The profile of the postponed plague user in Spain: consumers over 30 years of age

According to a study by Aplazame, based on its customer base, the majority profile of people who use this installment payment tool in Spain is one person who is over 30 years old.

However, if you go down into more detail, it is found that in a slight proportion men resort more to the deferred payment model than women: 52% of men versus 48% of women, respectively. In addition, the average ticket financed by men is 36% higher than that of women: 460 euros for men compared to 338 for women.

These are some of the conclusions that emerge from the study entitled “The user profile of deferred payment in Spain”. One aspect that emerges from the study is that, although much is said about the revolution of the well-known Buy Now Pay Later (BNPL) Among the younger generations, the truth is that, in its different forms, it continues to be a paid resource for segments of all ages.

not only young

Indeed, the study confirms that the BNPL penetrates younger customer segments and maintains lower average purchase receipts. However, this same model, with the possibility of longer-term financing, is distributed in all age groups, with an average of 30 yearsalmost the same between men and women and with an average purchase ticket of around 450 euros.

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Rachel Garces, CEO of Aplazame declares in this regard: “Although in recent months there has been a very strong penetration in the Buy Now Pay Later (BNPL) trend, where the client does not pay interest, there is still a deeply rooted behavior in instant financing. in the longer term”.

Also, it is interesting to highlight the Penetration of payment in installments in the Spanish consumer. According to data from the Aplazame study, in addition to the formula attracting more and more new customers, the recurrence figures denote a high degree of customer satisfaction. Thus, 40% of financing operations in the last year have originated from users and customers.

Customer profiles depending on the type of product

Where notable demographic differences can be seen is in the profile of users in relation to the type of products they finance with the deferred payment model.

For example, 50% of the financed products in the IT and Electronics segment o 53% of tickets to Concerts are attributed to young people between 19 and 33 years old, while if we go to the Fashion and Accessories and Sports Services sector, up to 56% of financed purchases are made by people between 34 and 48 years. For its part, in the Perfumery and Cosmetics segment, 54% of operations are carried out by people between the ages of 28 and 40.

Something different happens in the Home and Decoration sectorin which 55% of financed payments are made by people aged 41 and over.

In addition, the study shows that between two and three users maintain four or more active credits in the segments of Jewelry, Pet Products, Marketplaces, Perfumery and Cosmetics, Fashion and Accessories, Children’s Products, Toys, Jewelry and Telecommunications.

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