1、The State of Buy Now,Pay Later Apps in Europe 2022 An Analysis of Mobile BNPL App Market Trends in Europe 2022 Sensor Tower Inc.-All Rights ReservedThe State of Buy Now,Pay Later Apps in Europe 2022 Introduction This report,which leverages Sensor Towers Store Intelligence and Usage Intelligence data

2、,as well as our Pathmatics data,explores the Buy Now,Pay Later*(BNPL)app space in Europe.The analysis includes:Download and usage trends from January 2019 through June 2022.Digital ad spend data for selected BNPL advertisers and Finance subcategories.Retention and time spent data for selected BNPL a

3、pps and subcategories.The report is broken down into two main sections:Market Overview:An overview of the main mobile trends for Buy Now,Pay Later apps.Digital Ad Overview:An overview of the main digital advertising trends for leading Buy Now,Pay Later advertisers.Buy Now,Pay Later apps are split in

4、to two main subcategories:Traditional BNPL:Traditional Buy Now,Pay Later apps include firms that focus most of their operations on providing BNPL services(e.g.,Klarna,Clearpay).Other BNPL:Other BNPL apps include Neobanks(e.g.,Monzo,Revolut)or Payment apps(e.g.,PayPal,Curve)that launched Buy Now,Pay

5、Later products.*The terms Buy Now,Pay Later;BNPL;and Point-of-Sales(POS)Financing are used interchangeably in this report.2022 Sensor Tower Inc.-All Rights ReservedTable of Contents04-Market Overview 18-Digital Ad Overview 24-Conclusion An Overview of Top BNPL Apps in EuropeMarket Overview:Europe 20

6、22 Sensor Tower Inc.-All Rights Reserved1KlarnaKlarna Bank ABAfterpay/ClearpayAfterpayLaybuyLaybuy HoldingsAfterPayArvato Finance B.V.MokkaREVO TECHNOLOGIESOpenpayOpenpayTwistoTwisto.czButterButter HoldingsFly Now Pay LaterPay Later GroupTabbyTabby FZ234567891020201KlarnaKlarna Bank ABAfterpay/Clear