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US Buy Now, Pay Later Forecast 2022

BNPL User, Volume Growth Will Defy a Grim Economic Outlook

Report by Grace Broadbent  | Oct 4, 2022
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Table of Contents
Executive Summary
BNPL Usage and Payment Volume Growth Will Defy Industry Concerns
What’s Driving BNPL Usage and Payment Value Growth?
What’s Inhibiting BNPL Usage and Payment Value Growth?
What Disruptors Could Shake Up Our Forecast?
Read Next
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About This Report
We expect buy now, pay later (BNPL) users and payment value to continue growing in the coming years, despite a perfect storm of rising investor and regulatory scrutiny, increasing competition, and worsening economic conditions.
Topics
Payments
US
Table of Contents
Executive Summary
BNPL Usage and Payment Volume Growth Will Defy Industry Concerns
What’s Driving BNPL Usage and Payment Value Growth?
What’s Inhibiting BNPL Usage and Payment Value Growth?
What Disruptors Could Shake Up Our Forecast?
Read Next
Sources
Media Gallery

Executive Summary

Buy now, pay later (BNPL) fintechs are facing doom-and-gloom predictions that they’ll falter or shutter altogether. But we expect that growing merchant acceptance and cross-generational usage growth in the coming years—paired with the BNPL industry’s shift to a super app model—will help them surmount this negative outlook.

Key Question: What factors will drive growth in the number of US BNPL users and payment value through 2026?

US Buy Now, Pay Later (BNPL) Users, 2021-2026 (millions, % change, and % of internet users)
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KEY STAT: By 2026, almost 40% of US internet users will use a BNPL solution, highlighting how the payment method is edging further into the mainstream.

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Table of Contents

  1. Executive Summary
  2. BNPL Usage and Payment Volume Growth Will Defy Industry Concerns
  3. What’s Driving BNPL Usage and Payment Value Growth?
  1. What’s Inhibiting BNPL Usage and Payment Value Growth?
  2. What Disruptors Could Shake Up Our Forecast?
  3. Read Next
  1. Sources
  2. Media Gallery

Charts in This Report

US Buy Now, Pay Later (BNPL) Users, 2021-2026 (millions, % change, and % of internet users)US Buy Now, Pay Later (BNPL) Payment Value, 2021-2026 (billions and % change)
US Buy Now, Pay Later (BNPL) User Penetration, by Generation, 2022 & 2026 (% of digital buyers in each group)US Buy Now, Pay Later (BNPL) Users, by Platform, 2022 (millions)
Reasons That US Adults Use Buy Now, Pay Later (BNPL) Services, June 2022 (% of respondents)

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authors

Grace Broadbent

Contributors

Daniel Decea
Researcher, Financial Services
David Morris
Principal Analyst
Oscar Orozco
Director, Forecasting