Circular economy: Increasing trend in the use of second-hand goods (+50% in Europe) and development of fractional payment as a lever for responsible consumption for 74% of French people.

[Croix, July 4 2022] – Oney, leader in fractional payments in several European countries, has surveyed a representative sample of the French and European population (France, Spain, Portugal) in partnership with Harris Interactive for the second edition of its barometer of better consumption, this time dedicated to the circular economy. Today it is a certainty: Europeans have become attentive to their consumption, whether it is to be careful not to buy products and services they do not need, to buy sustainable products or to reduce their daily consumption. In 2022, product sustainability will become an essential criterion for their purchases, as will price, no doubt reinforced by the inflationary economic context. The second-hand market has gained 50% in popularity in one year and half of Europeans want to use it more this year. To accelerate this dynamic, price, trust and associated services, particularly in terms of payment, appear to be key levers. 

  • 86% of Europeans (82% of French) say they are ready to change their daily consumption in order to protect the environment
  • 3⁄4 of Europeans (85% of the French) say they have alreadỳ chosen second-hand products rather than new ones when shopping in the last 12 months: mainly for the purchase of leisure and cultural products and furniture
  • On average, over a year, Europeans spend €301 on second-hand products (€277 for the French).
  • The secondhand market has gained 50% of new buyers in one year
  • In the next 12 months, half of the Europeans plan to buy more often second-hand or reconditioned products (53% for the French).
  • 76% of Europeans (74% of the French) would buy more second-hand products if they could pay for them in installments.


Today, nearly 9 Europeans out of 10 (82% of the French) are ready to change their daily consumption, in particular by being careful not to buy products and services they do not need (91%), by buying sustainable products (90%) or by reducing their daily consumption (87%).

Over the last 12 months, 2 purchasing criteria are becoming more and more considered by Europeans as determining factors in their consumption, firstly the fight against waste and the sustainability of the product. Among the criteria of responsibility, the reduction of the carbon footprint of products purchased is less important for Europeans.

In 2022, 90% of European consumers are particularly attentive to the sustainability of products (91% for the French) and are more specifically so when it comes to household appliances or high-tech products (telephone, computer etc.).


With 3 out of 4 Europeans having chosen a secondhand product rather than a new one over the last 12 months, the choice of reconditioned or second-hand products is now an established behavior among Europeans. A more responsible commitment for the planet but also for oneself in a context where consumers have a perception of decreasing purchasing power since the beginning of the year. This is even more pronounced in France where 85% of respondents have already bought second-hand/refurbished products, compared to 78% in Portugal and 73% in Spain.

One of the repercussions is the increase in sales on online sites and second-hand stores, a market that has grown significantly over the past year with an increase of 50%. Today, Europeans spend an average of €301 per year on second-hand products (€277 for the French) and €297 on refurbished products. These purchases are mostly for leisure, cultural, furniture and decoration products.

Next year, this trend should continue to grow: more than half of Europeans want to buy more second-hand products (53% for the French), especially in the home and leisure sectors:

  • Furniture and decoration 32%
  • Leisure and cultural products 31
  • Do-it-yourself and gardening products 30
  • Clothing and shoes 30%
  • Household appliances 30


For the past 12 months, second-hand products have been purchased online, on sites that allow buying and selling between individuals or on Internet purchasing platforms (41%). A market that is evolving rapidly and where established brands are gaining in notoriety, but for which consumers, especially those who do not yet make such purchases, would mostly trust physical retailers (75% of Europeans and more than 80% for the French).

While the rise in inflation is developing in a context of perceived weakened purchasing power for Europeans since the beginning of the year, the price and durability of products are even more decisive in the decision to buy second-hand products (89% for the French), customer support, trust and quality of service remain essential criteria. Thus, 76% of Europeans (74% of the French) would buy more second-hand or reconditioned products if they could pay for them in installments.

Inventor of the first fractional payment solution by bank card 14 years ago, and leader in France and in several European countries, Oney has adapted its solutions to all consumer universes, for all types of businesses and for all sales channels to support online and physical merchants in their development thanks to the best fractional payment solutions (BNPL / Buy Now Pay Later) on the market.

As a partner in the transformation of commerce for nearly 40 years, and an ally in the daily lives of consumers, Oney launched the European Barometer of Better Consumption in 2022 to analyze major trends. Today, the second edition of the European Barometer in June 2022 focuses more specifically on the challenges of the circular economy.

Methodology applied for the 2nd edition of the European Barometer of Better Consumption by HARRIS INTERACTIVE for ONEY
Online survey from June 3 to 10, 2022, in France, Spain and Portugal with a sample of 3,092 people, aged over 18, representative of each country. Representativeness ensured by the quota method and an adjustment applied to the following variables: gender, age, region of residence and income level of respondents in each country. 

About Oney :

We are a different, unique commercial bank. We draw on our original positioning and the expertise we have developed over 38 years to design innovative payment solutions and financial services. Every day, our 2,600 talented people around the world reinvent the bank, for the benefit of a more human relationship, with the mission of “Enabling everyone to improve their daily lives and consume better”. With our 13,000 merchant and e-retailer partners, we support the projects of more than 7.8 million customers in 12 European countries by offering them memorable shopping experiences in stores and online. Since 2019, we have two shareholders: BPCE with 50.1% and Auchan Holding with 49.9%, bringing together the best of banking and retail. Within Groupe BPCE, Oney is evolving within BPCE Digital & Payments, a new division bringing together payment, digital and data expertise.

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