According to a survey of companies that introduced the "deferred payment service," which pays for shopping that is expanding in Europe and the United States, more than 20% of people in Japan usually use it.

"Mercari", a major frima app, has started a service that allows you to pay up to 300,000 yen from the next month onward if you make a purchase with a smartphone payment system or Melpay.

In March, when asked about the payment methods often used by 800 people in their teens to 50s, 91% were cash, 62% were credit cards, and 44% were QR code payments. , Postpay was 23%.

Compared to credit cards and QR code payments, the number of users is still small, but it is higher than that of debit cards.

Regarding the postpaid service, there is a movement to introduce it in Japan as well, and on the 7th of this month, the American electronic payment giant "PayPal" announced that it will invest 300 billion yen to acquire a Japanese company that handles postpaid services.

In Europe and the United States, the market is expanding, especially among the younger generation, but with the spread of online shopping in Japan, the focus is on how far this new payment method will permeate.

Naoko Kuga, Senior Researcher at the Nisseikiso Research Institute, said, "I feel that the service is still in the middle of the penetration path and has room for growth. It is important to understand the amount of money you have spent before using the service." ..

Artificial intelligence independently judges the creditworthiness of users

Of these, Mercari, which has introduced a post-payment service, is increasing the number of users targeting younger generations in their 20s and 30s, such as not having a credit card.

In the case of a credit card, in order to get the card issued, it is necessary to examine the income situation etc., but Mercari's postpaid service does not have such an examination.

From the transaction data of the flea market app, AI / artificial intelligence analyzes whether the product was shipped on time when it was sold, and conversely, whether the payment was delayed when the product was bought, and the user. Judgment of creditworthiness independently.

Based on this, we are increasing or decreasing the amount that can be paid later.

Even college students with low incomes may have a higher limit than office workers who have a stable income if there is no problem with dealings with Mercari.

According to the company, the payment rate for postpaid services is 99%, and by adopting such a mechanism, the risk of bad debts is suppressed to a certain extent.