Japanese consumers can access a wide range of financial services, such as credit cards, consumer loans, and installment payments for the purpose of purchasing personal consumer goods and services through the consumer credit market. The market is characterized by strong infrastructure and has seen growth in the use of digital payments and cashless technologies as Japan has transitioned away from its historical reliance on cash for everyday transactions. The development of credit card usage for daily purchases like groceries and food, as well as the growth in the adoption of BNPL services among the younger age group, are both emerging trends.