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Consumer Credit

Market research on the consumer finance industry. Our reports fea...

Market research on the consumer finance industry. Our reports feature standardised and cross-comparable statistics including total market sizes, market share and brand share data, distribution and industry trends.

Country Report

Consumer Credit in Germany

Feb 2023

In 2022, consumer credit is set to continue to rebound in terms of gross lending value, following the significant pandemic-induced decline for both card lending and non-card lending in 2020. In particular, rising consumer confidence in taking out…

USD 1,195
Country Report

Consumer Credit in Poland

Oct 2022

Card lending remained under pressure in Poland during 2022 as consumer sentiment remained decidedly pessimistic. One major factor making credit cards less attractive is rising interest rates. Indeed, there were nine interest rate increases between…

USD 1,195
Country Report

Consumer Credit in Canada

Oct 2022

In 2022, consumer credit gross lending and the overall outstanding balance are set to increase in current value terms. The continued growth is driven by a recovery in consumer spending behaviour that has gained momentum thanks to high vaccination…

USD 1,195
Country Report

Consumer Credit in Mexico

Oct 2022

Buy Now Pay Later (BNPL) is the most relevant trend in consumer lending in Mexico in 2022. It leads growth in other personal lending by a long way, surging with double-digit rises as all others continue to decline. The year is seeing a high level of…

USD 1,195
Country Report

Consumer Credit in Vietnam

Oct 2022

The COVID-19 pandemic created significant disruption to the global economy and consumer lending. However, the impact has not been so destructive in Vietnam. Rather, in Vietnam, consumer finance companies have continued to operate with relative…

USD 1,195
Country Report

Consumer Credit in Japan

Oct 2022

Buy now pay later (BNPL) options are gaining momentum, especially amongst the younger generation, along with the growth of e-commerce and its benefits of ease of processing for payment. These options are especially valued by consumers as an…

USD 1,195
Country Report

Consumer Credit in Chile

Oct 2022

In 2021, there was a significant rebound in total gross lending in Chile, although some categories such as auto lending and durables lending remained pre-pandemic levels. The upturn was mainly due to joint support measures introduced by the…

USD 1,195
Country Report

Consumer Credit in Austria

Oct 2022

Consumer credit is being driven by increasing consumer expenditure in 2022 following the easing of pandemic-related restrictions. This is leading to the resumption of socialising, and the return of more normal shopping and travel habits. On the other…

USD 1,195
Country Report

Consumer Credit in Norway

Oct 2022

Norway is already among the leaders in terms of digitalisation and the moves towards a cashless society, as well as in Buy Now Pay Later (BNPL) implementation (over one fifth of e-commerce payments). Nonetheless, further strong growth is expected in…

USD 1,195
Country Report

Consumer Credit in Morocco

Oct 2022

Traditionally, Moroccans have been reluctant to take on consumer debt due to high interest rates. Very few of them have credit cards, for example. In a highly uncertain economic environment, the rate of growth in gross consumer credit lending slowed…

USD 1,195
Country Report

Consumer Credit in Italy

Oct 2022

Consumer credit registered marginal growth in 2022, with outstanding balance values remaining well below pre-pandemic levels. During the first year of the pandemic, consumers became more conservative with respect to new lending and expenses, as the…

USD 1,195
Country Report

Consumer Credit in Indonesia

Oct 2022

Consumer credit has succeeded in recovering quickly from the impact of COVID-19 and continues to grow consistently. Indeed, all consumer credit products are displaying growth, including housing loans/mortgages (KPR), auto loans (KKB), multipurpose…

USD 1,195
Country Report

Consumer Credit in Australia

Oct 2022

Although the Buy Now, Pay Later (BNPL) model continues to gain momentum in Australia, there are drawbacks to the system. In the current climate of high inflation following the pandemic, local consumers are more likely to rely on credit systems such…

USD 1,195
Country Report

Consumer Credit in Denmark

Oct 2022

The removal of pandemic-related restrictions is driving a strong recovery in domestic and outbound travel and tourism, which is positively influencing consumer credit. Many Danes are paying for trips using their credit cards underpinning card lending…

USD 1,195
Country Report

Consumer Credit in Singapore

Oct 2022

The pandemic caused uncertainty, and disrupted Singaporean students who planned to study abroad. Therefore, more locals opted to pursue their further education locally instead, together with help from the government. The Ministry of Education has…

USD 1,195
Country Report

Consumer Credit in India

Dec 2022

Gross consumer lending is set to record another year of double-digit current value growth in 2022, supported by the greater resumption of daily activities and more mobile lifestyles as restrictions have eased, thereby boosting consumer confidence in…

USD 1,195
Country Report

Consumer Credit in Taiwan

Oct 2022

Card lending in Taiwan is registering moderate growth in gross lending in 2022, after a decline in the previous two years. Consumers are once again spending on cards although outstanding balances continue to decline in 2022. Credit cards are not…

USD 1,195
Country Report

Consumer Credit in Portugal

Oct 2022

Consumer credit continues to recover in 2022 after the strong decline witnessed in 2020 following the outbreak of COVID-19. Nonetheless, economic instability is slowing down new contacts and limiting contracted amounts as consumers are being advised…

USD 1,195
Country Report

Consumer Credit in Peru

Oct 2022

Consumer credit is seeing significant recovery in 2022, both in gross lending and outstanding balance, with a return to pre-pandemic levels expected. This follows the negative impacts of the COVID-19 pandemic, as Peruvian consumers were more…

USD 1,195
Country Report

Consumer Credit in Nigeria

Oct 2022

In 2022, outstanding balance and gross lending continues to grow well despite the impact of the pandemic and rising inflation on the Nigerian economy. This is because of Apex Bank’s loan-to-deposit ratio (LDR) policy which stipulates that 65% of the…

USD 1,195
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