Category: Credit & Loans
Credit & Loans market research reports by Euromonitor International
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Consumer Lending in the United Kingdom
Consumer Lending in the United Kingdom In comparison with Eurozone countries, the UK economy has continued to be impacted by high inflation and the soaring cost of living in 2023. While rising electricity and gas prices drove inflation in 2022, they have been gradually decreasing in 2023, and what i ... Read More
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Consumer Lending in Egypt
Consumer Lending in Egypt Consumer credit and lending have experienced substantial growth in the past year. In March 2023, the Central Bank of Egypt reported a significant increase in consumer credit. The rise is attributed to an increase in both local and foreign currency liquidity, shifts in consu ... Read More
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Consumer Lending in the Philippines
Consumer Lending in the Philippines At the beginning of 2023, the industry anticipated a surge in consumer lending demand as Filipinos resumed spending as the country emerged out of the Coronavirus (COVID-19) pandemic. A substantial share of consumers also resorted to loans to manage their expenses. ... Read More
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Consumer Lending in Indonesia
Consumer Lending in Indonesia The consumer lending category has experienced another strong performance in Indonesia in 2023. Gross lending has shown further positive growth during the year, along similar lines to 2022. Improving economic conditions as a result of people's increased mobility since th ... Read More
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Consumer Lending in Taiwan
Consumer Lending in Taiwan In 2023, the total credit amount in Taiwan surged over the previous year. This figure has doubled since pre-pandemic levels at the end of 2019. Taiwan's financial landscape boasts a multitude of institutions holding significant liquid funds. Taiwanese consumers are increas ... Read More
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Consumer Lending in France
Consumer Lending in France Consumer lending is facing challenges in 2023, arising from the current socioeconomic environment. Indeed, as society began to recover from the impacts of the pandemic era, new factors came to play, from soaring global interest rates to the ongoing Russia-Ukraine war, whic ... Read More
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Consumer Credit in Vietnam
Consumer Credit in Vietnam The biggest story in consumer lending in 2023 is the issuing of the new Circular by the State Bank of Vietnam, to promote consumer lending for daily needs. To encourage banks to increase their lending activities, including consumer lending, the State Bank issued Circular N ... Read More
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Consumer Credit in France
Consumer Credit in France Consumer credit is facing challenges in 2023, due to the uncertainty of the overall economic context. Negative influencing factors include high inflation, geopolitical unrest concerning the ongoing Russia-Ukraine war, and, in light of this situation, a degree of consumer ca ... Read More
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Consumer Credit in Brazil
Consumer Credit in Brazil In June 2023, the percentage of households carrying outstanding debts in Brazil rose by a 0.2 percentage point, reaching a total of 78.5%, the highest level since November 2022. Among these households, 18.5% considered themselves heavily burdened with debt, marking the high ... Read More
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Consumer Lending in Brazil
Consumer Lending in Brazil Brazilians are well-acquainted with dividing payments into instalments, a practice prevalent in both traditional retail credit (known as ""crediário"") and credit card payments. The compounding effects of inflation, a challenging job market, and reduced consumer purchasing ... Read More
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Consumer Lending in Japan
Consumer Lending in Japan Consumer lending in Japan is growing in 2023 in line with demand for greater convenience and easy access to lending services, mainly due to more services being accessed online. New emerging players, such as LINE Pocket Money by LINE Credit Corporation and Merpay Smart Money ... Read More
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Consumer Lending in Australia
Consumer Lending in Australia The major talking point of 2023 from a consumer lending point of view has been the increase in interest rates over the year as a result of the RBA (Reserve Bank of Australia) attempting to address high inflation rates. Due to higher interest rates, outstanding balance h ... Read More
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Consumer Credit in South Africa
Consumer Credit in South Africa Demand for consumer credit gross lending is set to continue to increase in 2023, despite the South African Reserve Bank’s consecutive rises in interest rates to stabilise inflationary pressures. This trend has been driven mainly by declining disposable incomes across ... Read More
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Consumer Lending in Spain
Consumer Lending in Spain The costs of households have continued to rise across the board in 2023 due to the change in tone of the monetary policy of the European Central Bank, which increased interest rates four times during 2022 and 2023, resulting in rising interest rates on mortgages and consume ... Read More
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Consumer Credit in Spain
Consumer Credit in Spain Buy now pay later (BNPL) continues to grow in popularity, particularly among young adults, and there is a notable shift to BNPL loans. A significant number of financial services providers have launched their own BNPL programmes, including Banco Santander, CaixaBank and BBVA, ... Read More
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World Market for Consumer Finance
World Market for Consumer Finance The world market for consumer finance continues to see card and electronic payment value grow for consumers around the world as consumer confidence strengthens. Card payment value growth over the forecast period is expected to be driven by credit card functions whil ... Read More
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Embedded Finance Driving Growth of Digital Ecosystem: Part II - Key Products
Embedded Finance Driving Growth of Digital Ecosystem: Part II - Key Products From a product perspective, embedded payment market competition has been intensified with digital players, which are challenging the card operators. For deposit and lending, leading banks such as Goldman Sachs and CIMB have ... Read More
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Elevating Engagement: The Loyalty Landscape in Asia Pacific
Elevating Engagement: The Loyalty Landscape in Asia Pacific Asia Pacific is a region characterised by diverse economies, cultures and demographics. In such an environment, loyalty programmes need to be crafted to meet local consumers’ preferences. Asia Pacific is facing a turning point where it can ... Read More
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Consumer Credit in South Africa
Consumer Credit in South Africa Turley has one of the highest inflation rates in the world in 2022, with fears it could even reach triple-digits. Unlike most other countries, this soaring inflation had already been triggered prior to the energy crisis arising from the war in Ukraine. The lira’s dram ... Read More
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Consumer Lending in the Netherlands
Consumer Lending in the Netherlands Gross lending continues to grow in 2022 driven by non-card lending and mortgages although the rate of growth was lower than the previous year. Consumers are able to get more loan applications approved due to greater income stability and improved levels of househol ... Read More
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Consumer Credit in the Netherlands
Consumer Credit in the Netherlands The report provides a global overview of production, consumption and prices of rice. After a relatively stable 2021, the rice market is registering uncertainty in 2022. China and India remained the key producers of the commodity, however, extreme weather in 2022 as ... Read More
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Consumer Lending in France
Consumer Lending in France 2022 is seeing ongoing recovery in consumer lending, which is mainly attributed to the now near absence of pandemic restrictions (for example, no more lockdowns), alongside an ongoing rebound in non-grocery purchases, primarily electronic and consumer appliances, home and ... Read More
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Consumer Credit in France
Consumer Credit in France Consumer credit and, particularly, card lending have gotten off to good starts in 2022. Despite a modest increase in outstanding balances, gross card lending is seeing positive factors to growth following the disruptions seen during the time of the COVID-19 pandemic and ass ... Read More
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Consumer Lending in the Czech Republic
Consumer Lending in the Czech Republic There are positive dynamics in the consumer lending landscape despite the rapid interest rates increase. This is largely due to Czech people making the large-scale purchases that they postponed during the first two years of the pandemic when they were under gre ... Read More
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Trends and Outlook for BNPL
Trends and Outlook for BNPL Buy now, pay later (BNPL) lending has rapidly become one of the more popular lending formats in recent years. Instalment billing is growing, with a variety of formats, players and industries. Payments players have been quick to jump on the bandwagon, but already signs of ... Read More
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