Today 80% of the e-commerce market is about 10 product categories. Traditionally, digital and household appliances (28.2%), clothing and footwear (21%), tools and gardening equipment (10.2%), furniture and household goods (9.6%) are leading among them. In 2021, these were added to purchases of sporting goods, medical supplies, and payments for education.
The hartloan.com noted that in this and next years the focus of POS lending will be directed to new segments such as clothing and footwear, sports goods, medicine, and education. An additional impetus is the development of POS lending in Internet hypermarkets and marketplaces. Hartloan is confident that these very segments will become the main drivers of the online issuance of commodity loans in the next two to three years.
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