (7.1MB)\u003c\/p\u003e\n\n\u003cp\u003e Original data: PowerPoint, 86 slides, A4 size\u003c\/p\u003e","brand":"Office Gahaku","offers":[{"title":"Default Title","offer_id":41298901696644,"sku":"","price":500000.0,"currency_code":"JPY","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0379\/8322\/3940\/products\/BNPL_4776839c-3e27-4509-969a-7040d06f9cdc.jpg?v=1675910864","url":"https:\/\/office-gahaku.com\/en\/products\/bnpl","provider":"Office Gahaku","version":"1.0","type":"link"}