Mainstream brands in Buy Now Pay Later (BNPL) in Japan include Paidy, NP Atobarai, and atone. Paidy was acquired in 2021 by the US payments giant PayPal Holdings, indicating global interest in the expanding Japanese BNPL segment.
Significant changes swept through Japan’s education curriculum in April 2022, introducing finance as a mandatory subject across elementary, junior high, and high schools. Prior to these revisions, finance education was not a focal point in Japanese schools, resulting in many adults lacking essential knowledge of financial management.
Card lending is expected to continue to record the strongest increase in gross lending in consumer credit over the forecast period in Japan, due to several key factors. Japan has a highly developed and technologically advanced financial industry, which is conducive for the expansion of card-based lending services.
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Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Japan with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Japan, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsThis report originates from Passport, our Consumer Credit research and analysis database.
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