The growing popularity of "DtoC" is accelerating

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"DtoC is a business model in which a company does everything from manufacturing to sales, without using any intermediaries."
According to eMarketer, DtoC e-commerce sales in the United States in 2020 were estimated at 17.8 billion US dollars (approximately 2 trillion yen), up 24.3% from the previous year.
The reason for the increase is that manufacturers and other brands have shifted to sales methods that do not rely on retailers, due to the impact of the COVID-19 lockdown, which led to the closure of physical stores and the bankruptcy of department stores and major apparel companies.

The report also notes that the establishment of private brands in the United States is accelerating DtoC. In
a consumer survey conducted in 2020, 90% of respondents considered private brands to be of equal value to traditional brands, and in the United States, private brands that "sell cheap, high-quality products via e-commerce" seem to be accelerating DtoC. In addition
, the D2C business model, in which brands china whatsapp data such as manufacturers sell products directly to end users via e-commerce, has great benefits as a way to directly and deeply understand end user preferences, and is likely to become even more widespread in the future.

(4) Expansion of "BNPL" services
According to the Wall Street Journal on December 30, 2020, millions of American consumers have avoided credit card payments and turned to BNPL payment methods amid the tough situation caused by the COVID-19 pandemic. Furthermore, an
Adobe report from April also announced that BNPL payments increased 215% year-over-year in January and February 2021, and 166% in March.
The payment method BNPL, which is unfamiliar to Japan, is likely to become more widespread in Japan in the future.
The diagram below shows the flow of the BNPL payment method.

BNPL concept diagram

First, ① a user (consumer) selects to pay with "BNPL" when purchasing a product online.
② The BNPL operator presents payment methods (lump sum, installments, etc.) and the user decides which method to use.
③ The BNPL operator makes the payment on behalf of the retailer (affiliated store).
④ The BNPL operator collects a payment fee from the retailer, which is deducted from the product price.
⑤ After confirming the payment, the retailer ships the product to the user.
⑥ The user pays the price to the BNPL operator under the specified conditions.

BNPL (Buy Now, Pay Later) is a new payment method that is used mainly in e-commerce, where you literally "buy now, pay later."
Credit card payments are also deferred payments, but BNPL has the advantage of being less strict in credit checks than credit cards, and users are not charged interest or fees, so it has grown significantly since the COVID-19 pandemic.


The benefit of BNPL for businesses is that it reduces the number of abandonments when consumers enter their credit card information when purchasing products online. Also
, consumers need to be approved for credit cards and have a bank account to have a credit card, but with BNPL there are no such barriers.
Furthermore, there are various methods of deferred payment, such as lump-sum deferred payment and short-term installment payments (Pay in 3/Pay in 4), all of which have zero fees, so there are great benefits for users as well.
BNPL payments are attracting a lot of attention in Europe and the United States as one of the growth businesses of the future.

[xylanth]

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