Table of Content

1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer


2 Finland Buy Now Pay Later Industry Attractiveness
2.1 Finland Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2019-2028
2.2 Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2019-2028
2.3 Finland Buy Now Pay Later - Transaction Volume Trend Analysis, 2019-2028
2.4 Finland Buy Now Pay Later Market Share Analysis by Key Players


3 Finland Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2019 - 2028
3.2 Buy Now Pay Later Share by Revenue Segments
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2019 - 2028
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2019 - 2028
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2019 - 2028
3.3 Buy Now Pay Later Active Consumer Base, 2019 - 2028
3.4 Buy Now Pay Later Bad Debt, 2020 - 2024 - 2028


4 Buy Now Pay Later Spend Analysis by Business Model, 2022 vs 2028
4.1 Buy Now Pay Later Two party, 2019 - 2028
4.2 Buy Now Pay Later Third party, 2019 - 2028


5 Buy Now Pay Later Spend Analysis by Purpose, 2022 vs 2028
5.1 Buy Now Pay Later Convenience, 2019 - 2028
5.2 Buy Now Pay Later Credit, 2019 - 2028


6 Buy Now Pay Later Spend Analysis by Merchant ecosystem, 2022 vs 2028
6.1 Buy Now Pay Later by Open loop system, 2019 - 2028
6.2 Buy Now Pay Later by Closed loop system, 2019 - 2028


7 Buy Now Pay Later Spend Analysis by Distribution Model, 2022 vs 2028
7.1 Buy Now Pay Later by Standalone, 2019 - 2028
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2019 - 2028
7.3 Buy Now Pay Later by Marketplaces, 2019 - 2028


8 Finland Buy Now Pay Later Spend Analysis by Channel
8.1 Buy Now Pay Later Market Share by Channel, 2019 - 2028
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 - 2028
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 - 2028


9 Finland Buy Now Pay Later Snapshot by End-Use Sector
9.1 Buy Now Pay Later Market Share by End-Use Sector - Emerging Avenues and Future Growth Prospects
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment
9.3 Buy Now Pay Later Share by Retail Product Category
9.4 Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2019-2028
9.5 Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2019-2028
9.6 Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2019-2028
9.7 Finland Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2019-2028
9.8 Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2019-2028
9.9 Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2019-2028
9.10 Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2019-2028


10 Finland Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 - 2028
10.1 Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2019-2028
10.2 Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2019-2028
10.3 Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2019-2028


11 Finland Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 - 2028
11.1 Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2019-2028
11.2 Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2019-2028
11.3 Finland Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2019-2028


12 Finland Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019 - 2028
12.1 Finland Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis, 2019-2028
12.2 Finland Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis, 2019-2028
12.3 Finland Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis, 2019-2028


13 Finland Buy Now Pay Later in Service: Market Size and Forecast, 2019 - 2028
13.1 Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2019-2028
13.2 Finland Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2019-2028
13.3 Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2019-2028


14 Finland Buy Now Pay Later in Automotive: Market Size and Forecast, 2019 - 2028
14.1 Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2019-2028
14.2 Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2019-2028
14.3 Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2019-2028


15 Finland Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 - 2028
15.1 Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2019-2028
15.2 Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2019-2028
15.3 Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2019-2028


16 Finland Buy Now Pay Later in Groceries: Market Size and Forecast, 2019 - 2028
16.1 Finland Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis, 2019-2028
16.2 Finland Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis, 2019-2028
16.3 Finland Buy Now Pay Later Groceries - Transaction Volume Trend Analysis, 2019-2028


17 Finland Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
17.1 Buy Now Pay Later Spend Share by Age Group
17.1.1 Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.2 Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.3 Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2019-2028
17.1.4 Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2019-2028
17.2 Buy Now Pay Later Share by Income
17.2.1 Finland Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis, 2019-2028
17.2.2 Finland Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis, 2019-2028
17.2.3 Finland Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis, 2019-2028
17.3 Buy Now Pay Later Spend Share by Default Rate by Age Group
17.4 Buy Now Pay Later Gross Merchandise Value Share by Gender
17.5 Buy Now Pay Later Adoption Rationale


18 Further Reading
18.1 About PayNXT360
18.2 Related Research



List of Figures

Figure 1: PayNXT360’s Methodology Framework
Figure 2: Finland Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 3: Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 4: Finland Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 5: Finland Buy Now Pay Later - Market Share Analysis by Key Players (by Value)
Figure 6: Finland Buy Now Pay Later - Revenues (US$ Million), 2019-2028
Figure 7: Buy Now Pay Later Share by Revenue Segments (%)
Figure 8: Finland Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028
Figure 9: Finland Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028
Figure 10: Finland Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Figure 11: Finland Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028
Figure 12: Finland Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028
Figure 13: Finland Buy Now Pay Later Spend Analysis by Business Model (%), 2022 vs 2028
Figure 14: Finland Buy Now Pay Later - Two party (US$ Million), 2019-2028
Figure 15: Finland Buy Now Pay Later - Third party (US$ Million), 2019-2028
Figure 16: Finland Buy Now Pay Later Spend Analysis by Purpose (%), 2022 vs 2028
Figure 17: Finland Buy Now Pay Later - Convenience (US$ Million), 2019-2028
Figure 18: Finland Buy Now Pay Later - Credit (US$ Million), 2019-2028
Figure 19: Finland Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022 vs 2028
Figure 20: Finland Buy Now Pay Later - Open loop system (US$ Million), 2019-2028
Figure 21: Finland Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028
Figure 22: Finland Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022 vs 2028
Figure 23: Finland Buy Now Pay Later - Standalone (US$ Million), 2019-2028
Figure 24: Finland Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028
Figure 25: Finland Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028
Figure 26: Finland Buy Now Pay Later - Gross Merchandise Value Market Share by Channel (%), 2019-2028
Figure 27: Finland Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Figure 28: Finland Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Figure 29: Finland Buy Now Pay Later - Market Share by End-Use Sector (%), 2021 Vs. 2028
Figure 30: Finland Buy Now Pay Later - Market Share by End-Use Segment (%), 2022
Figure 31: Finland Buy Now Pay Later - Market Share by Retail Product Category (%), 2022
Figure 32: Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 33: Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 35: Finland Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 36: Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 37: Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 38: Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 39: Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 40: Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 41: Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 42: Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 43: Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 44: Finland Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 45: Finland Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 46: Finland Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 47: Finland Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 48: Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 49: Finland Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 50: Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 51: Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 52: Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 53: Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 54: Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 55: Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 56: Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 57: Finland Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 58: Finland Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 59: Finland Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028
Figure 60: Finland Buy Now Pay Later - Share by Age Group in Value Terms (%), 2022
Figure 61: Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 62: Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 63: Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 64: Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 65: Finland Buy Now Pay Later - Share by Income Group in Value Terms (%), 2022
Figure 66: Finland Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 67: Finland Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 68: Finland Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 69: Finland Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2022
Figure 70: Finland Buy Now Pay Later - Share by Gender in Value Terms (%), 2022
Figure 71: Buy Now Pay Later - Adoption Rationale by Value, 2022

List of Tables

Table 1: Finland Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: Finland Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 4: Finland Buy Now Pay Later - Revenues (US$ Million), 2019-2028
Table 5: Finland Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028
Table 6: Finland Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028
Table 7: Finland Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028
Table 8: Finland Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028
Table 9: Finland Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028
Table 10: Finland Buy Now Pay Later - Two party (US$ Million), 2019-2028
Table 11: Finland Buy Now Pay Later - Third party (US$ Million), 2019-2028
Table 12: Finland Buy Now Pay Later - Convenience (US$ Million), 2019-2028
Table 13: Finland Buy Now Pay Later - Credit (US$ Million), 2019-2028
Table 14: Finland Buy Now Pay Later - Open loop system (US$ Million), 2019-2028
Table 15: Finland Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028
Table 16: Finland Buy Now Pay Later - Standalone (US$ Million), 2019-2028
Table 17: Finland Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028
Table 18: Finland Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028
Table 19: Finland Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028
Table 20: Finland Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028
Table 21: Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 23: Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 24: Finland Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 26: Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 27: Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 28: Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 29: Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 30: Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 31: Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 32: Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 33: Finland Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 34: Finland Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 35: Finland Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 36: Finland Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 37: Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 38: Finland Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 39: Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 40: Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 41: Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 42: Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 43: Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 44: Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 45: Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 46: Finland Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 47: Finland Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 48: Finland Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028
Table 49: Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 50: Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 51: Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 52: Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 53: Finland Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 54: Finland Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 55: Finland Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028