{"id":4558,"date":"2025-01-16T23:35:31","date_gmt":"2025-01-16T23:35:31","guid":{"rendered":"https:\/\/regular-investor.com\/?p=4558"},"modified":"2025-01-16T23:35:34","modified_gmt":"2025-01-16T23:35:34","slug":"bisnis-paylater-alami-pertumbuhan-tiga-kali-lipat-melebihi-kartu-kredit","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/01\/16\/bisnis-paylater-alami-pertumbuhan-tiga-kali-lipat-melebihi-kartu-kredit\/","title":{"rendered":"Bisnis Paylater Alami Pertumbuhan Tiga Kali Lipat, Melebihi Kartu Kredit"},"content":{"rendered":"\n

Pertumbuhan Luar Biasa Sektor Paylater<\/h4>\n\n\n\n

Sektor paylater atau Buy Now Pay Later (BNPL) mengalami pertumbuhan yang signifikan, mencapai tiga kali lipat dibandingkan dengan kartu kredit. Pefindo Biro Kredit (IdScore) melaporkan bahwa pengajuan fasilitas kredit BNPL telah mencapai 48,4 juta per Oktober 2024, sementara kartu kredit hanya mencatat 13,9 juta.<\/p>\n\n\n\n

Perbandingan Pertumbuhan Paylater dan Kartu Kredit<\/h4>\n\n\n\n

Dari sisi pertumbuhan, penetrasi kredit paylater menunjukkan peningkatan yang mencolok dengan pertumbuhan sebesar 28,64 persen. Kartu kredit hanya tumbuh 3,22 persen.<\/p>\n\n\n\n

Faktor Pendorong Pertumbuhan Paylater<\/h4>\n\n\n\n

Direktur Utama IdScore, Tan Glant Saputrahadi, menjelaskan bahwa ada beberapa faktor yang berkontribusi terhadap pertumbuhan pesat bisnis BNPL dibandingkan dengan kartu kredit. Faktor-faktor tersebut meliputi:<\/p>\n\n\n\n

    \n
  1. Fleksibilitas dan kenyamanan<\/strong><\/li>\n\n\n\n
  2. Penawaran promo yang menarik<\/strong><\/li>\n\n\n\n
  3. Kemudahan dalam proses persetujuan<\/strong><\/li>\n\n\n\n
  4. Desain antarmuka pengguna yang sesuai dengan generasi muda<\/strong><\/li>\n\n\n\n
  5. Integrasi dengan pedagang online atau e-commerce<\/strong><\/li>\n<\/ol>\n\n\n\n

    \u201cYang paling penting bagi generasi muda adalah integrasi dengan transaksi langsung,\u201d ungkap Tan Glant dalam acara Media Gathering di Gedung Bursa Efek Indonesia, Jakarta, Kamis (16\/1\/2025).<\/p>\n\n\n\n

    Tan Glant juga menyatakan bahwa pertumbuhan tersebut didorong oleh integrasi fasilitas BNPL ke dalam layanan perbankan. Hal ini disebabkan oleh semakin agresifnya bank umum dalam memasuki bisnis BNPL, dengan pertumbuhan tahunan yang signifikan mencapai 68,24 persen.<\/p>\n\n\n\n

    \u201cBank umum memiliki kekuatan dana yang lebih besar, sehingga biaya dananya lebih rendah dibandingkan dengan penyedia layanan paylater lainnya. Ini membuat mereka lebih diminati,\u201d jelas Tan Glant.<\/p>\n\n\n\n

    Angka Pertumbuhan dan Proyeksi ke Depan<\/h4>\n\n\n\n

    Per November 2024, pertumbuhan fasilitas BNPL tercatat sebesar 24,53 persen secara tahunan, dengan total nilai portofolio kredit mencapai Rp35,14 triliun. Ke depan, pertumbuhan BNPL diperkirakan akan mencapai 30 persen pada Desember 2025, sejalan dengan proyeksi pertumbuhan portofolio kredit nasional yang juga diprediksi akan mencapai dua digit.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Pertumbuhan Luar Biasa Sektor Paylater Sektor paylater atau Buy Now Pay Later (BNPL) mengalami pertumbuhan yang signifikan, mencapai tiga kali lipat dibandingkan dengan kartu kredit. Pefindo Biro Kredit (IdScore) melaporkan bahwa pengajuan fasilitas kredit BNPL telah mencapai 48,4 juta per Oktober 2024, sementara kartu kredit hanya mencatat 13,9 juta. Perbandingan Pertumbuhan Paylater dan Kartu Kredit […]<\/p>\n","protected":false},"author":1,"featured_media":4560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[8],"tags":[3477,3478],"class_list":["post-4558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-bnpl","tag-paylater"],"yoast_head":"\nBisnis Paylater Alami Pertumbuhan Tiga Kali Lipat, Melebihi Kartu Kredit - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"BNPL mengalami pertumbuhan signifikan, mencapai tiga kali lipat dibandingkan kartu kredit. 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