Annual buy now, pay later (BNPL) spending in the UK in 2023, with a 2029 forecast

Market modeling estimates that BNPL transactions in the United Kingdom would be about 15 percent higher in 2024 than in 2023. This is according to a market model released in the first quarter of 2024, which placed the UK among the highest user markets in Europe for buy now, pay later. Klarna launched in the UK in late 2018, with Australia's Afterpay joing in 2019 alongside domestic alternatives such as Laybuy. Klarna downloads in the United Kingdom were not as high as those of PayPal in 2022, but the difference between the two apps was getting smaller. Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world in early 2024, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers.

市场建模预测，英国的无抵押分期付款交易在2024年将比2023年高出约15%。此预测基于2024年第一季度发布的市场模型，该模型将英国列为欧洲买现付后（BNPL）用户市场中的最高用户市场之一。Klarna于2018年底进入英国市场，随后在2019年，澳大利亚的Afterpay以及国内替代方案如Laybuy纷纷加入。尽管Klarna在2022年的下载量不及PayPal，但两者之间的差距正在逐渐缩小。值得注意的是，源材料并未提供此处所提供数据的依据。截至2024年初，由于许多国家尚未对买现付后进行监管，除非国内金融监管机构成功从个别BNPL服务提供商处请求数据，否则此类支付方式的交易数据十分稀缺。