PROSPECTS AND OPPORTUNITIES
Recovery could bring significant opportunities going forward
Sustained economic recovery, combined with continued government-backed lending programmes and increased player focus on digital innovation, could create favourable conditions for growth in lending. Ukraine’s post-war reconstruction will demand extensive investment and financing, and will be a crucial determinant of the consumer credit category’s long-term prospects.
NBU’s regulatory oversight of the market will prioritise balance between growth and responsible lending practices
Ukraine’s consumer lending market is likely to remain dynamic, supporting growth for the consumer credit category, driven by rising incomes and a shift toward online instalment plans and BNPL options. However, the market's future will depend heavily on the trajectory of inflation and the ability of consumers to manage debt levels.
Mobile-first lending likely to take off
Consumers, particularly those seeking smaller loans for personal consumption, are increasingly turning to online platforms and mobile applications for their credit needs. This will persist in 2025 and beyond, supported by high smartphone penetration and an increasingly tech-savvy local consumer base.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Ukraine with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Ukraine, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in Ukraine report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in Ukraine?
- What are the major trends key to understanding Consumer Credit in Ukraine?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in Ukraine - Category analysis
KEY DATA FINDINGS
Unprecedented uncertainty shapes the market
Decreasing interest rates stimulate new lending
Ukrainian consumers embrace digital lending and BNPL options
Recovery could bring significant opportunities going forward
NBU’s regulatory oversight of the market will prioritise balance between growth and responsible lending practices
Mobile-first lending likely to take off
Consumer Lending in Ukraine - Industry Overview
Consumer lending in 2024: The big picture
2024 key trends
Government mortgage programme as key growth driver
Increased investment in digital innovation
What next for consumer lending?
DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy buy this report?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
- Inform your marketing, brand, strategy and market development, sales and supply functions
This report originates from Passport, our Consumer Credit research and analysis database.
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