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Consumer preference for credit cards or Buy Now, Pay Later (BNPL) options during holiday shopping worldwide in 2022, by country

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Sources

Release date

November 2022

Region

Worldwide

Survey time period

October to November 2022

Number of respondents

17,390 (1,000 per country)

Age group

18 to 76 years

Special properties

Consumers; Includes both both Klarna users and non-Klarna users

Supplementary notes

This question was phrased as follows: "If you were to pay in installments for your holiday shopping, would you prefer to split your purchase using a credit card or with an interest-free 'Buy Now, Pay Later' service?"

The source specifies that the sample sizes are nationally representative. The total number of respondents amounted to 17,390, and a minimum of 1,000 respondents for each country was included.

Date of release is date of access.

Citation formats

Consumer interest in BNPL and credit cards during holiday shopping worldwide 2022

Published by ÌÇÐÄÆƽâ°æ Research Department, Apr 26, 2024

Demand for interest-free BNPL options for holiday shopping is higher than that of credit cards for 16 out of 17 surveyed countries. This according to a 2022 survey submitted by Klarna - although it states the consumers asked included both users and non-users of this particular buy now, pay later app. On average, ** percent of global consumers preferred BNPL in comparison to a quarter of consumers who said they would opt for credit cards. Several things should be noted, however. First, the question specifically asked for "interest-free" BNPL. Second, Klarna is especially used in Europe as opposed to other parts of the world, whilst the use of credit cards is relatively uncommon in Europe.

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