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*As the coronavirus disease (COVID-19) crisis takes over the world, we are continuously tracking the changes in the markets, as well as the purchase behaviours of the consumers globally and our estimates about the latest market trends and forecasts are being done after considering the impact of this pandemic.

Consumer Credit Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2020-2025

The global consumer credit market is currently experiencing healthy growth. Consumer credit refers to short- and intermediate-term personal loans that are taken by individuals to finance the purchase of commodities and services for personal consumption. A finance fee is charged for the sanction of credit or the extension of existing credit that can be presented in the form of a cash loan or by a seller in the form of sales credit. They are commonly available in the form of non-revolving loans that are repaid in a specific number of payments and revolving loans that include automobile, consumer good, home repair and personal loans.

Significant growth in the banking, financial services and insurance (BFSI) industry is one of the key factors creating a positive outlook for the market. Furthermore, high economic growth for micro-enterprises, especially in developing nations, is also providing a boost to the market growth. Banks and other financial institutions are investing in micro, small and medium enterprises (MSMEs) to minimize the credit gap with local vendors. Additionally, consumer banking professionals are adopting credit data that deals with the information related to cash flows and analytics at the portfolio level. Credit data in such instances aids in managing individual credit cases, real-time pricing and capital management of multi-asset portfolios and minimizing firm-wide risks through consistency, automation, and transparency. Moreover, the increasing use of social media platforms by consumer credit agencies for better market connectivity and penetration is contributing to the market growth. These platforms aid in expanding the consumer base, launching media campaigns, and conducting new product launches. Looking forward, IMARC Group expects the global consumer credit market to register moderate growth during 2020-2025.

Breakup by Credit Type:

  • Revolving Credits
  • Non-revolving Credits
     

Breakup by Consumer Type:

  • Individual
  • MSMEs
  • Large Enterprises
     

Breakup by Service Type:

  • Credit Services
  • Software and IT Support Services
     

Breakup by Issuer:

  • Banks and Finance Companies
  • Credit Unions
  • Others
     

Breakup by Payment Method:

  • Direct Deposit
  • Debit Card
  • Others
     

Breakup by Region:

  • North America
    • United States
    • Canada
  • Asia Pacific
    • China
    • Japan
    • India
    • South Korea
    • Australia
    • Indonesia
    • Others
  • Europe
    • Germany
    • France
    • United Kingdom
    • Italy
    • Spain
    • Russia
    • Others
  • Latin America
    • Brazil
    • Mexico
    • Others
  • Middle East and Africa
     

Competitive Landscape:

The report has also analysed the competitive landscape of the market with some of the key players being Bank of America, Barclays, BNP Paribas, China Construction Bank, Citigroup, Deutsche Bank, HSBC, Industrial and Commercial Bank of China (ICBC), JPMorgan Chase, Mitsubishi UFJ Financial, Wells Fargo, etc.

Key Questions Answered in This Report:

  • How has the global consumer credit market performed so far and how will it perform in the coming years?
  • What are the key regional markets?
  • What has been the impact of COVID-19 on the global consumer credit market?
  • What is the breakup of the market based on the credit type?
  • What is the breakup of the market based on the consumer type?
  • What is the breakup of the market based on the service type?
  • What is the breakup of the market based on the issuer?
  • What is the breakup of the market based on the payment method?
  • What are the various stages in the value chain of the industry?
  • What are the key driving factors and challenges in the industry?
  • What is the structure of the global consumer credit market and who are the key players?
  • What is the degree of competition in the industry?

1    Preface
2    Scope and Methodology 

    2.1    Objectives of the Study
    2.2    Stakeholders
    2.3    Data Sources
        2.3.1    Primary Sources
        2.3.2    Secondary Sources
    2.4    Market Estimation
        2.4.1    Bottom-Up Approach
        2.4.2    Top-Down Approach
    2.5    Forecasting Methodology
3    Executive Summary
4    Introduction

    4.1    Overview
    4.2    Key Industry Trends
5    Global Consumer Credit Market
    5.1    Market Overview
    5.2    Market Performance
    5.3    Impact of COVID-19
    5.4    Market Forecast
6    Market Breakup by Credit Type
    6.1    Revolving Credits
        6.1.1 Market Trends
        6.1.2 Market Forecast
    6.2    Non-revolving Credits
        6.2.1 Market Trends
        6.2.2 Market Forecast 
7    Market Breakup by Consumer Type
    7.1    Individual
        7.1.1 Market Trends
        7.1.2 Market Forecast
    7.2    MSMEs
        7.2.1 Market Trends
        7.2.2 Market Forecast 
    7.3    Large Enterprises
        7.3.1 Market Trends
        7.3.2 Market Forecast
8    Market Breakup by Service Type
    8.1    Credit Services
        8.1.1 Market Trends
        8.1.2 Market Forecast
    8.2    Software and IT Support Services
        8.2.1 Market Trends
        8.2.2 Market Forecast 
9    Market Breakup by Issuer
    9.1    Banks and Finance Companies
        9.1.1 Market Trends
        9.1.2 Market Forecast
    9.2    Credit Unions
        9.2.1 Market Trends
        9.2.2 Market Forecast 
    9.3    Others
        9.3.1 Market Trends
        9.3.2 Market Forecast
10    Market Breakup by Payment Method
    10.1    Direct Deposit
        10.1.1 Market Trends
        10.1.2 Market Forecast
    10.2    Debit Cards
        10.2.1 Market Trends
        10.2.2 Market Forecast 
    10.3    Others
        10.3.1 Market Trends
        10.3.2 Market Forecast
11    Market Breakup by Region
    11.1    North America
        11.1.1 United States
           11.1.1.1 Market Trends
           11.1.1.2 Market Forecast
        11.1.2 Canada
           11.1.2.1 Market Trends
           11.1.2.2 Market Forecast
    11.2    Asia Pacific
        11.2.1 China
           11.2.1.1 Market Trends
           11.2.1.2 Market Forecast
        11.2.2 Japan
           11.2.2.1 Market Trends
           11.2.2.2 Market Forecast
        11.2.3 India
           11.2.3.1 Market Trends
           11.2.3.2 Market Forecast
        11.2.4 South Korea
           11.2.4.1 Market Trends
           11.2.4.2 Market Forecast
        11.2.5 Australia
           11.2.5.1 Market Trends
           11.2.5.2 Market Forecast
        11.2.6 Indonesia
           11.2.6.1 Market Trends
           11.2.6.2 Market Forecast
        11.2.7 Others
           11.2.11.1 Market Trends
           11.2.11.2 Market Forecast
    11.3    Europe
        11.3.1 Germany
           11.3.1.1 Market Trends
           11.3.1.2 Market Forecast
        11.3.2 France
           11.3.2.1 Market Trends
           11.3.2.2 Market Forecast
        11.3.3 United Kingdom
           11.3.3.1 Market Trends
           11.3.3.2 Market Forecast
        11.3.4 Italy
           11.3.4.1 Market Trends
           11.3.4.2 Market Forecast
        11.3.5 Spain
           11.3.5.1 Market Trends
           11.3.5.2 Market Forecast
        11.3.6 Russia
           11.3.6.1 Market Trends
           11.3.6.2 Market Forecast
        11.3.7 Others
           11.3.11.1 Market Trends
           11.3.11.2 Market Forecast
    11.4    Latin America
        11.4.1 Brazil
           11.4.1.1 Market Trends
           11.4.1.2 Market Forecast
        11.4.2 Mexico
           11.4.2.1 Market Trends
           11.4.2.2 Market Forecast
        11.4.3 Others
           11.4.3.1 Market Trends
           11.4.3.2 Market Forecast
    11.5    Middle East and Africa
        11.5.1 Market Trends
        11.5.2 Market Breakup by Country
        11.5.3 Market Forecast
12    SWOT Analysis
    12.1    Overview
    12.2    Strengths
    12.3    Weaknesses
    12.4    Opportunities
    12.5    Threats
13      Value Chain Analysis
14    Porters Five Forces Analysis

    14.1    Overview
    14.2    Bargaining Power of Buyers
    14.3    Bargaining Power of Suppliers
    14.4    Degree of Competition
    14.5    Threat of New Entrants
    14.6    Threat of Substitutes
15    Competitive Landscape
    15.1    Market Structure
    15.2    Key Players
    15.3    Profiles of Key Players
        15.3.1    Bank of America
           15.3.1.1 Company Overview
           15.3.1.2 Product Portfolio
           15.3.1.3 Financials
           15.3.1.4 SWOT Analysis
        15.3.2    Barclays
           15.3.2.1 Company Overview
           15.3.2.2 Product Portfolio
           15.3.2.3 Financials
           15.3.2.4 SWOT Analysis
        15.3.3    BNP Paribas
           15.3.3.1 Company Overview
           15.3.3.2 Product Portfolio
           15.3.3.3 Financials
           15.3.3.4 SWOT Analysis
        15.3.4    China Construction Bank
           15.3.4.1 Company Overview
           15.3.4.2 Product Portfolio 
           15.3.4.3 Financials
           15.3.4.4 SWOT Analysis 
        15.3.5    Citigroup
           15.3.5.1 Company Overview
           15.3.5.2 Product Portfolio
           15.3.5.3 Financials
           15.3.5.4 SWOT Analysis
        15.3.6    Deutsche Bank
           15.3.6.1 Company Overview
           15.3.6.2 Product Portfolio
           15.3.6.3 Financials
           15.3.6.4 SWOT Analysis
        15.3.7    HSBC
           15.3.7.1 Company Overview
           15.3.7.2 Product Portfolio
           15.3.7.3 Financials
           15.3.7.4 SWOT Analysis
        15.3.8    Industrial and Commercial Bank of China (ICBC)
           15.3.8.1 Company Overview
           15.3.8.2 Product Portfolio
           15.3.8.3 Financials
           15.3.8.4 SWOT Analysis
        15.3.9    JPMorgan Chase
           15.3.9.1 Company Overview
           15.3.9.2 Product Portfolio
           15.3.9.3 Financials
           15.3.9.4 SWOT Analysis
        15.3.10    Mitsubishi UFJ Financial
           15.3.10.1 Company Overview
           15.3.10.3 Financials
           15.3.10.4 SWOT Analysis
        15.3.11    Wells Fargo
           15.3.11.1 Company Overview
           15.3.11.2 Product Portfolio
           15.3.11.3 Financials
           15.3.11.4 SWOT Analysis

List of Figures

Figure 1: Global: Consumer Credit Market: Major Drivers and Challenges
Figure 2: Global: Consumer Credit Market: Sales Value (in Billion US$), 2014-2019
Figure 3: Global: Consumer Credit Market: Breakup by Credit Type (in %), 2019
Figure 4: Global: Consumer Credit Market: Breakup by Consumer Type (in %), 2019
Figure 5: Global: Consumer Credit Market: Breakup by Service Type (in %), 2019
Figure 6: Global: Consumer Credit Market: Breakup by Issuer (in %), 2019
Figure 7: Global: Consumer Credit Market: Breakup by Payment Method (in %), 2019
Figure 8: Global: Consumer Credit Market: Breakup by Region (in %), 2019
Figure 9: Global: Consumer Credit Market Forecast: Sales Value (in Billion US$), 2020-2025
Figure 10: Global: Consumer Credit (Revolving Credits) Market: Sales Value (in Million US$), 2014 & 2019
Figure 11: Global: Consumer Credit (Revolving Credits) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 12: Global: Consumer Credit (Non-revolving Credits) Market: Sales Value (in Million US$), 2014 & 2019
Figure 13: Global: Consumer Credit (Non-revolving Credits) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 14: Global: Consumer Credit (Individual) Market: Sales Value (in Million US$), 2014 & 2019
Figure 15: Global: Consumer Credit (Individual) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 16: Global: Consumer Credit (MSMEs) Market: Sales Value (in Million US$), 2014 & 2019
Figure 17: Global: Consumer Credit (MSMEs) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 18: Global: Consumer Credit (Large Enterprises) Market: Sales Value (in Million US$), 2014 & 2019
Figure 19: Global: Consumer Credit (Large Enterprises) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 20: Global: Consumer Credit (Credit Services) Market: Sales Value (in Million US$), 2014 & 2019
Figure 21: Global: Consumer Credit (Credit Services) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 22: Global: Consumer Credit (Software and IT Support Services) Market: Sales Value (in Million US$), 2014 & 2019
Figure 23: Global: Consumer Credit (Software and IT Support Services) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 24: Global: Consumer Credit (Banks and Finance Companies) Market: Sales Value (in Million US$), 2014 & 2019
Figure 25: Global: Consumer Credit (Banks and Finance Companies) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 26: Global: Consumer Credit (Credit Unions) Market: Sales Value (in Million US$), 2014 & 2019
Figure 27: Global: Consumer Credit (Credit Unions) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 28: Global: Consumer Credit (Others) Market: Sales Value (in Million US$), 2014 & 2019
Figure 29: Global: Consumer Credit (Others) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 30: Global: Consumer Credit (Direct Deposit) Market: Sales Value (in Million US$), 2014 & 2019
Figure 31: Global: Consumer Credit (Direct Deposit) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 32: Global: Consumer Credit (Debit Card) Market: Sales Value (in Million US$), 2014 & 2019
Figure 33: Global: Consumer Credit (Debit Card) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 34: Global: Consumer Credit (Others) Market: Sales Value (in Million US$), 2014 & 2019
Figure 35: Global: Consumer Credit (Others) Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 36: North America: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 37: North America: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 38: United States: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 39: United States: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 40: Canada: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 41: Canada: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 42: Asia Pacific: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 43: Asia Pacific: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 44: China: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 45: China: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 46: Japan: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 47: Japan: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 48: India: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 49: India: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 50: South Korea: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 51: South Korea: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 52: Australia: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 53: Australia: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 54: Indonesia: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 55: Indonesia: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 56: Others: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 57: Others: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 58: Europe: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 59: Europe: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 60: Germany: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 61: Germany: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 62: France: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 63: France: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 64: United Kingdom: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 65: United Kingdom: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 66: Italy: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 67: Italy: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 68: Spain: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 69: Spain: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 70: Russia: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 71: Russia: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 72: Others: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 73: Others: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 74: Latin America: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 75: Latin America: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 76: Brazil: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 77: Brazil: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 78: Mexico: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 79: Mexico: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 80: Others: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 81: Others: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 82: Middle East and Africa: Consumer Credit Market: Sales Value (in Million US$), 2014 & 2019
Figure 83: Middle East and Africa: Consumer Credit Market Forecast: Sales Value (in Million US$), 2020-2025
Figure 84: Global: Consumer Credit Industry: SWOT Analysis
Figure 85: Global: Consumer Credit Industry: Value Chain Analysis
Figure 86: Global: Consumer Credit Industry: Porter’s Five Forces Analysis

List of Tables

Table 1: Global: Consumer Credit Market: Key Industry Highlights, 2019 and 2025
Table 2: Global: Consumer Credit Market Forecast: Breakup by Credit Type (in Million US$), 2020-2025
Table 3: Global: Consumer Credit Market Forecast: Breakup by Consumer Type (in Million US$), 2020-2025
Table 4: Global: Consumer Credit Market Forecast: Breakup by Service Type (in Million US$), 2020-2025
Table 5: Global: Consumer Credit Market Forecast: Breakup by Issuer (in Million US$), 2020-2025
Table 6: Global: Consumer Credit Market Forecast: Breakup by Payment Method (in Million US$), 2020-2025
Table 7: Global: Consumer Credit Market Forecast: Breakup by Region (in Million US$), 2020-2025
Table 8: Global: Consumer Credit Market Structure
Table 9: Global: Consumer Credit Market: Key Players

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