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industrynewsupdates · 2 months ago

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Buy Now Pay Later Market: Key Trends and Growth Opportunities

The global Buy Now Pay Later (BNPL) market was valued at USD 6.13 billion in 2022 and is projected to grow at an impressive compound annual growth rate (CAGR) of 26.1% from 2023 to 2030. This rapid expansion is driven by several factors, including the growing demand for flexible payment solutions and the increasing adoption of e-commerce.

In 2022, the total volume of BNPL transactions was estimated to exceed USD 200 billion, signaling a shift in consumer behavior toward more manageable and accessible payment methods. One of the key drivers behind the rise of BNPL is the growing consumer preference for flexible payment options. BNPL services allow customers to make purchases without the immediate financial burden of paying upfront. Instead, they can spread the cost of their purchases over a period, often in interest-free installments. This flexibility reduces the pressure of large, one-time payments and helps consumers manage their budgets more effectively, making BNPL an attractive option for many.

The explosion of e-commerce is another major factor fueling the growth of the BNPL market. As online shopping becomes more prevalent, consumers are increasingly looking for seamless, efficient, and secure payment methods. BNPL services integrate smoothly into the online checkout process, providing a hassle-free payment experience that encourages more spending. With BNPL options, shoppers can complete their transactions quickly without having to pay the full amount upfront, which has become an appealing feature for online shoppers.

Additionally, the adoption of digital wallets and the growth of online retail platforms have further accelerated the BNPL trend. As digital payment solutions become more integrated into the daily shopping experience, both consumers and merchants are seeing the benefits of BNPL services. For consumers, it offers convenience and financial flexibility, while for merchants, it helps drive higher sales volumes and repeat business by attracting customers who might otherwise be deterred by the upfront cost of large purchases.

Gather more insights about the market drivers, restrains and growth of the Buy Now Pay Later Market

Regional Insights

North America

North America dominated the global Buy Now Pay Later (BNPL) market in 2022, accounting for over 29.0% of the revenue share. The growth of the BNPL market in this region can be attributed to the presence of numerous major players in the sector, alongside a strong ecosystem of fintech companies. These companies are actively innovating and expanding their service offerings. One notable trend is the increasing number of partnerships between fintech firms and entertainment companies to offer BNPL services for booking travel and entertainment experiences. For example, in September 2021, Uplift, Inc., a prominent BNPL solution provider, partnered with SeaWorld Parks & Entertainment, Inc., an American theme park and entertainment company. Through this collaboration, Uplift enabled SeaWorld customers to use BNPL payment options for booking hotels at its theme parks in San Antonio, Orlando, and San Diego. This partnership highlights how BNPL is becoming integrated into various consumer industries beyond traditional retail, providing more opportunities for growth in the region.

Asia Pacific

Asia Pacific is anticipated to witness the fastest growth in the BNPL market, with a projected CAGR of 28.4% over the forecast period. The region's rapid population growth, coupled with a rising number of tech-savvy consumers, is driving the adoption of digital payment solutions and e-commerce platforms. In countries like China, India, and several Southeast Asian nations, the increasing availability of smartphones and internet connectivity has made BNPL services an appealing option for consumers engaging in online shopping. This adoption is supported by a diverse retail landscape, where established e-commerce giants and innovative startups are collaborating with BNPL providers to offer flexible payment methods to consumers. These partnerships are helping to expand the customer base of both BNPL providers and retailers, resulting in higher sales volumes and enhanced consumer satisfaction. As online shopping continues to thrive in the region, BNPL is expected to become an even more integral payment method, driving the market's expansion in Asia Pacific.

Browse through Grand View Research's Next Generation Technologies Industry Research Reports.

• The global digital transaction management market size was estimated at USD 15.26 billion in 2024 and is projected to grow at a CAGR of 26.3% from 2025 to 2030.

• The global intelligent document processing market size was estimated at USD 2.30 billion in 2024 and is projected to grow at a CAGR of 33.1% from 2025 to 2030.

Key Companies & Market Share Insights

The BNPL market is moderately fragmented, with a range of companies offering various solutions to meet the diverse needs of consumers and merchants. As BNPL services become more widely adopted, they are gaining traction not just for online shopping but also for in-store purchases, expanding their footprint across multiple retail channels.

One of the most notable developments in the BNPL space came in March 2023, when Apple launched its new feature called Apple Pay Later, which adds BNPL capabilities to the Apple Pay digital wallet. This feature allows users to pay for online purchases in four equal installments over six weeks, with the first payment due at the time of purchase. Additionally, Apple Pay Later offers users the ability to apply for interest-free loans ranging from USD 50 to USD 1000, directly through the wallet app. This feature allows customers to shop both online and in-app without incurring fees, enhancing the user experience and providing greater financial flexibility. Apple’s move underscores the growing trend of big tech companies entering the BNPL market, offering more flexible payment options to consumers and reinforcing the growing shift toward digital wallets and seamless payment solutions.

The increasing popularity of the BNPL payment method is not limited to online shopping. It is also becoming an attractive option for customers making in-store purchases, as it allows them to spread the cost of purchases over time without paying interest. This is driving a shift in how both traditional retailers and e-commerce platforms approach payment options for customers. As a result, many merchants are now adopting BNPL solutions to provide customers with more purchasing flexibility, thereby enhancing customer satisfaction and fostering brand loyalty.

The adoption of BNPL by various e-commerce platforms is expected to continue to grow, contributing to the market's overall expansion. As more retailers offer BNPL as a payment option, it is anticipated that the global BNPL market will continue to experience robust growth, creating new opportunities for both BNPL providers and retailers.

Some prominent players in the global buy now pay later market include:

• Affirm, Inc.

• Klarna Inc.

• Splitit Payments, Ltd.

• Sezzle

• Perpay Inc.

• Zip Co, Ltd

• PayPal Holdings, Inc.

• AfterPay Limited

• Openpay

• LatitudePay Financial Services

• HSBC Group

Order a free sample PDF of the Buy Now Pay Later Market Intelligence Study, published by Grand View Research.

#Buy Now Pay Later Market #Buy Now Pay Later Market Analysis #Buy Now Pay Later Market Report #Buy Now Pay Later Market Regional Insights

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poonamcmi · 5 months ago

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Buy Now Pay Later Platforms Market is Estimated to Witness High Growth Owing to Increasing Consumer Demand

The buy now pay later (BNPL) platforms market allows consumers to purchase goods and pay for them in installments interest-free, without requiring credit checks or long application processes. BNPL platforms provide flexibility and convenience to shoppers and have gained popularity among millennials and Gen Z consumers. Key BNPL players provide various payment plans ranging from 4 interest-free payments over 6 weeks to paying back within 3-6 months with no additional fees. This enables consumers to manage their cash flows effectively and avoid interest charges associated with credit cards. The increasing popularity of e-commerce and growing need for flexible payment solutions among consumers are fueling the demand for BNPL platforms.

The Global Buy Now Pay Later Platforms Market is estimated to be valued at US$ 17.72 Bn in 2024 and is expected to exhibit a CAGR of 10% over the forecast period 2024 to 2031.

Key Takeaways

Key players: Key players operating in the buy now pay later platforms market include Baxter International Inc., ICU Medical. Inc, B. Braun Melsungen Ag, Grifols, S.A., Fresenius Kabi USA, LLC, Vifor Pharma Management Ltd, JW Life Science, Amanta Healthcare, Axa Parenterals Ltd, and Salius Pharma Private Limited, Pfizer, Inc, Otsuka Pharmaceutical Co., Ltd, Ajinomoto Co., Inc., B. Braun Melsungen AG, Soxa Formulations & Research Pvt.Ltd, Sichuan Kelun Pharmaceutical Co Ltd.

Key opportunities: Growing e-commerce sales and social commerce trends are opening Buy Now Pay Later Platforms Market Demand Moreover, opportunities exist in developing nations with increasing internet and smartphone penetration.

Global expansion: Major BNPL players are expanding globally to benefit from the untapped growth potential. For instance, Afterpay and Klarna have extended their services across North America, Europe, Asia, and other regions.

Market drivers: Increasing consumer Buy Now Pay Later Platforms Market Size And Trends In addition, pay later capabilities on shopping apps and buy now pay later at brick and mortar stores are fueling the adoption of BNPL payment methods among consumers.

PEST ANALYSIS

Political: Regulations around consumer lending are constantly evolving with new laws around transparency and responsible lending practices. This affects the operations of buy now pay later platforms.

Economic: A rise in discretionary spending and consumer confidence has positively impacted the buy now pay later market. However, an economic downturn could see a reduction in purchases made using these platforms.

Social: Younger consumers are more comfortable with the idea of paying for purchases over time and instalments. Buy now pay later options address changing consumption patterns and preferences.

Technological: Advancements in payments technology and the rise of smartphones have enabled new platforms in the online and offline space. Real-time approvals, syncing with bank accounts and virtual cards are driving growth.

Geographical concentration

In terms of value, the buy now pay later platform market is currently concentrated in North America and Europe. The US and UK markets have seen strong growth due to a large young population and greater adoption of online shopping in these countries. Australia has also emerged as an important early adoption market.

Fastest growing region

The Asia Pacific region excluding Australia is projected to be the fastest growing market for buy now pay later platforms from 2024 to 2031. Rising incomes, expanding middle class and increasing digital payments penetration in countries like India and China offer significant untapped potential. Buy now pay later also provides these markets an innovative credit access point. Get More Insights On, Buy Now Pay Later Platforms Market

#Buy Now Pay Later Platforms Market Demand #Buy Now Pay Later Platforms Market Trends #Buy Now Pay Later Platforms Market Size #Buy Now Pay Later Platforms #Buy Now Pay Later Platforms Market

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rohitpalan · 9 months ago

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Embedded Finance Market Surges with a 16.5% CAGR, Set to Reach US$ 291.3 Billion by 2033

It is projected that the embedded finance industry would grow at a robust 16.5% compound annual growth rate (CAGR) from 2023 to 2033. The market is anticipated to be valued at US$ 63.2 billion in 2023 and to have a market share of US$ 291.3 billion by 2033.

The technical advantages along with the expanding financial services including banking and non-banking options are flourishing the market growth. Furthermore, the rapid automation and adoption of smart platforms of different spaces for high productivity and efficiency are propelling growth.

Financial giants are partnering with technological platforms for innovative solutions. For example, Mastercard and Fabrick have signed a partnership to boost embedded finance. New services like buy now pay later (BNPL) and credit reporting are good examples of embedded finance.

The expanding sales and extended chains of banks and financial companies are expected to adopt these new systems in to improve the services offered. Alongside this, the increased convenience, quick transaction, and highly accessible interface is making embedded finance systems future-ready.

The growing sales of financial services have also increased the importance of data. Thus, the embedded finance systems also deliver a relevant collection of data while adding inclusion and convenience to the end user’s plate.

The other benefits include the generation of additional revenue streams while increasing the product’s stickiness, and enhanced customer experience.

Get an overview of the market from industry experts to evaluate and develop growth strategies. Get your sample report here https://www.futuremarketinsights.com/reports/sample/rep-gb-14548

Key Takeaways:

The United States market leads the embedded finance market in terms of market share in North America. The United States region held a market share of 22.3% in 2023. The growth in this region is attributed to expanding financial firms, and the government’s adoption of the latest technologies. North American region held a significant market share of 32.5% in 2022.

Germany’s market is another successful market in the Europe region. The market holds a market share of 12.3% in 2022. The growth is attributed to the presence of new embedded finance platforms such as Plaid, and Alviere Hive. Europe region held a market share of 25.4% in 2022

India embedded finance market booms at a CAGR of 19.5% during the forecast period. The market’s growth is attributed to the new banking policies, enlarged non-banking policies, and high penetration of non-banking platforms.

China’s market also thrives at a CAGR of 17.7% between 2023 and 2033. The growth is caused by the banking reforms and increased focus on consumer inclusivity.

Based on type, the embedded banking segment held a leading market share of 32.1% in 2022.

Based on end-user type, the investment banks and investments company segment perform well as it held a leading market share of 27.2% in 2022.

Competitive Landscape:

The key vendors focus on adding value to the embedded finance systems and easy deployment procedures. Moreover, key competitors also merge, acquire, and partner with other companies to increase their supply chain and distribution channel.

Major Players in this Market:

Bankable

Banxware

Cross River

Resolve

Parafin

TreviPay

Balance

Stripe

Speak to Our Research Expert https://www.futuremarketinsights.com/ask-question/rep-gb-14548

Recent Market Developments:

Finix has introduced embedded payments and the vertical SaaS conundrum. The addition of embedded payments is increasing revenue, reducing the payment strike, and easy customer engagement.

Flywire embedded experience is using smart technologies to secure payments without leaving the website.

Key Segments Covered are:

By Type:

Embedded Banking

Embedded Insurance

Embedded Investments

Embedded Lending

Embedded Payment

By End User:

Loans Associations

Investment Banks & Investment Companies

Brokerage Firms

Insurance Companies

Mortgage Companies

By Key Regions:

North America

Latin America

Europe

Japan

Asia Pacific Excluding Japan

The Middle East and Africa

#Embedded Finance Market

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stockmarketknowledge · 1 year ago

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Understanding to Trading in Financial Market

If we talk about trading, trading is the simple and equivalent term to exchange. The exchange can be of any of two things, either it can be exchange of two ideas. If we provide a particular service and in exchange, we get any service or amount, that is also called trading. If we talk about stock market, bonds, fixed deposits in the context of financial instrument, if any person, institution or government pay money and that particular instrument is kept or purchased in the intention of the growth or increment of the valuation of the particular instrument, is called trading. So, if we are buying any instrument and that instrument is being bought in the intention that the value of the instrument will increase, so this is called trading in order to sale. Now if we have to earn benefit in trading, we will have to always buy the instrument in less price and sell it at higher prices, but if there is any risk involved, so risk can be positive and negative. Instead of increasing the price, if the price falls and we sell that instrument so this is negative risk, so this is also a trading, means trading doesn’t means that we are always in profit , trading means we are In loss as well. Trading can be barter, trading can be in the context of services, physical instruments, advices or ideas or anything.

Now if we come directly to the sector of stock market, here are three segments Cash, Future and options. This all starts from the regulation of SEBI, which regulates the market. There is total 8 active stock exchanges in India, however two are very popular NSE and BSE. So, the NSE and BSE has their own stories, BSE is the oldest and NSE is the biggest one. If we have to trade in stock market, we can become investor or intraday trader. To become an intraday trader, we need to know the all the process of intraday trading. In intraday, if we are buying the particular instrument and selling that particular instrument in the same day, is called Intraday Trading.

Cash Market Trading:

A market known as a cash market is one where commodities, currencies, and securities are traded for immediate settlement and delivery in return for cash or another form of payment. A credit facility is not present in such marketplaces. Trading of cash market is kind of physical, means we buy shares and directly shares come into our account. Means we gave money and shares came in our account, then this type of trading is called cash market trading.

This is done in two ways, (i) Intraday and (ii) Positional. Intraday means that today itself we will buy those shares and sell them today itself. If we are doing intraday trading then we do not have any restrictions. Meaning, even if we buy those shares first and sell them later, but the shares which we do not have, we sold them in the morning and bought them in the evening, even then the account is equal. Just at the end of the day our account should be equal. The number of shares that we have bought, the same number of shares should be sold from our account. So, any work we can do first, buy and sell.

If you want to learn more about trading then join India's best community classes from Investing Daddy.

If we have done positional trading, then we cannot sell again because the rule in trading is that if we do intraday trading then those shares do not come in our Demat. We traded that. But if we invest, then if we invest, then instead the shares come in our Demat. The work of bringing these shares in Demat is done by companies like NSDL and SDSL in the securities market. These are depositories and their work is of settlement as well as counter party risk management. Now, how about the settlement? We paid, in return we bought shares, the money is ours, we will not know the name of the person who sold those shares. Maybe we bought ten shares, and maybe we bought those ten shares from ten different people and maybe we bought ten shares from the same person, so it depends, so wherever these shares came from, who It is the job of the depositories to take the money out of his Demat and transfer it to our Demat and the money we have paid along with it. Now what is counter party risk management, during this duration there is a TAT in it which we call T+2 days. Means those shares will come in our Demat within trading day + 2 trading and that money will reach it, total time is two days. Saturday and Sunday holidays do not count. Now, during the period we are at risk, risk means risk of loss and profit. Suppose we have bought a share, the person who has sold us shares, those shares are not there in the Demat of that particular person, then from where will we get the shares. So, for this we do not have to find that person, our counter party is this depository only. For which the depository takes money from us. Even, in many cases, we will not even be aware that something like this has happened to us. Because in this T+2 days, suppose Person A bought some shares from Person B and Person A does not know who Person B is, there is a depository between Person A and Person B, Person A bought shares, And there is no money in Person B's Demat, NSDL CDSL will go to Person B's Demat, see that there is no shares in Person B's Demat, NSDL will react, will go to auction, will purchase those shares from those who have those shares available . Here at the time of purchasing, their prices can be anything, depending on auctions. Suppose a person sold some shares of Reliance, he sold one share for 3000 rupees and that share is not in his Demat. In the auction that went to the depository, that day no broker has those shares in the auction, no one has held Reliance, a man was found, who has one share of Reliance, he says that I have this one share for Rs 1,00,000 If I sell it, NSDL will buy it for Rs 1,00,000 and deliver it to this person. Now a loss of 1,00,000 - 3,000 = 97,000. This money will be recovered from Person B, it will be the loss of Person B, who sold the shares. So, in earlier times it used to be very dangerous. When there were no automated systems. There was a period under During when people used to forget to sell shares and a lot of people's money used to get drowned in the auction. But now since automated systems have come, now brokers do not allow that if we want to sell then we cannot take normal delivery trade and if we want to buy then we can take normal delivery trade, then sell In case we will take intraday trade. In case of intraday trade, now the broker has made this rule, if we do not square up the held position within 3:10 minutes, then our position will automatically square up. Means automatically those shares will be bought in our account. So, this is how the intraday and positional cash market trading happens. When bought or sold in intraday, NSDL or CDSL will not tell us why we sold first and why we bought, even they will not go to check the time, their work is to match that 100 shares were bought and 100 shares were sold and the matter is over, the account is equal. Whatever the profit is, whatever the loss is, under that would be calculated. When we call the same as positional, then we are called investors because we did not trade, then we invested in that share.

There is also some margin in intraday trading, it is decided by the margin regulator that how much margin can be given. And slowly our regulator is coming to the concept that non-margin trading is also possible in intraday. Because margin increases our risk. How does it increase, suppose it is 5,000 rupees and we get a margin of 10 times, so our 5,000 becomes 50,000. Means in intraday we can buy 50000 and sell 50,000. So, it would be great fun for a common man to see that I can trade for Rs.50,000, and if we make a profit, it will be Rs.50,000. We have 5,000 rupees and there is a share of 500 rupees, we bought 10 shares, bought 5 rupees for the target, then it can be a profit of 5 rupees in 10 shares or it can be a loss. If 10 shares are bought then 10 x 5 means profit of Rs.50 and loss of Rs.50. Which if we see according to 5,000, then just 1% profit and 1% loss.

But if we trade with 50,000 instead of 5,000 with margin, then instead of 10 shares of 500, we got 100 shares, now we will have a profit of 500 or a loss of 500, that means our risk was 1% In trading without margin, now it has directly increased to 10%. So, our positive risk also increased and negative risk also increased. That's why we should always keep in mind that even though we have margin available in intraday trading, but still if we want to become a good trader then margin should be used sparingly. Sometimes a position got stuck, sometimes it happened that we took a trade during the day, we had to average it, then we used margin, but if we are always trading with margin, then under this kind of we are putting ourselves in high risk. are involved. So this is how cash market trading is being done. Here we do not have any restriction on the number of shares we will buy, we can buy as many shares as we want. 1, 100, 1000, 100000 whatever the number of shares to buy, they can buy.

youtube

Derivative Future Market:

The term derivative refers to a type of financial contract whose value is dependent on an underlying asset, group of assets, or benchmark. A derivative is set between two or more parties that can trade on an exchange or over-the-counter (OTC). These contracts can be used to trade any number of assets and carry their own risks. Prices for derivatives derive from fluctuations in the underlying asset. These financial securities are commonly used to access certain markets and may be traded to hedge against risk. Derivatives can be used to either mitigate risk (hedging) or assume risk with the expectation of commensurate reward (speculation). Derivatives can move risk (and the accompanying rewards) from the risk-averse to the risk seekers.

A derivative is a complex type of financial security that is set between two or more parties. Traders use derivatives to access specific markets and trade different assets. Typically, derivatives are considered a form of advanced investing. The most common underlaying assets for derivatives are stocks, bonds, commodities, currencies, interest rates and market indexes. Contract values depend on changes in the prices of the underlying asset.

#Youtube

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kikusharma9001 · 1 year ago

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Understanding to Trading in Financial Market

Now if we have to earn benefit in trading, we will have to always buy the instrument in less price and sell it at higher prices, but if there is any risk involved, so risk can be positive and negative. Instead of increasing the price, if the price falls and we sell that instrument so this is negative risk, so this is also a trading, means trading doesn’t means that we are always in profit , trading means we are In loss as well. Trading can be barter, trading can be in the context of services, physical instruments, advices or ideas or anything.

LTP Calculator India's No.1 Trading tool

Cash Market Trading:

Trading of cash market is kind of physical, means we buy shares and directly shares come into our account. Means we gave money and shares came in our account, then this type of trading is called cash market trading.

Because margin increases our risk. How does it increase, suppose it is 5,000 rupees and we get a margin of 10 times, so our 5,000 becomes 50,000. Means in intraday we can buy 50000 and sell 50,000. So, it would be great fun for a common man to see that I can trade for Rs.50,000, and if we make a profit, it will be Rs.50,000. We have 5,000 rupees and there is a share of 500 rupees, we bought 10 shares, bought 5 rupees for the target, then it can be a profit of 5 rupees in 10 shares or it can be a loss. If 10 shares are bought then 10 x 5 means profit of Rs.50 and loss of Rs.50. Which if we see according to 5,000, then just 1% profit and 1% loss.

That's why we should always keep in mind that even though we have margin available in intraday trading, but still if we want to become a good trader then margin should be used sparingly. Sometimes a position got stuck, sometimes it happened that we took a trade during the day, we had to average it, then we used margin, but if we are always trading with margin, then under this kind of we are putting ourselves in high risk. are involved. So this is how cash market trading is being done. Here we do not have any restriction on the number of shares we will buy, we can buy as many shares as we want. 1, 100, 1000, 100000 whatever the number of shares to buy, they can buy.

If you want to learn more about trading then join India's best community classes from Investing Daddy.

Derivative Future Market:

These contracts can be used to trade any number of assets and carry their own risks. Prices for derivatives derive from fluctuations in the underlying asset. These financial securities are commonly used to access certain markets and may be traded to hedge against risk. Derivatives can be used to either mitigate risk (hedging) or assume risk with the expectation of commensurate reward (speculation). Derivatives can move risk (and the accompanying rewards) from the risk-averse to the risk seekers.

STOCK MARKET BEST TEACHER

#stock market #investing stocks #investing #stocks #investors #finance

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newzindia · 2 years ago

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B2B Fintech Companies in India

There are few other prominent top B2B fintech companies in India that leave their mark unavoidably in business market. Here are few of them explained by Siddharth Mehta IL&FS former director:

1: Udaan- One of the biggest business-to-business platforms in India is called Udaan. Vaibhav Gupta, Sujeet Kumar, and Amod Malviya launched it in 2016. Bangalore serves as the startup's corporate headquarters. Staples, electronics, FMGC, lifestyle, home and kitchen, fruits and vegetables, pharma, and other industries are all served by it. The platform enables farmers, small businesses, and manufacturers to provide shoppers and merchants with their goods in a transparent and safe manner. With safe payments and efficient logistics, it facilitates the buying and selling process.

2: GInvoicing- The startup's name, GInvoicing, is clearly taken from the accounting phrase G-Invoicing. Tarun Jangra started Ginvoicing in 2017, which has its headquarters in Ludhiana. It is a platform that enables you to conveniently and more successfully run your business. The platform aims to eliminate all your GST-related problems claimed Siddharth Mehta Bay Capital founder and CIO. It assists with obtaining online payments, accounting, inventory control, gathering sales, marketing, and buying information, among other things.

3: Benow- Benow is yet another well-known B2B payment company in India. It was established in 2016 by Sudhakar Ram and Soorraj VS. A platform called Benow focuses on payments and the retail industry. The firm was established to advance digital payments and support the growth of SMEs, NGOs, and brands. Users may also obtain credit points, EMI, bundle items, and much more. The Buy Now Pay Later approach is the main emphasis of the site.

Conclusion!

Business-to-business payments were always a difficult procedure, but as technology developed, a number of companies appeared that simplified and secured the transaction. Some of the most well-known B2B payment firms in India that are revolutionizing the way transactions were previously conducted are those listed above.

#siddharth mehta il&fs #siddharth mehta bay capital #siddharth mehta #bay capital #il&fs #business #fintech #india

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calcbench · 2 years ago

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A Look at Home Loan Lending Trends

As bank failures unfold, investors, regulators, businesses, and everyday people are looking at which financial intuition is going to be the next Bear Stearns, Washington Mutual (WaMu), or Silicon Valley Bank. Ultimately the public will have in-depth reports (and probably even books) on how these failures happened. Fundamentally, these firms held large amounts of concentrated risk without a coherent, fully developed strategy for asset and liability management (ALM).

For Bear Stearns, its downfall was exposure to mortgage-backed securities — and then doubling down on those investments when the proverbial [expletive] hit the fan. WaMu had a focus on risky mortgage lending and an untenable expansion approach. For Silicon Valley Bank, its concentration in tech-backed start-ups and the bank’s high proportion of held-to-maturity (HTM) securities ultimately led to its demise.

To explore bank concentration risk in more detail, fintech entrepreneur, former financial analyst, and friend of Calcbench Marvin Chang did some sleuthing on banks and home lending asset trends. Chang evaluated more than 20 banks, ranging from the big national banks, to super-regionals, regionals with under $80 billion in assets, down to local community banks with under $10 billion in assets.

Figure 1, below, is a sample of what Chang found. It shows the different growth rates in home lending for the various sizes of banks.

Overall, asset growth has been muted at national banks over the past four years. Home lending (mortgage and home equity) at these institutions has been declining from 2018 through 2022. With the one exception of Wells Fargo ($WFC), home lending is a single digit percentage of total lending at each of the big banks.

At super regional banks, regional banks, and local community banks, the story is different. From 2018 through 2022, asset growth was more accelerated, and mortgage lending rose. Often, the smaller the bank (in asset size) the more aggressive they’ve been in real estate which is interesting given that home lending has increasingly become a scaling/technology game.

For super-regionals, the focus has been on home lending which hovers around 23 percent of total lending in 2022; at regionals with less than $80 billion in assets, home lending is 26 percent of total lending that same year.

As Calcbench first reported last summer, with interest rates on the rise, real estate lending has fallen off a cliff. For super-regional and regional banks specifically, Chang recommends taking a deeper look at their portfolios to understand what shoe might drop next.

Using Calcbench to do this research was easy, or as Chang says, “it’s like riding an electric bicycle.”

To download Chang’s detailed spreadsheet and see the tags he used with his Calcbench’s Excel Add-in, click here.

About the Author

Marvin Chang is currently chief commercial officer at digital lending platform Revvin. He has led digital transformation programs at Caliber Home Loans, which enabled this top mortgage lender to achieve a 10x increase in loan production via digital channels. There, he cultivated relationships with many of the leading residential housing value chain disruptors. At First Data, Chang led efforts to build innovative consumer loans propositions, focusing on point-of-sale and buy-now-pay-later lending. While overseeing international business development, Chang set up the company's venturing arm in India to tap into the market’s payment innovation. At Citigroup, his leadership in managing the legacy mortgage portfolio helped turn the mortgage holdings unit into a steady generator of returns. At Morgan Stanley, Chang held innovation leadership roles within the institutional research unit.

#banking #financial analysis #research

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paynxt360 · 2 years ago

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The B2B BNPL ecosystem continues to grow as more players, including banks, enter the market

Whilst the B2B BNPL sector is still in its infancy, the market is evolving rapidly as the ecosystem continues to grow at a significant pace. In 2022, a growing amount of venture capital and private equity funds entered into the B2B side of the buy now pay later (BNPL) industry. Seen as a lucrative growth opportunity, amid the heightened inflation that has put pressure on small and medium-sized enterprises, many new players, including banking institutions are foraying into the B2B BNPL market.

In January 2023, Santander CIB, Allianz Trade, and Two entered into a strategic collaboration to develop a B2B BNPL product targeted towards large multinational corporates. While Two is taking care of the payment technology, Santander CIB is financing payments to sellers and credit to buyers. Allianz Trade, on the other hand, is offering protection against non-payment risk.

The partnership between the three business entities comes at the time when Two and Allianz Trade partnered earlier in 2023 to provide small and medium-sized enterprises with financing solutions in the United Kingdom. On the other hand, Allianz Trade and Santander were exploring opportunities to fund large projects. To facilitate large B2B sales, these business entities have entered into a single collaboration to offer instant payment technologies to corporates.

In 2023, the B2B BNPL sector is projected to expand rapidly due to the current economic challenges faced by small and medium-sized enterprises. Consequently, providers have continued to raise growth rounds to expand their services.

Tranch, for instance, announced that the firm had raised US$100 million in a Seed funding round in January 2023. The capital round was led by Soma Capital and FoundersX. The firm is planning to use the fresh capital for bringing its B2B BNPL solution to more software-as-a-service sellers. Additionally, Tranch is also seeking to grow its team in the United States and expand into other business verticals.

In January 2023, Mondu, another B2B BNPL provider, announced that the firm had raised US$13 million in an extended Series A round. Notably, the firm raised US$43 million as part of its Series A round in 2022. The extended Series A round, led by Valar Ventures, means that the firm had raised a total of approximately US$90, since its inception.

Like Tranch, Mondu is also planning to use the capital round for driving its market growth, while also funding the development of new products. The B2B BNPL market is also gaining strong growth momentum in the Asia Pacific region, where firms are attracting venture capital and private equity dollars.

Singapore-based actyv.ai scored US$12 million in its pre-Series A funding round in January 2023. The capital round backed by 1Digi Ventures will be used for exploring global expansion opportunities. The US$12 million round also includes the US$5 million funding that actyv.ai raised from 1Digi Ventures in 2022. During the 12 months in 2022, the firm recorded strong growth, while its BNPL throughput exceeded US$100 million.

Amid the growing shift and focus on the B2B space and to capitalize on the high growth potential of the B2B BNPL market, firms are also entering into strategic collaborations and partnerships in the global market. actyv.ai, for instance, entered into a strategic collaboration with RATNAAFIN, an India-based NBFC firm. The strategic alliance is part of the firm’s strategy to facilitate embedded B2B BNPL offerings for micro, small, and medium enterprises. Similar trends have been observed in the European market, where the B2B BNPL sector has gained widespread popularity.

In January 2023, Hokodo, the B2B BNPL provider, announced that the firm had entered into a strategic alliance with Lemonway to help B2B marketplaces offer trade credit online in Europe. While Hokodo will evaluate the buying power of businesses in real-time, Lemonway will assist with payments and help platforms with regulations and compliance.

With many industries catching the trend of the B2B marketplace, there is a lucrative growth opportunity for financial institutions by offering seamless and quick payment solutions to businesses. In 2023, many more financial institutions, including innovative startups and incumbents, are expected to tap into the massive growth area of B2B BNPL. Consequently, the B2B BNPL ecosystem is expected to expand further and record strong growth over the next 12 months in the global market.

To know more and gain a deeper understanding of the global BNPL market, click here.

#bnpl buynowpaylater marketresearch PayNXT360

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kenresearchcompany · 3 years ago

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India Buy Now Pay Later Market - Size, Share, Revenue And Forecast: Ken Research

Buy Now

The report titled “India Buy Now Pay Later Market Outlook to 2026: Cascading Growth driven by one-click payment ease, unmatched expediency among lending solutions and free of cost deferment of payments, coupled with rising adoption by Merchant Payments due to increase in Customer Conversion and Sales Value” provides a comprehensive analysis of the fast-growing Buy Now Pay later market, and the financing ecosystem of such a service in India. The report focuses on the Buy Now Pay later market size, analysis of Global Buy Now Pay Later Space and Indian Digital Lending Sector, while taking a look at how impact of COVID-19 has changed the purchase behavior of Indian Consumers which has led to the rise of this market, what are the major growth drivers of this market and issues, challenges and risks faced by both consumers and Buy Now Pay Later (“BNPL”) companies. The report also focuses on Demand side analysis, including consumer segmentation of Buy Now Pay Later consumers by age group, and Consumer Persona Analysis.

The report deep dives into the current BNPL Companies such as Lazypay,Simpl, Zest Money, Kreditbee, Cashe, ePayLater, Capital Float (Amazon Pay Later service provider), Flipkart Paylater, Ola Money postpaid, Slice, Postpe, Dhani Onefreedom Card, covering the market share of such companies in the BNPL Space in India , By Gross Merchandise Value (“GMV”) loaned to consumers, revenue growth of BNPL companies from FY’19-FY’21, and in-depth study of investments made to these players over the last 5 years, including details of investors, funding rounds and funding amount. A thorough cross-comparative analysis of BNPL companies is included in the report across various parameters such as demand side decision making (onboarding process, customer praise points, customer pain points, brand image, etc), competitive assessment (Unique Selling point, Lending partners, Merchant Partners, Average daily transactions.

The report also includes Case Studies of niche players in the BNPL space such as SaveIN, a healthcare BNPL service provider, and ePayLater, a B2B BNPL service provider, along with interviews from their respective founders to shed some light in these niche spaces in the market.

The report concludes with future outlook for the market along with projections of the BNPL market, along with recommendations on Best practices specific to this market and segment analysis, highlighting major opportunities for growth in this market.

Indian Buy Now Pay Later Market

Indian Buy Now Pay later market grew at a CAGR of ~321 % by Gross merchandise value (total value of the loans disbursed to consumers), during FY’19-FY’21. The Average ticket size has shown a ~24x growth in the same period as well.

India Buy Now Pay later Market Segmentation

E-commerce, and food aggregators provide majority GMV with ~38% of market share in the total GMV of BNPL market in India. Online transactions are prevalent compared to offline PoS transactions, and South zone accounts for majority of the demand for BNPL services.

Demand Side Analysis: 26-35 Years age group is the prime segment of BNPL users, with ~40% of market share of the total Gross Merchandise Value (“GMV”). 26-35 Years bachelor population in metro cities with recent employment, lack of credit line and frequent 18-25 years population E-commerce users in metro cities are the earliest adopters of BNPL services. Thriving E-commerce and convenience offered by BNPL services are primary reasons for users to adopt Pay Later practices.

Competition Scenario among BNPL Players:

The India BNPL market consists of

App-based BNPL players, such as Lazypay, Simpl, Zest money, Cashe

E-Commerce/Travel Aggregators offering BNPL Services such as Amazon Pay Later (Capital Float), Flipkart Pay Later, and Ola Money Postpaid

Card Based BNPL Players such as Postpe, Slice and Dhani Onefreedom Card

M-wallet players offering BNPL services such as Freecharge Pay Later, Paytm Postpaid, and Zip pay Later by Mobikwik

Lazypay leads the BNPL market with ~39% of the total Gross Merchandise Value (“GMV”) followed by players such as Capital Float (Amazon Pay Later) and Zest Money.

Comparative Landscape of India Buy Now Pay Later Market

Low penalty for payment delay, app stability, fast customer issue addressing are among major features commended by customers. Even among niche players, adoption has been driven by ease of on-boarding of new customers.

E-commerce BNPL players such as Flipkart Pay Later, and Amazon Pay Later (Capital Float) have shown largest surge in their revenues from FY’19 to FY’21

The total funding for BNPL players has been valued at ~1.6 billion dollars as of CY’21; Postpe, Slice and Capital Float are the most funded BNPL companies

India Buy now Pay later Market Future Outlook and Projections

The Used Buy Now Pay later Market in India is anticipated to grow with the growing adoption of smart phones and internet penetration, credit demand unfulfilled by credit cards, and convenience offered by BNPL platforms. Over the forecast period FY’22-FY’26, the ‘India Buy Now Pay Later Market’ is further anticipated to showcase an upward trend in terms of Gross Merchandise Value (“GMV”) and average ticket size, much faster than the earlier years, with the market consistently expanding. Expected RBI regulations are expected to make the market more secure for customers as well.

Key Segments Covered in India Buy Now Pay Later Market

Indian Buy Now Pay Later Market Size and Segmentation

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline), In INR Crores, FY’21

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.), In INR Crores, FY’21

Segmentation, By Geography, In INR Crores, FY’21

Demand Side Analysis of the Buy Now Pay Later Market in India

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Supply Side Analysis of the Buy Now Pay Later Market in India

Market Share (By Gross Merchandise Value Loaned to customers, in INR), and Average daily Transactions (In INR), of Major Buy Now Pay Later Players in India, FY’21

GMV Growth Analysis of Major Players in the BNPL Space, By Gross Merchandise Value Loaned to customers, in INR, FY’19-FY’21

Investment Analysis of the BNPL Players (Funding Rounds, total investments from FY’16-FY’21, Investors)

Comparative Assessment, By:

Case Study of Niche BNPL Players

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Outlook and Projections of the BNPL Market in India, FY’22 – FY’26

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulations as proposed by RBI

Market Size of Buy Now Pay Later Market in India and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Vintage

Office Location

Number of Employees

Holding Company

USP

Merchant Partners

Lending Partners

Request for Sample Report @ https://kenresearch.com/sample-report.php?Frmdetails=NTE1MDY0

Key Target Audience

Scheduled Commercial Banks

Non-Banking Financing Companies

Buy Now Pay Later Companies

E-Commerce Platforms

Payment Gateway Companies

Online Food Aggregator Companies

Online Cab/bus/ flight booking platforms

Online Streaming Services

Healthcare Chains

Time Period Captured in the Report:

Historical Period: FY’16-FY’21

Forecast Period: FY’22-FY’26

Major Buy Now Pay Later Companies in India:

App-based BNPL Players

Platform based (e-commerce, online travel aggregators)

Card based Players

M-wallets offering BNPL Services

Banks offering BNPL Services

Lazypay

Simpl

Zest Money

Kreditbee

Cashe

ePayLater

Capital Float (Amazon Pay Later service provider)

Flipkart Paylater

Ola Money postpaid

Slice

Postpe

Dhani Onefreedom Card

Freecharge Pay Later

Paytm Postpaid

ZipPay later by Mobikwik

Pay Later by ICICI

Key Topics Covered in the Report

Global E-Commerce and Online Food Delivery Market Snapshot

The Global Buy Now Pay Later Market Overview

Buy Now Pay Later and the Fintech Ecosystem in India

India Digital Lending Sector Snapshot

The Impact of COVID19 in customer behavior

India Buy Now Pay Later Market Ecosystem

Value Chain Analysis of India Buy Now Pay Later Market

Why is the BNPL market picking up traction in India?

Regulatory landscape of BNPL Market

Issues, Challenges and Risks in the Buy Now Pay Later Market in India

SWOT Analysis of the Buy Now Pay Later Market in India

Analysis of BNPL market as a part of Digital Lending Sector In India

India Buy Now Pay Later Market Size, By GMV, In INR Crores, FY’19-FY’21

Trend Analysis of Average Value per Transaction, In INR, FY’19 to FY’21

Segmentation, By Mode of Payment (Online vs Offline)

Segmentation, By Lending Channels (such as E-commerce retail, Food aggregators, travel aggregators, etc.)

Segmentation, By Geography

Consumer Segmentation of the BNPL Space, By Age Group, FY’21

Adoption Rationale of BNPL Services

Cross Comparison of Major BNPL Players across major decision making parameters (such as onboarding process, ease of use, brand image, customer ratings, issueas and praise points by customers)

Market Share (By GMV), and Average daily Transactions, of Major Buy Now Pay Later Players in India, FY21

GMV Growth Analysis of Major Players in the BNPL Space, FY’19-FY’21

Investment Analysis of the BNPL Players

A look at Investment rounds of Major BNPL Players

Comparative Assessment: Company Overview (Vintage, Office Location, Number of Employees, Holding Company)

Comparative Assessment: USP, Number of Users, Merchant Partners and Lending Partners

Case Study 1: EPayLater, the leading B2B BNPL Player in India

Case Study 2: SaveIN, a BNPL Player dedicated to healthcare

Future of Lending Channels of BNPL Space in India

Expected Changes in Regulation as proposed by RBI

Market Size of Buy Now Pay Later Market in India and Projected Ticket Size, by GMV (INR), FY’22-FY’26

Industry Best Practices

Opportunities in the demand side

Industry Speaks

For more information on the research report, refer to below link:

India Buy Now Pay Later Market Size & Trends Report 2026

Related Reports

India EduFin Industry Outlook to FY’2026 – Driven by High Adoption of EdTech sector and Increasing Investments from Venture Capital Firms

Global Small Business Loan Market Research Report with Opportunities and Strategies to Boost Growth- COVID-19 Impact and Recovery

Global Digital Transaction Management (DTM) Market Research Report with Opportunities and Strategies to Boost Growth- COVID-19 Impact and Recovery

India Online Grocery Market: Current Analysis and Forecast (2021-2027)

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deorwineinfotech · 3 years ago

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Why Your E-commerce Business Needs a Mobile App?

There has always been good competition in all businesses and for most business owners the only limit is the sky. E-commerce businesses have seen a massive surge mainly due to the day-by-day increasing number of internet users all around the globe.

E-Commerce App Solution is the first and most crucial step in the digitalization of a business and you can fulfill all the demands of your customer by adding as many new features as you want to the application. As the owner of your E-commerce business, it is time for you to accept the fact that your business needs an application to reach its full potential.

A survey on Ecommerce Application Services shows that more than half of shoppers prefer a mobile app to shop for their favorite items rather than going to the market by themselves as it can save them a lot of time and money. Simplicity is the best policy and this also implies E-commerce where you should make shopping from your store simpler.

Benefits of Mobile Apps for Your E-commerce Business

There are some good reasons for you to consider Ecommerce App Development to keep up with the needs of the time.

· Increased customer loyalty

· Better response time

· Convenience for shoppers

· Higher conversion rate

· High Revenue

· Personalized shopping experience

· Brand Recognition

· Time-saving

· Higher conversion rate

Increased Customer loyalty

If a customer downloads your mobile app, it is a sign that the customer is more interested in your brand than anyone else. Shopping for the official website is also an option but customers need to log in to it every time they want to buy something which is a time taking process.

Average internet users spend more time on their mobile phones as compared to other smart devices so they want to shop for everything from a mobile app. Vouchers, coupons, promotion deals, and other rewards are some methods to improve the loyalty of your customers towards your brand.

Better Response Time

The speed of your E-commerce app is a major concern for your customers and apps usually take less time to give a better response in comparison with a website. Application save data on the mobile phone while website needs to retrieve data from a server every time you want to view and this creates a difference between the response time.

The app provides customers with many choices to sort items from the inventory and add them to a Wishlist to view them later. Better searching and checking out features make a customer more proactive for future shopping.

Convenience For Shoppers

Mobile applications are a convenient mode for shoppers to buy their favorite items whenever and wherever they are. The app can easily boost up the revenue of your business in a short period by increasing the number of customers on your online store.

You don’t need to turn on your computer and log in to the website to do shopping. Most applications have voice search features that enable you to search for an item without typing anything at all. You can add your money to a built-in wallet and directly pay for your shopping from the app.

Higher Conversion Rates

When viewing inventory from the mobile application, customers add fifty percent more items to the cart and ultimately buy them. This leads to better exposure of your brand, store, and products without doing much.

A mobile application has higher chances of achieving target conversion rates and you will earn more dollars when the conversion rates are high. With push notifications, you can tell your customers about new offers and discounts to make them purchase more items.

High Revenue

With increased conversion rates and the loyalty of your customers, you will generate more revenue in the shortest time possible. E-Commerce Solution is the first preference of customers nowadays because they want to save time and buy everything they want.

You can invest in Ecommerce Web and App Development Services right now and you will enjoy the fruits of your time investment in the upcoming trends after some time. Your brand will be in a prominent position and you will enjoy a grand exposure, all thanks to your investment in the mobile app.

Personalized shopping experience

A personalized shopping experience can boost up your sales and you can make use of information about your customers such as their age, sex, location, etc. to send them category-based promotions accordingly.

The mobile application lets you take personalization to a whole new level as you can keep track of the customer search and purchase history to recommend new products to them. By creating a combination of personalization and other rewarding campaigns, you can provide your customers dream shopping experience at their fingertips.

Brand Recognition

A massive increase in recognition of your brand in the national and international marketplace is another reason for you to invest in a mobile app and you can contact an Ecommerce App Development Company India to get this task done as soon as possible. To achieve all your targets, you need to offer high-quality features in your mobile app.

Answering every single query of your customer is an effective tactic to let your customers know more about your brand. A well-known brand with all the necessary tools in hand will fight with all the difficulties to achieve success.

Time-saving

An application with enough features to ease every task of a customer becomes their first choice as they don’t want to waste their precious time shopping. The loading time of a mobile app is 1.5 times faster than the website and the app will show the whole inventory in the blink of an eye.

Customers only need to select an item, choose the correct size, and pay from the built-in wallet to buy an item and they already saved their delivery details in the app so now they just have to wait for the parcel. Fast mobile app delights your customer and they will shop again from your store in the future.

If you want to develop your project Then

Request A Quote Here : Food Delivery App Development

Request A Quote Here : Salon Booking Mobile App

Request A Quote Here : Postal & Courier Service App

Connect With Us On Social Media:

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#E-commerce App Solution #Ecommerce App Development #Ecommerce App Development Company India #E-Commerce Solution

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rohitpalan · 1 year ago

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IoT Integration: Exploring the Intersection of Embedded Finance and Technology

The embedded finance market is anticipated to expand its roots at a strong CAGR of 16.5% between 2023 and 2033. The market is expected to have a market share of US$ 291.3 billion by 2033 while it is projected to be valued at US$ 63.2 billion in 2023.

The other benefits include the generation of additional revenue streams while increasing the product’s stickiness, and enhanced customer experience.

Get an overview of the market from industry experts to evaluate and develop growth strategies. Get your sample report here @ https://www.futuremarketinsights.com/reports/sample/rep-gb-14548

Key Takeaways:

China’s market also thrives at a CAGR of 17.7% between 2023 and 2033. The growth is caused by the banking reforms and increased focus on consumer inclusivity.

Based on type, the embedded banking segment held a leading market share of 32.1% in 2022.

Based on end-user type, the investment banks and investments company segment perform well as it held a leading market share of 27.2% in 2022.

Competitive Landscape:

Major Players in this Market:

Bankable

Banxware

Cross River

Resolve

Parafin

TreviPay

Balance

Stripe

Request Methodology @ https://www.futuremarketinsights.com/request-report-methodology/rep-gb-14548

Recent Market Developments:

Finix has introduced embedded payments and the vertical SaaS conundrum. The addition of embedded payments is increasing revenue, reducing the payment strike, and easy customer engagement.

Flywire embedded experience is using smart technologies to secure payments without leaving the website.

Key Segments Covered are:

By Type:

Embedded Banking

Embedded Insurance

Embedded Investments

Embedded Lending

Embedded Payment

By End User:

Loans Associations

Investment Banks & Investment Companies

Brokerage Firms

Insurance Companies

Mortgage Companies

By Key Regions:

North America

Latin America

Europe

Japan

Asia Pacific Excluding Japan

The Middle East and Africa

#Embedded Finance Market

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coherent-market-insights · 4 years ago

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Buy Now Pay Later – A Great Product for Customers or a Debt Trap

SEATTLE (May 06, 2021) - Finovate Spring 2021 announced the list of veteran speakers in this year’s conference which included veterans from all across the finance and tech world which include CEOs, retail banking heads, operating partners, etc. This conference is brought to the audience by Informa PLC, a British multinational publishing, business intelligence, and exhibitions group. This event is dedicated to topics regarding financial and banking technology innovations including innovative ideas in fintech, competition on technological innovations, and demos. The conference is organized by Finovate Group, a leading research and events firm focused on innovation in financial and banking technology.

This year, Mr. Raj Shah, the Founder and CEO of Coherent Market Insights, a prominent market research and consulting firm offering syndicated research reports and custom market analysis, is included in this list of Veteran speakers. He will be presenting about the future outlook and share his valuable opinions and insights on "Buy Now and Pay Later Industry." The Buy Now and Pay Later Industry is expected to gain traction in the future as people are seeking alternative methods of financing during this coronavirus pandemic. The term 'Buy now pay later' (BNPL) refers to the customer taking home their purchase but paying for it over time. The customer is able to receive the item in advance, but pay overtime, including/excluding interest and with no charge for the merchant.

Mr. Shah will be a part of this conference which will be held from May 10 to May 13, 2021 (CST/UTC-6 Time Zone) to offer his unique insights in this space for B2B audience.

To know more about the conference, please visit below links:

https://informaconnect.com/finovatespring/speakers/raj-shah-1/

https://informaconnect.com/finovatespring/speakers/

About Coherent Market Insights:

Coherent Market Insights is a global market intelligence and consulting organization focused on assisting plethora of clients achieve transformational growth by helping them make critical business decisions. The company is headquartered in India, having sales office at global financial capital in the U.S. and sales consultants in the United Kingdom and Japan. Its client base includes players from across various business verticals in over 57 countries worldwide.

#buy now pay later #marker research #business #economy #news #business consulting

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ipglaw-blog · 4 years ago

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Buy-Now-Pay-Later Model Evolves to Boost eCommerce Amidst the Pandemic

The coronavirus pandemic inflicted a swift massive shock to the global economy with many experiencing job losses, salary cuts, unsteady incomes, and slow business with the compulsive stay at home order. Many Consumers have transitioned to online shopping for the buying of essential goods in order to avoid the risky trip to brick and mortar stores. However, with more cost-consciousness, changed in priorities and behavior, mindful buying, less disposable income as they are being influenced by personal circumstances.

This has geared up eCommerce big players to come up with a solution, the concept of ‘buy now, pay later’ (BNPL) to promote online shopping and transform the eCommerce landscape induced by the crisis.

Well, this payment model is not new and has been existence since ages, the sudden reintroduction didn’t come as a surprise considering the economic distress the world is facing.

What’s the rave about this Buy now pay later(BNPL) that seems to be the hottest in the eCommerce world? It is a payment service that allows consumers to pay later or make payments through installments. It can be used to order anything from food to essential goods where one can pay for it later. A brilliant way to financially empower consumers to make a purchase during this period of crisis.

It all started when Amazon stated lending to retailers in India. It partners with financial institutions to provide SMB loans to retailers in order to keep serving consumers. Only recently, the eCommerce giants pause the loan repayments as a way of COVID SMB loan help amid crisis.

This new shift of lending to consumers will bolster sales and drive e-commerce especially during this pandemic and after. Consumers are loving the deferment of payment method, retailers who are looking for ways to bolster sales and be ahead of the economic crisis are loving this and the BNPL are reaping the benefits. This attractive interest-free payment will likely continue post-COVID 19 and even attract more consumers to ditch the retail stores for online shopping.

A transformation to the eCommerce retail

Several BNPL players have started attracting customers who otherwise would have held a tighter grip on their finances as a result of the pandemic. The likes of Afterpay, Splitit, and also the recently announced ‘Amazon Pay Later’ is experiencing a massive increase as consumers become warier of the old credit cards method.

Retailers alike who are looking to increase sales are bolstering spending among cash restrained consumers. They have been able to win the heart of new consumers who are cash strapped and are presented with the opportunity of paying in installment while avoiding lump sum. In fact, consumers who seem to be financially stable are also taking advantage of this payment option. This has also promoted impulse buying, especially in the fashion world among young consumers. Leveraging the BNPL method by the retailer to assist consumers has no doubt help them to leg up in the highly competitive market space and drive sales.

Experiencing massive growth as a retailer with this payment option didn’t come as a surprise. Cart abandonment has been estimated to be the highest when consumers see their high total costs staring at them at the checkout point. Thanks to the Buy-Now-Pay-Later, consumers can easily jump on the opportunity to make purchase without thinking much about the financial constraint as they could pay with ease. It’s simple, pay on installments later things you cannot afford now. What looks like a simple marketing strategy is certainly a powerful way to not only retain new customers but to also acquire new ones and increase the customer base.

As you provide a seamless, easy experience to your consumers, your business is poise to grow. Plus, retailers that have been hard hit with the pandemic as consumers adopt a conscious approach to spending can brace up and induce consumers with this interest-free financial payments to get them to buy now and not later. Think of it as COVID SMB loan to help businesses make sales during as the world moves towards economic depression.

BNPL gains tractions with consumers

As consumers are evaluating their purchase and seek to balance between managing budget and buying essentials, many are gravitating towards businesses that offer ease, affordability, and flexibility. They are looking to avoid incurring heavy debts from credit card options, personal loans, and high interest. More reasons why BNPL services seem to be more appealing with its low to no interest rates to consumers. Now consumers can make a purchase online, control their debts, and pay at later date with Buy Now Pay Later services.

Advancements in technology have made this approach possible to reduce the risks of fraud or default. Companies have an in-depth understanding of the customer profile as they make use of algorithms to check the eligibility of the potential customers to make payment. Various parameters are put in place such as customer payment history, what is being purchased together with other third-party sources. More businesses including car retailers, fashion, tech giants are adopting this payment method in order to provide their customers with an exceptional buying experience.

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cindylouwho-2 · 4 years ago

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RECENT NEWS, RESOURCES & STUDIES, July 19 2020

Welcome to my latest summary of recent ecommerce news, resources & studies including search, analytics, content marketing, social media & Etsy! This covers articles, podcasts, videos and infographics I came across since the late June report, although some may be older than that.

I‘m still working on Etsy search testing and a few new blog posts and pages for my website, so it is still difficult for me to get this summary out more than 1-2 times a month. All suggestions on solutions to my time crunch are welcome.

If you have an questions, comments or suggestions about my Tumblr or my blog, please contact me here or on my website. I’d love to know what you think!

TOP NEWS & ARTICLES

Latest change from Google: the free Google Shopping listings will now show up in US organic search as part of product knowledge panels. Unfortunately, since they are only doing this for product knowledge panels to begin with, it likely won't help handmade sellers, but could be useful to sellers of vintage & supply items that are known products that will have a knowledge panel. It may be a sign that they are planning on moving free ads to more Google "surfaces" over time, however. Note that it appears that all product knowledge panel ads will be free starting this summer (US only), so that means that any Etsy paid ads for these types of items will become free ads that you won't have to pay EOA fees on if you get a sale. Google claims the free ads are bringing more searcher engagement to Shopping.

Amazon announced they will begin to show US sellers’ business name and address on the Seller Profile page as of September 1. The same requirement already exists in Europe, Japan and Mexico.

The USPS will no longer be delivering mail as promptly every day, to cut costs. This potentially affects anyone shipping to a destination in the United States.

How 7 different companies grew profits during the last recession - there will still be business opportunities during the upcoming recession, but you have to be positioned to take them.

ETSY NEWS

Etsy Labels no longer offer USPS international shipping options for all packages under 4.4 pounds other than Canadian orders, replacing them with the Global Postal Shipping Program (GPSP). Many US sellers dislike the GPSP, and have moved on to outside providers that integrate with an Etsy shop and other services, such as Pirate Ship, Shippo, Stamps, and Shipstation.

The quarterly category & attributes updates are limited to face mask & hand sanitizer attributes for July. Etsy also made some other minor updates recently, including allowing us to set a message auto reply for up to 5 days.

You may have noticed that Etsy is really pushing Etsy Ads on sellers right now, despite the numerous complaints about the average cost per click becoming far too high last year. I’ve turned mine off permanently, but if you are interested in trying them or fine-tuning them, Etsy released an article and a related podcast with a transcript.

Louisiana and Mississippi have been added to the list of states that Etsy collects sales tax from.

Etsy raised fees on Reverb to 5%, “to make further investments on behalf of our sellers.”

Etsy will release the second quarter results on August 5. We already know that April and May were record-setting, and June was also probably pretty good.

The site has continued to receive decent media coverage for the mask initiative; Etsy is mentioned in several articles/broadcasts a day as a place to get masks, including stylish ones. This article briefly interviews a seller and looks at what Etsy will do next, as the mask demand peak might be over.

Now that people think of Etsy for things like face masks, Etsy is continuing to market itself as a place to buy everyday items, something it shied away from for a few years. (Remember when Etsy was all about “owning special”?) They’ve added “Everyday Finds” links & Editors Picks pages, and have published tips on what pandemic shoppers are looking for. (Note that the year over year values compare this April to last April, and so were during peak lockdown for the US.) “Keeping surfaces clean is top of mind these days, and shoppers are searching on Etsy for many types of cleaners, from all-purpose scrubs to washable sponges...134% YoY increase in searches on Etsy containing “ceramic sponge holder.”...”74% YoY increase in searches on Etsy containing “mug”...”352% YoY increase in searches on Etsy containing “diy”.

Please correct me if I am wrong, but this page on the search and ads algorithms appears to be relatively new.

SEO: GOOGLE & OTHER SEARCH ENGINES

The sea change in online buyer behaviour during the pandemic may mean that you need to update your keyword research. Keyword volumes have changed, some very dramatically. For example “‘adult bikes’ shows a massive upturn.This represents over ten times as many searches for this term compared to just under a year ago. If you projected this back in 2019 you’d probably be laughed at.”

Speaking of keyword research, if you need a refresher on why you should do it and how to approach it, here is a recent article.

There are many different ways to get backlinks; here are a few that are pretty easy [video & text].

Are longer blog posts better for SEO? Not necessarily, as long as you cover the topic well. The exception is that blog posts under 300 words are usually not worth writing.

Most SEOs think there was an unannounced Google update around the third week of June. Some are reporting that sites that specialize made gains, as opposed to those who have more general material. That same study reports Etsy had one of the largest traffic increases, but not as much as Pinterest (I’ve been seeing a lot more pins when Googling lately, so this seems likely.) Government websites also seem to have received better visibility. “As Google has described in their document on how they fight disinformation, they describe that their systems are designed to prefer authority over other factors “in times of crisis”. If this truly is related to what we saw happen in June, these changes could possibly be reversed once the worldwide pandemic situation improves.”

Bing released a few basic tips on how to use its keyword planner.

(CONTENT) MARKETING & SOCIAL MEDIA (includes blogging & emails)

TikTok has moved out of Hong Kong, while the US government may be looking at banning them, following India’s move on July 6. With TikTok in peril, many people are now downloading its competitor Byte.

If you use Facebook for your business, please read up on the changes required to comply with California’s new privacy law.

Instagram is now testing an Instagram Shop tab, which allows users to filter by category.

Twitter is planning on starting a subscription service, but deleted some of the details from the job listing just hours later.

One of the results of the big Twitter hack on July 15th was Google removing the Twitter carousel from its search results.

Pinterest searches involving Christmas started way earlier this year, with a 77% increase YOY in April. “That includes a 3x increase in searches for “Christmas gift ideas”, while other queries like “holiday recipes” and “Christmas” were up more than 90% and 80% respectively.” These are good stats for marketers to have, helping us decide when to release and promote new products.

ONLINE ADVERTISING (SEARCH ENGINES, SOCIAL MEDIA, & OTHERS)

Spending too much on Facebook ads? Here are some common mistakes and some suggestions on fixing them.

If you already know that ROAS stands for “return on ad spend” then some of this article may be old news to you.

STATS, DATA, OTHER TRACKING

If you are using Google Shopping with your website, be aware that the Google bots may be inflating your abandoned cart rate.

Google Analytics can help you track the effects of changes to your website, or other business conditions. You can also get alerts when certain types of events happen, or when traffic is abnormal.

ECOMMERCE NEWS, IDEAS, TRENDS

Walmart is expected to launch Walmart+, similar to Amazon Prime, this month. But note that while many brick & mortar businesses are now doing a lot more business online, it is more expensive for them.

For those of you who use Stitch Labs, they have been purchased by Square, and the existing services will likely be cut in 2021.

Deja vu for Etsy sellers - eBay was apparently offering incentive payments for signing up for their new Managed Payments system by mid-July. (Etsy did the same with its Etsy Payments system, but only for Americans.)

Is Amazon Handmade as good for small makers as it claims? Maybe not. If you sell on Amazon, consider these strategies to protect your core business from being swamped by the big A.

Wix has introduced an ecommerce version with a lot more options and integrations.

Shopify’s new “Shop” app has some good features but also some issues. [podcast & edited transcript]

BigCommerce filed to go public, and added Ayden as a payment option. More details on the Ayden move here.

Did you know there are sites you can use to sell your ecommerce business? Here are 10 of them.

BUSINESS & CONSUMER STUDIES, STATS & REPORTS; SOCIOLOGY & PSYCHOLOGY, CUSTOMER SERVICE

US ecommerce sales are now expected to grow 18% this year, while overall retail is predicted to be down 10.5%. “In a pandemic economy, consumers have gravitated toward trusted and reliable retailers. As a result, we can expect the top 10 ecommerce retail businesses to grow at above average rates (21.8%). Amazon will gain US ecommerce market share this year, while Walmart's accelerating ecommerce growth will take it to the No. 2 position for the first time.”

Fear of missing out (FOMO) is a factor you can use to drive sales; here are 6 tips.

Generation Z is acutely attached to internet use, and is more likely to be planning on starting their own business than any other generation.

MISCELLANEOUS

It’s possible that the increase in people working from home will lead to more work hours and therefore more burnout.

#search engine optimization #etsynews #content marketing #smallbiz #ecommerce

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xexilia · 5 years ago

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I notice when you do your comics, it applies a certain level of toner. I ended up deciding on the route of using paint brush india ink, and charcoal for toner instead. Does this aesthetic difference change the marketability of graphic novel, compared to just using toner? In the context of the prologue in this web comic, it is used to denote a fog atmosphere. In the upcoming chapter, I might use it for graveyard fog.

I think first I need to establish that what you mean by “toner” is “shading”?

I do use tones, but tonER is the stuff used in and by physical printers. Print tones refer to the dots, lines, etc. that are present in the majority of my work and that Roy Lichtenstein emulated in his paintings. Tones are dots because that’s how printers print; Thousands of dots. The closer together, the more solid the shade or color is. I’m not trying to correct you on terms, but knowing this difference will help you later because I promise, if you buy toner online and expect to get tones, you’ll be disappointed by what arrives in the mail!

So, I think you’re falling into a common trap webcomic artists make in the beginning, which is focusing on the wrong parts of the project. You asked me if this changes marketability; But you didn’t tell me:

What medium do you want to publish in? Do you want to ONLY have your comics online, or do you want to print them?

Who is your target audience and age group?

Do you want to sell or profit off your webcomic?

The first question is important because far too often, webcomic artists design for the web/screens first, foremost, and only; Later, they decide to print a book, and this is when all hell breaks loose. Lots of media (Charcole, watercolors, etc.—media is the art term for materials) can look both better OR WORSE on a screen—this is where technology comes into play, like the scanner you have, the DPI (dots per inch) its able to scan things in at, and the size of scannable area. A lot of my favorite media and mediums (I like pencil on paper), are really delicate drawings—and like a lot of artists who favor these materials, scanners just never seem to do them justice. Lots of fine artists I talk to admit that they feel their work looks best in person, and no matter how high the quality scanner, small, delicate details get lost. Part of it can be a cheap scanner, the wrong DPI setting, but the other part can be the wrong medium (That’s the term for things like canvas or paper), or the wrong SIZE medium.

Size matters; Both in terms of the scanner surface area AND the size of your medium. A lot of people (And I did this myself for a lot of the first book), work on standard size paper—8.5 by 11 inches; But professional artists, print or not, are always better off to work at a LARGER size than the end result will be. When I printed my book, I didn’t come out too terribly for the size I worked in, because manga book page sizes are smaller than their American counter parts. I also knew I planned to print from the first page onward, so everything was designed for print first and web second—this is much easier and less time consuming to do than the reverse, because a lot of print errors can occur that don’t appear on screens—and literally can’t—and can take hours, days, weeks or more to fix, depending on how bad and common the issue is and how many of your pages have this problem. A big one is called moire, which DOES NOT show up on screens; This happens when an artist applies on tone directly over another. Because most of us work digitally these days, it’s even easier for artists to start doing this and not realize the consequence until you print a book. . .and discover all places where tones overlap create this weird square pattern within them—which is called moire. This is why it’s critical to use separate tones for different shades and such, because unlike solid color printing, you cannot overlay tones like you would layers in Photoshop or other such programs. Ignore this at your peril!

My first suggestion before you go to far is; Of you want to ever, EVER print this, print out a copy of a page at home. Even if you’re happy with it, consider how you may be printing or mass producing these things; If you’re going to make them via a copier at Kinko’s, take a page down to a copier at Kinko’s and see what quality you get. If you don’t like it at full size to the ratio you worked in (In other words, printing on the same size paper you created it on), you can get some improvement by using smaller pages—but going UP in page size will cause quality to drop. I now work on paper—digital or not—that’s always 11 by 17 inches AT LEAST. For anything I make, I try to work in a size 3 to 4 times larger than the end result will be.

When I first began, I made my comics with a copier at Kinko’s, and discovered while my ink wash method looked good, it looked better with color printing; Color printing is ALWAYS more expensive, hence why when digital comic creation tools (Like Clip Studio) got invented, I was an instant convert! It saved a lot of time and money (Tones and such are all expensive), the environment (No trees died for my drawings), effort (Tones are REALLY tricky to work with by hand), and it’s no wonder that manga artists now are nearly ALL working digitally.

Also, for the disabled (Like me), digital allows us to work from beds, at home, etc. instead of in front of a desk, all hunched over. I don’t accidentally smudge ink, my cat doesn’t drink my ink (Yes, it’s a thing cats do!), and if I mess up, the power of Undo/Redo/Copy/Paste/Transform CANNOT be understated. I’ve mentioned it before, but I believe in working smarter, NOT harder. This is why I draw out a lot of backgrounds (Which you can’t see on the free copies online, but you can if you buy a physical copy or the Amazon eBook), separately, and I can just drag and drop them around as I need. That way, I can focus on drawing the characters and not on drawing a giant cathedral for every damn appearance it makes or scene change I do.

As for marketability; A lot of this depends on your target audience and age group. Even so, people tend to grow to like something even if it may be atypical of the general stuff they like. I’m generally not a fan of shoujo-ai—but many of my favorite anime and manga ARE in this genre! Turns out, if the story is good, I don’t care about the sexuality of the characters!

A lot of people expect or want color comics these days though, which is odd to me, since the manga produced in Japan is in black and white (Color printing is expensive—even for a major publishing company!) People still read it, and those who expect an artist to make a free webcomic with color pages and update several times a week or month aren’t aware of the time, effort, or consequences. Generally; No, they will NOT buy a book they’ve read for free online (As much as people love to say to support us creators, they rarely actually do), and they damn sure won’t pay for the extra cost of color printing. If you want to see the difference, check out Ka-Blam comic printers and do a price comparison between printing pages in color versus black and white.

Yes, there are people who do a Kickstarter and such and get these funds up front; They are exceptions, not the rules. Consider them—and most artists who make comics or art they make of their own choosing (Not commissions, but only originals), the same as you might someone who plays a sport and decides that they are GOING to play professionally for some orginazation or team—which is, they are counting on being in this LESS THAN 1% of their field. Yes, some people pull it off; The vast majority don’t—and skill isn’t the biggest factor in the end. Just like an athlete with all the promise in the world can have their career ended before it’s begun by an injury that never heals right, art itself is a career path with MANY hidden pitfalls and problems—and health is a major one. Too many of us don’t eat right, don’t exercise our bodies and minds, and so on; It adds up. I personally really recommend a diet with a caloric/carb intake ratio that works within your activity levels; In other words, if you’re determined not to work out (Which—don’t make this mistake), you can’t eat as much as you’d like—not only will you gain weight, but it impacts your health health, your blood sugar—it can be a recipe for an early, but preventable, grave or a LOT of suffering that could be avoided. I try to jog at least two miles a day, meditate daily, and really put my health as the main focus in my life—even before my art. I can’t draw anything or write more stories if I’m dead, after all, and I can’t produce my best work if I’m not in the best condition I can manage. With an autoimmune disease, there’s only so much I can do or control and I’m often still very sick and in a lot of pain; But I still do all I can to run or walk two miles—at least, and even if it takes me an hour or more—and to keep my heart rate at 120 beats per min. when I do. There’s a lot of days where this is about the ONLY thing I can manage and where my pain is so bad I cry and cry—because right now I don’t have a lot of means of relief; This doesn’t happen to everyone, but it means that health—no matter what you do in life—can make or break you at times. Audiences aren’t always understanding of these circumstances and yes, ones career can dry up as a result. Just because someone manages to play for the sports team of their dreams doesn’t mean their health can’t or won’t turn on them, or a serious injury will end their career; We do not live in a world where people will continue to support you because of a series of or singular unfortunate event.

This brings me to the last point, which is if you plan to sell or profit off your work; We all want to, but often making sales can come at the cost of producing something that we, as the creators, really love or are passionate about. I decided from the jump that, while profiting was nice, I’d much rather make the title I wanted to make rather than the one that sells the most copies; If I were concerned with it, trust me, Eternity Concepts would be a wildly different story, with different art, etc. I’d have written a formulaic story that was entirely predictable and changed so many aspects, you’d never recognize it; Manga fans tend to be teens, so I’d have made the cast all teenagers! It’d be set in school! Someone might magically transform to fight evil or some such thing.

I didn’t want that; If you do, there’s no shame in that, but audiences will keep buying and reading what we keep producing, and if we’re too afraid to take a risk on a chance that our story won’t make a dime—because making a dime is the most important part for you—then we can’t be surprised when it’s what people keep buying—because we aren’t even attempting to sell anything else.

Publishing houses (With novels and such) can be really guilty of pushing for changes based on market research; The thing is, the research is often based off past sales of what’s already in the market. Plenty of novels that became classics and best sellers got rejected for years and years until a publishing company was willing to take a chance and discovered that people can, will, and do enjoy new and different things. They might also do market focus group testing—but these are small sample sizes of average people—and your audience may NOT be average people.

All creative pursuits involve risks, at the end of the day; You just have to decide what rewards you want or are willing to sacrifice if you take them.

As for aesthetics, there’s no accounting for taste and I’ve seen plenty of paintings I hated sell for insane amounts of money, plenty of art styles I hated become popular titles, etc.

I will say this; When I, PERSONALLY, see a comic with tones or color, usually that’s digitally produced (It cuts out the need for a scanner!), it looks to me like it’s professionally made—by someone who is on their way or already at such a level.

While a lot of newer artists try to make do with other materials, again, the world is not a kind place and making do is just that—making do. Yes, there are a million and one reasons why one can’t get their hands on better or more professional materials—but sadly, people don’t want to hear excuses, and many successful artists got their tools by working jobs they hated, saving up, living in their cars—making major sacrifices to get to where they are now. There’s no easy road or shortcuts to the end; Yes, I do, sadly, think the mixed media approach you’re trying won’t be favorable towards your marketability—but I could always be wrong (Look at how many MS Paint comics made it big!) There’s a first time for everything.

Comics, though, is also about production speed, and traditional materials can come at the cost of working quicker. I’m a big fan of suggesting people save and wait and invest (And it IS an investment) in serious materials and tools if they wish to be seen and taken as seriously; This means making sacrifices and at the end of the day, plenty of people still won’t like what you make, no matter what tools you have or plot you employ. The person who NEEDS to like it most? . . .Is only you.

You cannot please all of the people all of the time, and the faster you accept that, the happier you’ll be with what you make.

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t-e-c-l-a-r-e-i · 5 years ago

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Reasons To Drink Tender Coconut (Health Benefits)

Summer is over, and it is supposed to be rainy season – however rain is not on time in maximum of the us of a and warmth wave keeps. Excessive temperature method better dehydration and higher the want to eat drinks. What you drink makes loads of distinction to your fitness, pockets, and the usa as an entire. India is a land of agriculture. Most states, mainly in the south have substantial coconut farms, and our towns have an awesome deliver of fresh tender coconuts. But, a massive populace of indians, especially that of youngsters are blissfully unaware of fitness advantages provided via gentle coconuts and are closely tuned by means of advertisements to assume it's far cool to drink aerated liquids. In this submit, allow us to make an try to apprehend why tender coconut is one hundred times higher than any factory-produced tender drink. Read it, then decide for yourself. Why smooth coconuts as opposed to smooth drinks? Reasons to shift to soft coconut from tender liquids

1] smooth coconut is natural. It's miles no brainer that some thing direct from nature is a ways higher than a manufacturing unit produced meals product. The manufacturing unit produced, industrial meals and drinks may have plenty of unhealthy chemical compounds delivered to boom their shelf existence, improve the taste. Aerated beverages are filled with a excessive amount of sugar, phosphoric acid, among others. Smooth coconut, however, is completely natural, plucked from the tree and transported to stores near you. Recommended studying for you! From farm to flush what does our meals price from farm to flush: what does our food cost?

2] smooth coconut is plastic loose. All commercially made aerated beverages purpose pollutants- the tetra-packs, plastic bottles, tin cans in which they are served will emerge as as trash and usually taken to landfill, inflicting huge pollution as they take years to decompose. There aren't any effective measures in india as of now to recycle these materials. That is in addition to the huge amount of water and air pollutants precipitated for the duration of their production

soft coconut, on the other hand, is fully green. Once fed on, the shell can be used for fire or maybe if thrown away, it'll decompose speedy. The usage of straw is horrific, however many carriers are now offering paper straws rather than plastic ones. You could additionally drink tender coconut with out the use of a straw. Sparkling soft coconuts cell prison

three] tender coconut is rich with electrolytes, vitamins. Evaluate elements of an aerated drink with vitamins of smooth coconut water, and the later will continually turn out to be the winner. Soft coconut water incorporates plenty of minerals- sodium, potassium, calcium, carbohydrates, and extra. Coconut water is on the spot energizer and rehydrator.

Four] buying tender coconut helps our farmers. Buying aerated tender liquids simplest advantage massive corporates. Buying tender coconut directly helps our farmers who're dependent on agriculture and might’t fight large corporate.

5] gentle beverages are overpriced; tender coconut isn't. A bottle of aerated drink sold for rs 20 is synthetic for a cost less than rs 1.

Rest of the money is for celebrity endorsement, advertising and marketing cost, and sheer income. The cash you pay is used to create a false impression that ingesting a soft drink is cool – through the use of celebrities and punctiliously crafted advertising and marketing campaigns. All aspect consequences are cleverly suppressed, and the minds of teenagers are hijacked into buying increasingly more of these bad drinks. Whilst you pay approximately 40-45 rs to a tender coconut seller, about 20-25 rs goes to the farmer who grew it; the intermediary takes round 10-12 rs for his transportation expenses, approximately eight-10 rs goes to the neighborhood dealer. Observe that smooth coconut is a perishable commodity, unlike soft beverages. Lots of unsold tender coconut move waste as they get ripe. There were many events where the nearby dealer bought masses of clean soft coconuts, but sales dropped because it rained and the weather got cooler. The paper straw fees your supplier approximately a rupee every- if you can convey your very own straw or discover ways to drink with out a straw, it saves him a rupee and allows the environment a chunk extra united states of america

6] smooth coconut is really delicious. If you’ve no longer tasted one yet, then do right now. Of direction, the taste varies from area to vicinity, depending on type/age of smooth coconut as it is a natural product and no longer manufacturing facility made. But all everyday users of tender coconut unanimously agree that consuming a soft coconut is far more clean, tastier and energizing than any aerated soft beverages. Don’t agree with the flashy classified ads which display drinking tender drink is cool, clean. They're absolutely fooling you.

7] tender coconut can reduce the danger of sicknesses like kidney stones, high bp, and so on. Soft coconut water has plenty of medicinal residences. It may reduce the risk of kidney stones, high bp, and numerous other ailments, because of rich minerals. Consequently drinking tender coconut often not simplest keeps you fresh and lively, but you will also keep on fitness expenses. Just do a google search for your self on all of the aspect outcomes of soft beverages.

Eight] gentle coconut is anti-oxidant. Anti-oxidants are materials that save you gradual damage to our frame cells due to radical elements.

Nine] there’s no celebrity or company to assist and sell gentle coconut- we want to do it. We are ignorant approximately tender coconuts due to the fact not like smooth liquids, there's no large enterprise backing coconut farmers. No superstar has been paid to say on television that you need to drink coconut water. It's miles in our very own interest that we learn the positives of tender coconut water and aspect effects of smooth drinks and make a healthful selection. Soft coconuts help farmers

The End

10] smooth coconut is available all 12 months round. Unlike some other herbal liquids which includes fruit juices, coconut grows everywhere in the yr and is to be had for the duration of the yr. Now not simply in india, numerous asian nations, specially around the tropical belt, have very good availability of tender coconut. Apart from india, thailand, malaysia, indonesia have massive gentle coconut farms. Thailand exports clean soft coconut to dozens of nations round the world, such as the usa. While it's far great to drink from a herbal soft coconut, smooth coconut water is now also available in tetra packs and sold in supermarkets. This may be the next first-rate thing if you don’t find a actual soft coconut seller for your metropolis. So what are you awaiting? Ditch that tin can or plastic bottle of soft drink and look for a soft coconut seller on your way domestic. Lengthy stay you, long live soft coconut.

#health #lifestyle

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