Klarna tab tom tham txog kev nce nyiaj los ntawm kev txo qis rau nws qhov kev ntsuas zaum kawg, raws li tsab ntawv ceeb toom los ntawm Wall Street Journal. Tus cev lus rau lub tuam txhab tau hais tias nws tsis hais txog "kev kwv yees."
Jakub Porzycki | NurPhoto ntawm Getty Dluab
Nrog hype dhau qhov "yuav tam sim no, them tom qab" sib txawv fading, qee cov tub ua lag luam tau twv lawv tau pom qhov loj tom ntej.
Yuav tam sim no, them tom qab cov tuam txhab xws li Klarna thiab Lag Luam, uas tso cai rau cov neeg yuav khoom ncua sij hawm them nyiaj rau hnub tom qab lossis rhuav tshem kev yuav khoom rau hauv cov nyiaj tsis muaj paj laum, tab tom muaj kev ntxhov siab loj vim cov neeg siv khoom tau ceev faj txog kev siv nyiaj vim kev nce nqi ntawm kev nyob, thiab cov paj laum ntau dua nce nqi qiv. Lawv kuj ntsib nce kev sib tw, nrog tech loj heev Kua nkag mus rau lub nplhaib nrog nws tus kheej BNPL muab.
Tab sis venture capitalists yog betting ib tug tshiab yug ntawm startups los ntawm cov teb chaws Europe yuav yog tus yeej tiag tiag nyob rau hauv qhov chaw. Cov tuam txhab xws li Mondu, Hokodo thiab Billie tau raked nyob rau hauv heaps ntawm cov nyiaj ntsuab los ntawm cov tub ua lag luam nrog ib tug yooj yim pitch: kev lag luam - tsis yog cov neeg siv khoom - yog ib tug ntau lucrative clientele rau qhov yuav tam sim no, them tom qab sib.
Malte Huffman, co-CEO ntawm Mondu, uas yog Berlin-based startup tau hais tias "Muaj lub sijhawm loj nyob rau ntawd hais txog 'yuav tam sim no, them nyiaj tom qab' rau B2B [kev lag luam-rau-kev lag luam] chaw,"
Huffman, uas nws lub tuam txhab tsis ntev los no tau nce $ 43 lab nyiaj los ntawm cov tub ua lag luam suav nrog Silicon Valley billionaire Peter Thiel Valar Ventures, kwv yees kev ua lag luam rau BNPL hauv B2B kev lag luam hauv Tebchaws Europe thiab Asmeskas yuav ncav cuag $ 200 nphom hauv ob peb xyoos tom ntej no.
Thaum cov kev pabcuam zoo li Klarna txuas ntxiv credit rau cov neeg siv khoom yuav khoom - hais tias, ib khub tshiab ntawm cov ris tsho lossis lub suab hais lus - B2B BNPL cov tuam txhab tsom mus rau kev sib pauv ntawm kev lag luam. Nws txawv rau lwm cov ntaub ntawv uas twb muaj lawm ntawm cov nyiaj txiag luv luv xws li kev qiv nyiaj ua haujlwm, uas them rau cov tuam txhab 'cov nqi ua haujlwm txhua hnub, thiab cov nqi them nqi, qhov twg lub tuam txhab muag tag nrho, lossis ib feem, ntawm daim nqi rau lawv cov neeg siv khoom kom nkag mus tau sai dua cov nyiaj ntsuab. lawv tshuav nuj nqi.
Ib tiam tshiab ntawm BNPL start-ups
| LUB TEB CHAWS | TAG NRHO VC FUNDING RAISED | |
| scalapay | Ltalis | $ 727.5M |
| Billie | Lub teb chaws Yelemees | $ 146M |
| Player | United Kingdom | $ 58.4M |
| Hokodo | United Kingdom | $ 56.9M |
| Mondu | Lub teb chaws Yelemees | $ 56.9M |
| Treyd | Sweden | $ 12.3M |
Tau qhov twg los: Crunchbase
Patrick Norris, tus koom tes dav dav ntawm lub tuam txhab kev ncaj ncees ntiag tug Notion Capital, tau hais tias kev ua lag luam rau B2B BNPL yog "loj" ntau dua li kev lag luam-rau-cov neeg siv khoom, lossis B2C. Kev xav tsis ntev los no tau coj $ 40 lab peev hauv Hokodo, B2B BNPL tuam txhab raws li UK
Norris tau hais tias "Qhov nruab nrab pob tawb loj hauv B2B yog qhov loj dua li qhov nruab nrab cov neeg siv khoom pob tawb," Norris hais, ntxiv qhov no ua rau nws yooj yim dua rau cov tuam txhab los tsim cov nyiaj tau los thiab ua tiav.
'B2C' players poob siab
Sweden's Klarna tab tom tham txog kev nce nyiaj ntawm tus nqi luv nqi rau nws qhov kev ntsuas zaum kawg, raws li tsab ntawv ceeb toom los ntawm Phab ntsa Street Journal - nqis mus rau $ 15 nphom los ntawm $ 46 nphom hauv xyoo 2021. Ib tus kws tshaj lij ntawm Klarna tau hais tias lub tuam txhab tsis hais txog "kev kwv yees."
Stateside, pej xeem-listed fintech Lag Luam tau pom nws cov Tshuag poob ntau dua 75% txij li thaum pib ntawm lub xyoo, thaum cov khoom ntawm Thaiv, uas yuav Australian BNPL tuam txhab Afterpay rau $29 billion, tau poob 57%. PayPal, uas muaj nws tus kheej cov nyiaj qiv nyiaj qiv, yog nqis 60% xyoo-rau-hnub.
BNPL tau tawm mus rau tus kabmob coronavirus, muab cov neeg yuav khoom txoj hauv kev yooj yim los faib cov nyiaj them rau hauv me me nrog tsuas yog ob peb nyem ntawm cov khw muag khoom 'cov nplooj ntawv checkout. Tam sim no, cov lag luam tau txais nyob rau hauv tus qauv.
"Kev lag luam tseem tab tom ntsib teeb meem nyiaj txiag los ntawm qhov teeb meem ntawm kev lag luam macroeconomic zuj zus thiab cov teeb meem kev lag luam tsis tu ncua, yog li txhua txoj hauv kev tau txais nyiaj sai dua ntawm lub hauv paus hloov pauv yuav rov hais dua," Philip Benton, tus kws tshuaj ntsuam fintech ntawm kev lag luam tshawb fawb tuam txhab Omdia.
Mondu thiab Hodoko tsis tau tshaj tawm lawv qhov kev ntsuas rau pej xeem, tab sis Scalapay thiab Billie, ob lub tuam txhab B2B BNPL los ntawm Ltalis, tau raug nqi kawg ntawm $ 1 billion thiab $ 640 lab, raws li.
Cov kev pabcuam BNPL tau ua pov thawj tshwj xeeb nrog rau cov lag luam me thiab nruab nrab, uas kuj yog hnov lub pinch los ntawm kev nce nyiaj txiag. SMEs tau ntev tau "tsis txaus" los ntawm cov tsev txhab nyiaj loj, raws li Mondu tus thawj coj Huffman.
"Lub tsev txhab nyiaj tsis tuaj yeem nqis mus rau hauv daim pib loj los ua kom nws pheej yig vim tias cov nyiaj tau los uas lawv yuav tau txais nrog cov nyiaj qiv no tsis them cov nqi cuam tshuam," nws hais.
"Tam sim no, cov tuam txhab fintech tau ua pov thawj tias ntau cov ntaub ntawv-tsav mus kom ze thiab kev siv tshuab ntau dua rau kev qiv nyiaj tuaj yeem ua rau nws ua haujlwm thiab nthuav dav lub lag luam chaw nyob."
Kev poob nyiaj txiag txaus ntshai
UK muaj coj tus nqi nyob rau hauv kev tswj hwm pem hauv ntej, nrog rau tsoomfwv cov neeg ua haujlwm vam tias yuav coj cov kev cai nruj dua rau kev lag luam thaum ntxov xyoo 2023. Tseem, Norris tau hais tias cov tuam txhab lag luam tsom mus rau BNPL cov tuam txhab muaj kev pheej hmoo tsawg dua li cov tuam txhab xws li Klarna.
Nws tau hais tias "Txoj cai hauv B2C yuav muab kev tiv thaiv ntau yam rau cov neeg siv khoom thiab pab lawv mus yuav khoom ntse thiab tsis tshuav nuj nqis," nws hais. "Nyob rau hauv B2B, kev pheej hmoo ntawm kev lag luam overspending ntawm cov khoom uas lawv tsis xav tau yog qhov tsis txaus ntseeg."
Ib yam uas B2B cov neeg ua si yuav tsum tau ceev faj txog, txawm li cas los xij, yog theem ntawm kev pheej hmoo lawv tau ua. Nrog rau qhov muaj peev xwm poob qis ntawm lub qab ntug, qhov kev sib tw loj rau B2B BNPL kev pib ua lag luam yuav txhawb nqa kev loj hlob siab thaum tseem tab tom npaj rau cov nyiaj poob haujlwm, Norris tau hais.
"B2B feem ntau yuav yog tus nqi siab, ntim qis yog li ib txwm muaj kev pheej hmoo qab los noj mov yuav siab dua thiab kev kuaj xyuas nyiaj txiag tseem ceeb dua," Omdia's Benton tau hais.
Tau qhov twg los: https://www.cnbc.com/2022/06/28/forget-klarna-investors-bet-new-startups-will-in-buy-now-pay-later.html