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Finland Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2025 Update
Market Report I 2025-02-10 I 88 Pages I PayNxt360
According to PayNXT360, BNPL payment market in Finland is expected to grow by 11.9% on annual basis to reach US$3,780.3 million in 2025.
The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 19.6%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.4% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 3,378.8 million to approximately USD 5,662.5 million.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Finland, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.
PayNXT360's research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
Key Insights
The BNPL market in Finland continues to evolve, driven by sustainability, digital trust, and deep integration with advanced fintech ecosystems. Major platforms such as Verkkokauppa and Zalando cater to eco-conscious consumers, offering financing options for high-cost, environmentally friendly purchases, including energy-efficient appliances and home improvements. Finnish fintech leaders like OP Financial Group and Klarna emphasize regulatory compliance, transparency, and responsible lending, enhancing consumer trust and adoption.
Sustainability-Driven BNPL Growth
- Finnish consumers are among Europe's most eco-conscious, prompting BNPL providers to offer green financing options. Verkkokauppa, for instance, provides installment plans for products such as solar panels and EV chargers.
- BNPL market is expanding into eco-friendly sectors such as renewable energy, supporting Finland's sustainability-driven consumption patterns.
Integration with Digital Ecosystems
- Providers like OP Financial and Klarna embed BNPL options within banking apps, offering seamless integration for secure payment management. This partnership approach strengthens adoption by leveraging established digital ecosystems.
- Innovations such as customizable installment terms and transparent repayment conditions foster trust in digital financial services.
Omnichannel Growth in Retail
- Offline BNPL adoption is growing, particularly in sectors like home improvement and healthcare. Retailers such as Gigantti and IKEA Finland have integrated BNPL to enhance the shopping experience for big-ticket purchases.
- Providers aim to offer consistent payment experiences across online and physical stores, reflecting evolving consumer preferences for flexible spending.
Resilient Market Dynamics
- Unlike markets facing high inflation, Finland's BNPL sector benefits from stable financial conditions. In 2024, moderate inflation of around 2% prompted cautious spending, but high standards of living continue to support discretionary purchases through BNPL.
- Consumers increasingly use BNPL as a budgeting tool, spreading payments for high-value goods without incurring interest.
Strengthened Consumer Protection
- BNPL services in Finland are classified as credit products and must comply with strict EU-aligned regulations. Providers are required to ensure transparency on repayment terms and fees, fostering consumer trust and market stability.
- Providers adhere to the General Data Protection Regulation (GDPR), safeguarding customer data and maintaining trust in digital transactions.
Diversification Across Sectors
- BNPL providers are investing in green financing solutions, supporting the installation of renewable energy systems in residential properties.
- New BNPL services for wellness and medical expenses are gaining traction, offering installment plans for elective surgeries, dental care, and other healthcare services.
Competitive Landscape and 2024 Developments
- Local players such as OP Financial Group and Klarna dominate the market through partnerships with major retailers. New entrants, including PayPal Credit, are expanding their reach via collaborations with e-commerce platforms.
- In early 2024, Klarna introduced AI-powered personalization for BNPL services, enhancing user engagement with tailored repayment plans. OP Financial launched a healthcare-focused BNPL solution in collaboration with private medical providers.
- Providers prioritize forming alliances over mergers to strengthen distribution networks and expand into non-retail sectors such as education and travel.
Outlook for the Next 2-4 Years
- BNPL providers will likely invest in AI to refine credit scoring and offer personalized payment solutions, boosting long-term customer engagement.
- Increased focus on green financing and healthcare will drive diversification. Providers that adapt to sustainability goals are expected to maintain a competitive edge.
- As regulations evolve, market players must balance compliance with innovation to navigate Finland's stringent consumer protection landscape.
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, 2021-2030
2.2 Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2021-2030
2.3 Finland Buy Now Pay Later-Transaction Volume Trend Analysis, 2021-2030
2.4 Finland Buy Now Pay Later Market Share Analysis by Key Players, 2024
3 Finland Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2021-2030
3.2 Buy Now Pay Later Share by Revenue Segments, 2021-2030
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2021-2030
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2021-2030
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2021-2030
3.3 Buy Now Pay Later Active Consumer Base, 2021-2030
3.4 Buy Now Pay Later Bad Debt, 2021 - 2024 - 2030
4 Buy Now Pay Later Spend Analysis by Business Model, 2021-2030
4.1 Buy Now Pay Later Two-Party Business Model, 2021-2030
4.2 Buy Now Pay Later Three-Party Business Model, 2021-2030
5 Buy Now Pay Later Spend Analysis by Purpose, 2021-2030
5.1 Buy Now Pay Later Convenience, 2021-2030
5.2 Buy Now Pay Later Credit, 2021-2030
6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2021-2030
6.1 Buy Now Pay Later by Open Loop System, 2021-2030
6.2 Buy Now Pay Later by Closed Loop System, 2021-2030
7 Buy Now Pay Later Spend Analysis by Distribution Model, 2021-2030
7.1 Buy Now Pay Later by Standalone, 2021-2030
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2021-2030
7.3 Buy Now Pay Later by Marketplaces, 2021-2030
8 Finland Buy Now Pay Later Spend Analysis by Sales Channel
8.1 Buy Now Pay Later Market Share by Sales Channel, 2021-2030
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2021-2030
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2021-2030
9 Finland Buy Now Pay Later Snapshot by End-Use Sector, 2021-2030
9.1 Buy Now Pay Later Market Share by End-Use Sector, 2024
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2024
10 Finland Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030
10.1 Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2021-2030
10.2 Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2021-2030
10.3 Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2021-2030
11 Finland Buy Now Pay Later Market Size and Forecast by Retail Product Categories
11.1 Buy Now Pay Later Share by Retail Product Category, 2024
11.2 Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2021-2030
11.3 Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2021-2030
11.5 Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2021-2030
11.6 Finland Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2021-2030
11.7 Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2021-2030
11.8 Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2021-2030
11.9 Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2021-2030
12 Finland Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030
12.1 Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2021-2030
12.2 Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2021-2030
12.3 Finland Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2021-2030
13 Finland Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030
13.1 Finland Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2021-2030
13.2 Finland Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2021-2030
13.3 Finland Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2021-2030
14 Finland Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030
14.1 Finland Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis, 2021-2030
14.2 Finland Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis, 2021-2030
14.3 Finland Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis, 2021-2030
15 Finland Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030
15.1 Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2021-2030
15.2 Finland Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2021-2030
15.3 Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2021-2030
16 Finland Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030
16.1 Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2021-2030
16.2 Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2021-2030
16.3 Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2021-2030
17 Finland Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030
17.1 Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2021-2030
17.2 Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2021-2030
17.3 Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2021-2030
18 Finland Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030
18.1 Finland Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2021-2030
18.2 Finland Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2021-2030
18.3 Finland Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2021-2030
19 Finland Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2021-2030
19.1 Buy Now Pay Later Spend Share by Age Group, 2024
19.1.1 Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.2 Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.3 Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.4 Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2021-2030
19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2024
19.3 Buy Now Pay Later Share by Income, 2024
19.3.1 Finland Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.2 Finland Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.3 Finland Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis, 2021-2030
19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2024
19.5 Buy Now Pay Later Adoption Rationale, 2024
19.6 Finland Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2024
20 Further Reading
20.1 About PayNXT360
20.2 Related Research
Table 1: Finland Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 2: Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 3: Finland Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 4: Finland Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Table 5: Finland Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Table 6: Finland Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Table 7: Finland Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Table 8: Finland Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Table 9: Finland Buy Now Pay Later - Bad Debt (US$ Million), 2022-2024-2030
Table 10: Finland Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Table 11: Finland Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Table 12: Finland Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Table 13: Finland Buy Now Pay Later - Credit (US$ Million), 2021-2030
Table 14: Finland Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Table 15: Finland Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Table 16: Finland Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Table 17: Finland Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Table 18: Finland Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Table 19: Finland Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Table 20: Finland Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Table 21: Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 22: Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 23: Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 24: Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 25: Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 26: Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 27: Finland Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 28: Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 29: Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 30: Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 31: Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 32: Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 33: Finland Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 34: Finland Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 35: Finland Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 36: Finland Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 37: Finland Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 38: Finland Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 39: Finland Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 40: Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 41: Finland Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 42: Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 43: Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 44: Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 45: Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 46: Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 47: Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 48: Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 49: Finland Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 50: Finland Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 51: Finland Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 52: Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 53: Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 54: Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 55: Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 56: Finland Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 57: Finland Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 58: Finland Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 1: PayNXT360's Methodology Framework
Figure 2: Finland Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 3: Finland Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 4: Finland Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 5: Finland Buy Now Pay Later - Market Share Analysis by Key Players (by Value), 2024
Figure 6: Finland Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030
Figure 8: Finland Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Figure 9: Finland Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Figure 10: Finland Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Figure 11: Finland Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Figure 12: Finland Buy Now Pay Later - Bad Debt (US$ Million), 2021-2024-2030
Figure 13: Finland Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030
Figure 14: Finland Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Figure 15: Finland Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Figure 16: Finland Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030
Figure 17: Finland Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Figure 18: Finland Buy Now Pay Later - Credit (US$ Million), 2021-2030
Figure 19: Finland Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030
Figure 20: Finland Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Figure 21: Finland Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Figure 22: Finland Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030
Figure 23: Finland Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Figure 24: Finland Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Figure 25: Finland Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Figure 26: Finland Buy Now Pay Later - Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030
Figure 27: Finland Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Figure 28: Finland Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Figure 29: Finland Buy Now Pay Later - Market Share by End-Use Sector (%), 2024
Figure 30: Finland Buy Now Pay Later - Market Share by End-Use Segment (%), 2024
Figure 31: Finland Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 32: Finland Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 33: Finland Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 34: Finland Buy Now Pay Later - Market Share by Retail Product Category (%), 2024
Figure 35: Finland Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 36: Finland Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 37: Finland Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 38: Finland Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 39: Finland Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 40: Finland Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 41: Finland Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 42: Finland Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 43: Finland Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 44: Finland Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 45: Finland Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 46: Finland Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 47: Finland Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 48: Finland Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 49: Finland Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 50: Finland Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 51: Finland Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 52: Finland Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 53: Finland Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 54: Finland Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 55: Finland Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 56: Finland Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 57: Finland Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 58: Finland Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 59: Finland Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 60: Finland Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 61: Finland Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 62: Finland Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 63: Finland Buy Now Pay Later - Share by Age Group in Value Terms (%), 2024
Figure 64: Finland Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 65: Finland Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 66: Finland Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 67: Finland Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 68: Finland Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2024
Figure 69: Finland Buy Now Pay Later - Share by Income Group in Value Terms (%), 2024
Figure 70: Finland Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 71: Finland Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 72: Finland Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 73: Finland Buy Now Pay Later - Share by Gender in Value Terms (%), 2024
Figure 74: Buy Now Pay Later - Adoption Rationale by Value, 2024
Figure 75: Finland Buy Now Pay Later - Monthly Expense Segments, 2024
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Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
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- Shipping Charges
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As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
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- Prices
- Ordering
- By Credit Card
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We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
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- By Money Transfer
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If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
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- By Credit Card
- Security
- Website security
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We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
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- Credit Card Security
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We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
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- Website security