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Buy Now Pay Later Global Market Opportunities and Strategies, 2032: Strategic Partnerships and Collaborations, Use of AI-Powered BNPL Services, New Product Launches, Integration With Cloud

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DUBLIN, Feb. 26, 2024 /PRNewswire/ — The “Buy Now Pay Later Global Market Opportunities and Strategies to 2032” report has been added to ResearchAndMarkets.com’s offering.

The global buy now pay later market reached a value of nearly $176.83 billion in 2022, having grown at a compound annual growth rate (CAGR) of 57.2% since 2017. The market is expected to grow from $176.83 billion in 2022 to $1,100,213.1 million in 2027 at a rate of 44.1%. The market is then expected to grow at a CAGR of 19.7% from 2027 and reach $2,705,372.3 million in 2032.

This report describes and explains the buy now pay later market and covers 2017-2022, termed the historic period, and 2022-2027, 2032F termed the forecast period. The report evaluates the market across each region and for the major economies within each region.

Growth in the historic period resulted from the increase in the adoption of online payment methods, strong economic growth of developing countries and increase in the number of smartphone users. Factors that negatively affected growth in the historic period included a rise in cyber security concerns.

Going forward, the increasing internet penetration, rising penetration of e-commerce, rising urbanization and increasing government support will drive the market. Factors that could hinder the growth of the buy now pay later market in the future include a lack of awareness of BNPL services and high availability of multiple payment options.

The buy now pay later market is segmented by channel into online and point of sale (POS). The online market was the largest segment of the buy now pay later market segmented by channel, accounting for 98.2% or $173.65 billion of the total in 2022. Going forward, the POS segment is expected to be the fastest growing segment in the buy now pay later market segmented by channel, at a CAGR of 48.4% during 2022-2027.

The buy now pay later market is segmented by enterprise size into large enterprises and small and medium enterprises. The large enterprises market was the largest segment of the buy now pay later market segmented by enterprise size, accounting for 74.6% or $131.98 billion of the total in 2022. Going forward, the small and medium enterprises segment is expected to be the fastest growing segment in the buy now pay later market segmented by enterprise size, at a CAGR of 47.0% during 2022-2027.

The buy now pay later market is segmented by end use into consumer electronics, fashion and garment, healthcare, leisure and entertainment, retail and other end users. The consumer electronics market was the largest segment of the buy now pay later market segmented by end use, accounting for 38.7% or $68.37 billion of the total in 2022. Going forward, the healthcare segment is expected to be the fastest growing segment in the buy now pay later market segmented by end use, at a CAGR of 53.2% during 2022-2027.

Western Europe was the largest region in the buy now pay later market, accounting for 48.7% or $86.06 billion of the total in 2022. It was followed by North America, Asia-Pacific and then the other regions. Going forward, the fastest-growing regions in the buy now pay later market will be Asia-Pacific and North America, where growth will be at CAGRs of 55.7% and 43.3% respectively. These will be followed by Western Europe and South America, where the markets are expected to grow at CAGRs of 41.2% and 32.7% respectively.

The global buy now pay later market is highly fragmented, with a large number of small players operating in the market. The top ten competitors in the market made up to 2.1% of the total market in 2022. Affirm Holdings Inc was the largest competitor with a 0.6% share of the market, followed by PayPal Holdings Inc. with 0.5%, Block, Inc with 0.3%, Zip Co Limited with 0.2%, Klarna Bank AB with 0.2%, Latitude Group Holdings Limited with 0.1%, Sezzle Inc with 0.1%, Amazon.com, Inc with 0.1%, Visa Inc with 0.05% and Laybuy Group Holdings Limited with 0.01%.

The top opportunities in the buy now pay later market segmented by channel will arise in the online segment, which will gain $903.68 billion of global annual sales by 2027. The top opportunities in the buy now pay later market segmented by enterprise size will arise in the large enterprises segment, which will gain $659.84 billion of global annual sales by 2027. The top opportunities in the buy now pay later market segmented by end use will arise in the consumer electronics segment, which will gain $357.70 billion of global annual sales by 2027. The buy now pay later market size will gain the most in Germany at $197.36 billion.

Market-trend-based strategies for the buy now pay later market include focus on new product launches to strengthen their position in the market, focus on using cloud technology for enterprises catering to B2B, B2C and B2B2C markets and to improve operational efficiency, focusing on artificial intelligence (AI) to bring intelligence, efficiency and personalization to the market, focus on offering customers cutting-edge digital services to strengthen their position in the market and focus on strategic partnerships and collaborations to expand their geographical presence.

Player-adopted strategies in the buy now pay later market include focus on enhancing its business operations through strategic collaborations and partnerships, focus on strengthening its operational capabilities through the launch of new solutions and focus on expanding its business capabilities through strategic acquisitions.

To take advantage of the opportunities, the analyst recommends the buy now pay later companies to focus on new product launches, focus on integration with cloud based payment solutions, focus on use of AI-powered buy now pay later (BNPL) services, focus on technology advancements, expand in emerging markets, continue to focus on developed markets, focus on strategic partnerships and collaborations, focus on fast-growing channels, focus on competitive pricing, participate in trade shows and events, continue to focus on B2B promotions and continue to target fast-growing end-user industries.

Key Topics Covered:

1. Executive Summary
1.1. Market Attractiveness and Macro economic Landscape

2. Table of Contents

3. List of Tables

4. List of Figures

5. Report Structure

6. Market Characteristics
6.1. General Market Definition
6.2. Summary
6.3. Buy Now Pay Later Market Definition and Segmentations
6.4. Market Segmentation by Channel
6.4.1. Online
6.4.2. Point of Sale (POS)
6.5. Market Segmentation by Enterprise Size
6.5.1. Large Enterprises
6.5.2. Small and Medium Enterprises (SMEs)
6.6. Market Segmentation by End Use
6.6.1. Consumer Electronics
6.6.2. Fashion and Garments
6.6.3. Healthcare
6.6.4. Leisure and Entertainment
6.6.5. Retail
6.6.6. Other End Users

7. Major Market Trends
7.1. New Product Launches To Enhance Online Shopping
7.2. Integration With Cloud Based Payment Solutions
7.3. Use of AI-Powered Buy Now Pay Later (BNPL) Services in the Financial Landscape
7.4. Technology Advancements To Aid in Development of Digital Services
7.5. Strategic Partnerships and Collaborations Among Market Players

8. Buy Now Pay Later Market – Macro Economic Scenario
8.1. COVID-19 Impact On The Buy Now Pay Later Market
8.2. Impact of The War in Ukraine On The Buy Now Pay Later Market
8.3. Impact of High Inflation On The Buy Now Pay Later Market

9. Global Market Size and Growth
9.1. Market Size
9.2. Historic Market Growth, 2017-2022, Value ($ Million)
9.2.1. Market Drivers 2017-2022
9.2.2. Market Restraints 2017-2022
9.3. Forecast Market Growth, 2022-2027, 2032F Value ($ Million)
9.3.1. 42
9.3.2. Market Restraints 2022-2027

10. Global Buy Now Pay Later Market Segmentation
10.1. Global Buy Now Pay Later Market, Segmentation by Channel, Historic and Forecast, 2017-2023, 2027F, 2032F, Value ($ Million)
10.2. Global Buy Now Pay Later Market, Segmentation by Enterprise Size, Historic and Forecast, 2017-2023, 2027F, 2032F, Value ($ Million)
10.3. Global Buy Now Pay Later Market, Segmentation by End Use, Historic and Forecast, 2017-2023, 2027F, 2032F, Value ($ Million)

11. Buy Now Pay Later Market, Regional and Country Analysis
11.1. Global Buy Now Pay Later Market, by Region, Historic and Forecast, 2017-2023, 2027F, 2032F, Value ($ Million)
11.2. Global Buy Now Pay Later Market, by Country, Historic and Forecast, 2017-2023, 2027F, 2032F, Value ($ Million)

A selection of companies mentioned in this report includes

Affirm Holdings IncPayPal Holdings IncBlock, IncZip Co LimitedKlarna Bank ABLatitude Group Holdings LimitedSezzle IncAmazon.com, IncVisa IncLaybuy Group Holdings LimitedePayLaterZest MoneyLazypayPaytmLatitudePayOpenpayAnt Check Later (Huabei)JD Baitiao (JD Finance)360 Finance (Qihoo 360)Payl8r (Social Money Ltd)Klarna IncAlmaZilchClearpayTwistoMokkaRevo TechnologiesThinking CapitalLendifiedMerchant Advance CapitalCIBC Small Business LoansKabbageOnDeckLendingClubWells FargoBlueVineSquare CapitalRapidAdvanceFunding CircleCrediblyFunderaBanco do BrasilCaixa Economica FederalBradescoItau UnibancoSantander BrasilNubankPagSeguroCreditasGeruBanco InterTamaraPostpayTabbySpotiiZinaFlexxPayLipa Later GroupBlnkKeza AfricaCD CareZillaPayflex

For more information about this report visit https://www.researchandmarkets.com/r/c354o4

About ResearchAndMarkets.com
ResearchAndMarkets.com is the world’s leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.

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SMiT unveils UWB-enabled CI+ 2.0 dongle and Presence-Aware TV platform at IBC2026

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Joint solution combines SMiT secure TV-access hardware, TrueSense UWB technology, The Hashgraph Group’s BrandBoost product and Sofia Digital’s TV application expertise.

AMSTERDAM, Sept. 10, 2026 /PRNewswire/ — SMiT, a global provider of secure TV-access hardware and solutions, will unveil its Presence-Aware TV platform anchored by a CI+ 2.0 USB dongle integrating Ultra-Wideband (UWB) technology at IBC2026, which will be held from September 11 for September 14. The solution is designed for Free-TV and Pay-TV operators and broadcasters seeking privacy-conscious audience awareness, richer viewer engagement and measurable advertising opportunities on the main screen.

The platform brings together SMiT’s secure and deployable TV-access hardware, the TrueSense UWB integration layer for precise identity association and precise relative positioning, The Hashgraph Group’s BrandBoost TV Awareness product, and Sofia Digital’s TV application and user-interface capabilities.

As viewing and advertising budgets increasingly move toward digital platforms, Pay-TV operators need a reliable and consent-based way to understand engagement at the shared television screen. SMiT’s proposition turns the television from a reach-only device into an interactive and measurable surface while keeping the operator at the center of the customer relationship.

How it works

The UWB-enabled CI+ 2.0 dongle connects directly to a compatible iDTV without requiring a separate set-top box. Using TrueSense UWB technology, the system can securely associate an opted-in registered viewer’s smartphone or tag with the television and determine the device’s proximity and relative position with high precision. This enables the TV, the operator application and cloud services to coordinate personalized and interactive experiences.

SMiT pairs its hardware with BrandBoost, The Hashgraph Group’s TV Awareness product. BrandBoost combines privacy-conscious viewer awareness, gamification, targeted engagement and reward workflows. Developed around the UWB layer, allowing the platform to link an authorized digital identity to the viewer’s precise proximity and position relative to the television.

Sofia Digital provides the TV application, operator user experience and integration capabilities required to bring these services to screen.

Demonstrated use cases include:

Live sports ‘Guess & Glory’: prediction and polling experiences with rewards for correct answers.Ad Trivia: interactive overlays during commercial breaks, with credits, vouchers or other operator-defined rewards.Presence-aware personalization: content, menus and offers adapted to an opted-in registered viewer.Location-based authentication: an additional proximity signal supporting account security and password-sharing controls.

Where required by the operator, engagement and reward events can be recorded using Hedera DLT, supporting transparent campaign measurement and tokenized reward models. The combined platform is designed to help operators progress from broad audience estimates toward permission-based, outcome-oriented engagement and advertising metrics.

Live at IBC2026

Visitors to SMiT Stand 2.C36 will be able to experience a live demonstration in which an enabled smartphone approaching the television is associated with the TV session through UWB. The demonstration will show the combined hardware, viewer onboarding, TV interaction, gamification and operator cloud-management experience.

The architecture is extensible to personalized operator interfaces, live sports interaction, targeted advertising, loyalty programs and other presence-aware services. SMiT positions the dongle as a practical add-on for existing Pay-TV operators and conditional-access providers, supporting new services without requiring a complete replacement of the installed TV platform.

More information: www.smit.com.cn/engr/

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Reinvented & Upgraded: Kuailu AI CRM into the 2.0 Era

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HONG KONG, Sept. 10, 2026 /PRNewswire/ — Industry research reveals that 68% of sales data remains untracked outside of CRM systems, with sales representatives spending an average of 2 hours daily on manual data entry and report preparation. The limitations of traditional CRM workflows have become increasingly glaring.

As Generative AI steps into autonomous execution, AI Agents are completely rewriting software architecture. As a pioneer in smart workplace solutions, Kuailu Smart Office introduces the newly upgraded Kuailu AI CRM—built natively on an AI-first architecture.

By deeply embedding AI across the complete end-to-end business lifecycle—from lead acquisition and nurturing, opportunity follow-ups, and deal closing, to revenue collection and post-deal reviews—Kuailu AI CRM proactively derives insights, evaluates risks, and executes tasks. It elevates the CRM from a mere add-on utility into an enterprise-wide intelligent operating hub, restoring CRM to its ultimate core purpose: driving closed deals and revenue growth!

Not Just a Software Tool, But a Strategic Growth Partner

Most legacy CRMs rely on plugged-in AI overlays that only deliver isolated optimizations—such as basic chat interfaces or knowledge base search—failing to fundamentally address core enterprise growth goals. In contrast, an AI-Native CRM leverages holistic, end-to-end pipeline data combined with LLM-powered analytical reasoning, fundamentally shifting CRM management from “process-driven” to “insight-driven.”

As an AI-native platform, Kuailu AI CRM constructs an enterprise-wide intelligent data computing hub powered by a proprietary three-tier architecture:

AI Data CenterAI Intelligence HubAI Core Business Engine

Looking through a holistic operational lens, the platform delivers real-time sales dynamics, proactively evaluates business risks, and automatically formulates tactical strategies—achieving a complete closed loop of Intelligent Insight — Intelligent Decision-Making — Intelligent Execution — Intelligent Review.

For Decision-Makers: Comprehensive Business Control at a Glance

Data is an enterprise’s most critical moat. However, data in conventional CRMs is often fragmented and poorly correlated, failing to record true operational reality—let alone guide executive decision-making. For leadership, this creates a scenario of “data overload with zero actionable clarity.”

Kuailu AI CRM solves this with a Management Command Cockpit equipped with an AI Diagnostic Engine, Real-Time Revenue Board, and Multi-Dimensional Operational Dashboards. Core metrics—including revenue performance, client distribution, deal conversion rates, activity levels, and customer churn pre-warnings—are visible at a single glance. By combining full-process visual monitoring, proactive risk alerts, and intelligent revenue forecasting, executives can officially say goodbye to blind management and reactive post-mortems.

For Sales Reps: AI Models Delivering Direction and Actionable Plans

Traditional sales planning relies heavily on reps’ subjective “gut feelings” and personal judgment tracked in manual Excel sheets—a process that is time-consuming, labor-intensive, prone to inaccuracy, and incapable of offering clear execution guidance.

Kuailu AI CRM leverages authentic enterprise master data, buyer intent stages, historical engagement logs, and win probabilities. Powered by advanced AI models, it automatically generates a personalized, high-priority daily follow-up task list.

These plans align perfectly with live business scenarios, dynamically adapting to each rep’s workflow rhythm and the client’s current status. By clearly outlining daily target accounts, key actions, and milestone goals, the system completely eliminates blind follow-ups and unproductive busywork—allowing sales teams to focus 100% of their energy on high-value, deal-closing activities.

An Out-of-the-Box AI Toolkit Unlocking End-to-End Productivity

Beyond solidifying the four foundational CRM modules—Leads, Accounts, Opportunities, and Orders—Kuailu AI CRM seamlessly embeds intelligence across every operational node. It introduces 9 out-of-the-box AI Smart Tools covering acquisition, engagement, quoting, team collaboration, and pipeline management.

Case Study 1: AI Generated Quotes

Value: Deliver precise quotes in 1 minute with real-time profit visibility, preventing loss-making deals.Step 1: Upload custom quotation templates. Input applicable discounts, and the AI automatically calculates final totals, eliminating human calculation errors with template-level precision.Step 2: Deeply connected with CRM opportunity data, the system auto-populates required details from the deal pipeline with a single click—no manual typing required—generating standardized, professional quotation documents.Step 3: Export quotes directly for download or printing, unifying client-facing formats and establishing a standardized, high-efficiency quoting workflow.

Case Study 2: AI Customer Insights

Value: Generate 360-degree client intelligence reports in 10 seconds, doubling ice-breaking efficiency and turning junior reps into domain experts overnight.Step 1: Simply enter an account name to scrape comprehensive web intelligence and generate pre-visit briefing decks.Step 2: Automatically consolidate public corporate records, AI-analyzed target buyer demographics, product lines, sales channels, commercial models, and competitive landscapes.Step 3: Synthesize current industry pain points and generate 3 tailored ice-breaking conversation topics to maximize discovery call impact.

Powered by AI, Winning Digital Value Together

Evolving from a passive data repository into a self-deciding, self-executing AI Growth Engine, Kuailu AI CRM transforms software from a tedious operational burden into an indispensable business growth partner. By redefining the value of commercial platforms, Kuailu Smart Office converts raw, flowing data into actionable revenue opportunities—driving sustainable enterprise growth in the AI era.

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SOURCE Kuailu Technology

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Aulumu Introduces the A18 Series for iPhone 18: Lightweight Protection Meets Next-Gen Design

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SHENZHEN, China, Sept. 10, 2026 /PRNewswire/ — Aulumu introduces the new A18 Series, a collection of smartphone cases that brings together advanced materials, everyday protection, and distinctive design. At the heart of the lineup is the A18 Armor Shockproof Aramid Fiber Case, Aulumu’s latest take on lightweight protection.

Built with 1500D aramid fiber and TPU in a one-piece construction, the A18 Armor combines the refined texture and lightweight feel of aramid fiber with TPU’s flexibility and cushioning properties. Unlike conventional ultra-thin aramid cases, it is engineered to provide enhanced everyday drop protection while maintaining a slim profile.

Its full-wrap structure protects the phone’s edges, while reinforced corners help distribute impact from drops and bumps. The case is designed for up to 2m drop protection, with a 1.36mm raised edge around the screen and a 1.3mm raised camera frame providing additional protection for key areas.

The A18 Series also expands into a more expressive approach to aramid fiber. The A18 Ultra-Slim Gradient Aramid Fiber Case uses 800D aramid fiber with a grayscale gradient woven directly into the material, creating depth without relying on printed patterns. At just 1.2mm thick and from 26g, it maintains a minimal presence while adding a distinctive visual character.

For a more futuristic aesthetic, the A18 Ultra-Slim Pixel Aramid Fiber Case combines 1500D plain-weave aramid fiber with a UV-treated gradient particle pattern inspired by digital structures and tactical technology. It is 1.2mm thick and starts at 27g.

The collection is further complemented by the A18 Ghost Lumen Transparent Case, featuring high-transmittance PC, an IML-laminated luminous array, and a one-piece full-cover design, as well as the A18 Particle Vegan Leather in five colors.

Beyond phone cases, Aulumu also introduces the C05 FKM Sport Watch Band, combining sweat- and water-resistant FKM rubber with a lightweight titanium alloy buckle, and adds a new color to the A39 Geometric Case for AirPods Pro 3, designed to complement the latest iPhone color palette.

With the A18 Series, Aulumu continues to explore how materials, protection, and visual identity can work together in everyday carry.

About aulumu

Founded in 2022, aulumu is a design brand focused on high-performance gear, drawing inspiration from the functional aesthetics of cyberpunk and the philosophical roots of ancient Greek thought. Since its inception, the brand has launched dozens of digital accessory products, secured multiple utility and invention patents, and received the 2025 Red Dot Design Award. Today, aulumu products serve hundreds of thousands of users across more than 20 countries and regions, positioning the brand as a growing presence in the global high-performance accessories market.

For more information, visit: https://aulumu.com/, or follow aulumu on Instagram: https://www.instagram.com/aulumu_official/

 

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