Embedded Lending Catches On With Credit-Shy Japanese Consumers

The Embedded Lending Opportunity: Japan Edition

Embedded lending is gaining popularity around the globe. However, Japan’s credit-shy consumers and smaller businesses are using embedded lending much less than their peers in countries such as the U.S., U.K. and Australia. PYMNTS Intelligence’s latest report, “The Embedded Lending Opportunity: Japan Edition,” commissioned by Visa, takes a deep dive into embedded lending in Japan from both lender and end-user perspectives.

Inside the August Data Brief
  • 20%: Share of consumers in Japan who are very likely to switch providers to access embedded lending
  • 86%: Share of smaller businesses in Japan that used embedded lending and experienced friction
  • 5%: Share of lenders in Japan that are highly interested in offering new embedded lending products for consumers

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