Finland Buy Now Pay Later Business Report 2025: Payments to Grow by 11.9% to Reach $3.78 Billion this Year, Driven by Klarna, Afterpay, Paypal, Revolut, Viabill, Smoothie, Billie - Forecast to 2030
The BNPL payment market in Finland is expected to grow by 11.9% on annual basis to reach US$3.78 billion in 2025. The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 19.6%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.4% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 3.37 billion to approximately USD 5.66 billion.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Finland, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
The BNPL market in Finland continues to evolve, driven by sustainability, digital trust, and deep integration with advanced fintech ecosystems. Major platforms such as Verkkokauppa and Zalando cater to eco-conscious consumers, offering financing options for high-cost, environmentally friendly purchases, including energy-efficient appliances and home improvements. Finnish fintech leaders like OP Financial Group and Klarna emphasize regulatory compliance, transparency, and responsible lending, enhancing consumer trust and adoption.
Sustainability-Driven BNPL Growth
Finnish consumers are among Europe's most eco-conscious, prompting BNPL providers to offer green financing options. Verkkokauppa, for instance, provides installment plans for products such as solar panels and EV chargers.
BNPL market is expanding into eco-friendly sectors such as renewable energy, supporting Finland's sustainability-driven consumption patterns.
Integration with Digital Ecosystems
Providers like OP Financial and Klarna embed BNPL options within banking apps, offering seamless integration for secure payment management. This partnership approach strengthens adoption by leveraging established digital ecosystems.
Innovations such as customizable installment terms and transparent repayment conditions foster trust in digital financial services.
Omnichannel Growth in Retail
Offline BNPL adoption is growing, particularly in sectors like home improvement and healthcare. Retailers such as Gigantti and IKEA Finland have integrated BNPL to enhance the shopping experience for big-ticket purchases.
Providers aim to offer consistent payment experiences across online and physical stores, reflecting evolving consumer preferences for flexible spending.
Resilient Market Dynamics
Unlike markets facing high inflation, Finland's BNPL sector benefits from stable financial conditions. In 2024, moderate inflation of around 2% prompted cautious spending, but high standards of living continue to support discretionary purchases through BNPL.
Consumers increasingly use BNPL as a budgeting tool, spreading payments for high-value goods without incurring interest.
Strengthened Consumer Protection
BNPL services in Finland are classified as credit products and must comply with strict EU-aligned regulations. Providers are required to ensure transparency on repayment terms and fees, fostering consumer trust and market stability.
Providers adhere to the General Data Protection Regulation (GDPR), safeguarding customer data and maintaining trust in digital transactions.
Diversification Across Sectors
BNPL providers are investing in green financing solutions, supporting the installation of renewable energy systems in residential properties.
New BNPL services for wellness and medical expenses are gaining traction, offering installment plans for elective surgeries, dental care, and other healthcare services.
Competitive Landscape and 2024 Developments
Local players such as OP Financial Group and Klarna dominate the market through partnerships with major retailers. New entrants, including PayPal Credit, are expanding their reach via collaborations with e-commerce platforms.
In early 2024, Klarna introduced AI-powered personalization for BNPL services, enhancing user engagement with tailored repayment plans. OP Financial launched a healthcare-focused BNPL solution in collaboration with private medical providers.
Providers prioritize forming alliances over mergers to strengthen distribution networks and expand into non-retail sectors such as education and travel.
Outlook for the Next 2-4 Years
BNPL providers will likely invest in AI to refine credit scoring and offer personalized payment solutions, boosting long-term customer engagement.
Increased focus on green financing and healthcare will drive diversification. Providers that adapt to sustainability goals are expected to maintain a competitive edge.
As regulations evolve, market players must balance compliance with innovation to navigate Finland's stringent consumer protection landscape.
Key Attributes:
Report Attribute Details
No. of Pages 88
Forecast Period 2025 - 2030
Estimated Market Value (USD) in 2025 $3.78 Billion
Forecasted Market Value (USD) by 2030 $5.66 Billion
Compound Annual Growth Rate 8.4%
Regions Covered Finland
Scope
Finland Buy Now Pay Later Market Share Analysis by Key Players
Klarna
Afterpay
Paypal
Revolut
Viabill
Smoothie
Billie
Finland BNPL Market Size and Spending Pattern
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later Revenue Analysis
Buy Now Pay Later Revenues
Buy Now Pay Later Share by Revenue Segments
Buy Now Pay Later Revenue by Merchant Commission
Buy Now Pay Later Revenue by Missed Payment Fee Revenue
Buy Now Pay Later Revenue by Pay Now & Other Income
Finland Buy Now Pay Later Operational KPIs & Statistics
Buy Now Pay Later Active Consumer Base
Buy Now Pay Later Bad Debt
Finland BNPL by Purpose
Convenience - Short Term Loans
Credit - Long Term Loans
Finland BNPL by Business Model
Two-Party (BNPL offered by retailers)
Three-Party BNPL Offering
Finland BNPL by Merchant Ecosystem
Open Loop System
Closed Loop System
Finland BNPL by Distribution Model Analysis
Standalone
Banks & Payment Service Providers
Marketplaces
Finland BNPL Analysis by Channel
Online Channel
POS Channel
Finland Buy Now Pay Later in Retail Shopping: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Home Improvement: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Travel: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Media and Entertainment: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Services: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Automotive: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later in Others: Market Size and Forecast
Gross Merchandise Value Trend Analysis
Average Value Per Transaction Trend Analysis
Transaction Volume Trend Analysis
Finland Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
Sales Uplift by Product Category
Share by Age Group
Share by Income
Share by Gender
Adoption Rationale
Monthly Expense Segments
For more information about this report visit https://www.researchandmarkets.com/r/pqpy0p
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PUB: 02/28/2025 10:20 AM/DISC: 02/28/2025 10:19 AM
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