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Božićno I Novogodišnje vrijeme povećava BNPL kupnju

  • 5. 1. 2022.
  • 3 minutes of reading

Christmas and New Year period is the real harvest for shops and e-shops. With a lot of purchases, new sales methods come to the market as installment sale purchasing which many people take advantage of the opportunity of

The study from the U.S. market says that BNPL's popularity grew by almost 50% in 2021 compared with 2020. That´s quite a big number to start to care about this method. Since that's one of the processes which we cover with our OneCore Apps, we decided to describe the topic closer to you.

What is installment sale management about?

The installment sale method allows the buyer to make regular payments, or installments, on an annual basis, instead of paying the whole amount at one time. You need to count on the interest if installment payments are to be made in subsequent taxation years. The method is also known as BNPL = Buy now, pay later.

It is useful for lowering taxes from capital gains, where the income can be delayed till the time it’s taxed at lower rates. 

The research from the UK shows that over half of BNPL users are using the service more during the pandemic. The biggest popularity of BNPL has been among millennials, although growth is fastest among users in their 40s and 50s. That is proof that BNPL is not the only millennial trend.  

What are the benefits of BNPL? 

  • Increase income with new customers – During last years the usage growth mainly in the age category 18 to 24 (62% growth) and 55+(98% growth). Also, the most common reason why to use this payment method is to make purchases that don't fit in one's budget. By usage BNPL, you offer new options to the customers who may not buy anything if only cash is preferred. 

  • Get new data – Firstly, you get the data such as age, gender, location, and credit score to better understand your target customer groups. Moreover, you can see the types of products that are taken the most with the installment purchase option. 

  • Beat credit card holders – as was written at the beginning of the article, BNPL's popularity grew rapidly last year. Moreover, more people from the population do not want to be in dept so they rather use installment purchases than a credit card. This proves the number of 62% of BNPL users who think it could replace their credit cards. 

  • Built loyalty – Thanks to this option, the sellers help the customers during pandemic times. The US research during 2020 and 2021 says that 41% of users have used BNPL to conserve cash in case of an emergency, then 25% because they lost income. You are building a loyal relationship with them if they could choose the payment option.

Do you want to offer „Buy now, pay later“ option to your end customers as well? 

Our app OneCore Installment Sale App can help you manage the workflow around. The app helps you to track your daily transaction, create the payment calendar for the end customer and follow the penalties management. The app is suitable for all retail institutions and micro-lenders. Get more details on the product page and let’s manage the non-binding meeting

Don’t miss the chance to offer installment purchasing for the next shopping harvest!  

Sources: Installment Sale Definition (
Study: Buy Now, Pay Later Services Growing Quickly Among U.S. Consumers | The Ascent (


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