アフリカ＆中東のBNPL（後払い決済）ビジネスと投資機会データブック　2022年第3四半期

出版：PayNXT360（ペイNXT360）　出版年月：2022年8月

アフリカ＆中東のBNPL（後払い決済）ビジネスと投資機会データブック　2022年第3四半期：エンドユースセクタ、運用指標、市場シェア、小売商品力学、消費者層毎のBNPL動向に関する75以上のKPI
Africa & Middle East Buy Now Pay Later Business and Investment Opportunities Databook – 75+ KPIs on Buy Now Pay Later Trends by End-Use Sectors, Operational KPIs, Market Share, Retail Product Dynamics, and Consumer Demographics – Q3 2022 Update

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Report Description

The BNPL payment industry in Africa & Middle East has recorded strong growth over the last four quarters, supported by increased ecommerce penetration along with the impact of economic slowdown due to disruption caused by Covid-19 outbreak.

According to PayNXT360, BNPL payments in the region are expected to grow by 74.6% on an annual basis to reach US$13,053.4 million in 2022.

Medium to long term growth story of BNPL industry in Africa & Middle East remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 36.1% during 2022-2028. The BNPL Gross Merchandise Value in the region will increase from US$7,475.3 million in 2021 to reach US$82,971.0 million by 2028.

Over the past four to eight quarters, the use of buy now, pay later (BNPL) goods and services has steadily increased in the Africa & Middle East region. The e-commerce sector’s explosive rise in the Middle East and North Africa will also help the BNPL market expand. Over the next three to four years, more businesses are anticipated to increase investment and expand their presence throughout the MENA area as the market expands and competition continues to heat up.

BNPL providers are targeting the B2B segment to drive the next growth phase in South Africa

Globally, BNPL providers are targeting the B2B segment to drive the next growth phase after gaining widespread popularity among consumers over the last two years. Similar trends are visible in South Africa, where BNPL providers target the B2B segment in 2022. For instance,

• In March 2022, Payflex and Merchant Capital, the two South African Fintech firms, announced the launch of a cash advance solution that aims to offer credit services to small and medium-sized retailers in the country. Under the collaboration, the firms have launched FlexiAdvance, the service which will offer SMEs access to funding within 24 hours of application.

• In South Africa, Payflex merchants have achieved 30% higher average order values by offering the BNPL service to customers. The new value-added service, FlexiAdvance, is projected to further assist SMEs in accelerating their business growth by accessing funding through the Payflex platform.

As the credit demand among SMEs grows in South Africa in times of global economic uncertainties, PayNXT360 expects more firms to enter into the B2B BNPL segment in South Africa in short to medium-term.

The global pandemic-induced lockdowns and social distancing measures accelerated the consumer shift to online payment and other digital financial services. Following the worldwide pandemic epidemic, markets like Saudi Arabia also have experienced a rapid increase in short-term credit options, such as buy now pay later (BNPL).

While Gen Z and millennials have been the early adopters of the BNPL payment method in Saudi Arabia, the trend is expected to accelerate among consumers across different age groups over the next three to four years.

Domestic BNPL firms are considering regional expansion to drive market share and growth

In 2022, the adoption of deferred payment services is expected to grow significantly, especially in the United Arab Emirates. Consequently, domestic BNPL firms are considering regional expansion to capitalize on the high growth potential of the Middle Eastern BNPL industry. For instance,

• In June 2022, Tamara, one of the leading BNPL platforms based in Saudi Arabia, announced that the firm is set to expand its operations in the United Arab Emirates. Notably, the expansion comes after a February 2022 report from Checkout.com, one of the lead investors in Tamara, stated that BNPL usage is expected to grow by 31% in the next 12 months in the United Arab Emirates.

UAE-based BNPL startups are raising funding rounds to support the expansion of their firm across the region

The BNPL market is expected to record accelerated growth amid growing consumer demand in the Middle East and North Africa region. Consequently, firms are raising funding rounds to capitalize on the trend and expand their market share by extending their presence in more Middle Eastern countries. For instance,

• In March 2022, tabby, one of the leading BNPL players in the UAE, announced that the firm had raised US$54 million in an extended Series B round, which was led by Sequoia Capital India and STV. The GCC region’s sector is still in its early phases, but adoption has greatly increased over the past year, and this trend is anticipated to continue.Consequently, tabby is planning to use the funding round to expand its presence in more Middle Eastern countries.

• In May 2022, Cashew announced that the firm had raised US$10 million from Mashreq Bank. As part of the investment, the BNPL payment platform of Cashew will be integrated with Neopay, the payments subsidiary of Mashreq. Notably, like tabby, the firm is expected to strengthen its presence in the MENA region from the short to medium-term perspective. Mashreq is expected to support Cashew in launching services in Egypt in Q4 2022.

This title from PayNXT360 is a bundled offering, combining the following 9 reports:

1. Africa & Middle East Buy Now Pay Later Insight Brief
2. Africa & Middle East Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
3. Egypt Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
4. Israel Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
5. Kenya Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
6. Nigeria Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
7. Saudi Arabia Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
8. South Africa Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
9. United Arab Emirates Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook

Scope

Country reports in this bundled offering provide in-depth analysis of Buy Now Pay Later industry. Below is a summary of key market segments:

BNPL Market Size and Spending Pattern
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Buy Now Pay Later Operational KPIs
• Buy Now Pay Later Revenues, 2019 – 2028
• Buy Now Pay Later Share by Revenue Segments
• Buy Now Pay Later Merchant Commission, 2019 – 2028
• Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
• Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
• Buy Now Pay Later Accounts, 2019 – 2028

Buy Now Pay Later Market Share Analysis by Key Players (40+Players)

Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast
• Online Channel
• POS Channel

Buy Now Pay Later in Retail Shopping: Market Size and Forecast
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Buy Now Pay Later in Home Improvement: Market Size and Forecast
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Buy Now Pay Later in Other: Market Size and Forecast
• Gross Merchandise Value Trend Analysis
• Average Value Per Transaction Trend Analysis
• Transaction Volume Trend Analysis

Reasons to buy

• In-depth Understanding of Buy Now Pay Later Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028). Understand market dynamics through essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction.

• Insights into Opportunity by end-use sectors – Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.

• Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate BNPL strategy; assess market specific key trends, drivers, and risks in the BNPL industry.

• Get Insights into Consumer Attitude and Behaviour: Drawing from proprietary survey results, this report identifies and interprets key Buy Now Pay Later KPIs, including spend by age, gender, and income level.

目次

1. Africa & Middle East Buy Now Pay Later Insight Brief
2. Africa & Middle East Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
3. Egypt Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
4. Israel Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
5. Kenya Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
6. Nigeria Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
7. Saudi Arabia Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
8. South Africa Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook
9. United Arab Emirates Buy Now Pay Later Business and Investment Opportunities (2019-2028) Databook

All regional, and country reports mentioned above will have analyst comments covering the following tables of contents:

1. About this Report
1.1 Summary
1.2 Scope
1.3 Methodology

2. Buy Now Pay Later Industry Attractiveness
2.1 Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2019-2028
2.2 Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2019-2028
2.3 Buy Now Pay Later – Transaction Volume Trend Analysis, 2019-2028
2.4 Buy Now Pay Later Market Share Analysis by Key Players

3. Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2019 – 2028
3.2 Buy Now Pay Later Share by Revenue Segments
3.3 Buy Now Pay Later Merchant Commission, 2019 – 2028
3.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
3.5 Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
3.6 Buy Now Pay Later Accounts, 2019 – 2028

4. Buy Now Pay Later Spend Analysis by Channel
4.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
4.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
4.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

5. Buy Now Pay Later Snapshot by End-Use Sector
5.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
5.2 Buy Now Pay Later Sales Uplift by End-Use Sector
5.3 Buy Now Pay Later Share by Retail Product Category

6. Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 – 2028
6.1 Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2019-2028
6.2 Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2019-2028
6.3 Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2019-2028

7. Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 – 2028
7.1 Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2019-2028
7.2 Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2019-2028
7.3 Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2019-2028

8. Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast, 2019 – 2028
8.1 Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis, 2019-2028
8.2 Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis, 2019-2028
8.3 Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis, 2019-2028

9. Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 – 2028
9.1 Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2019-2028
9.2 Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2019-2028
9.3 Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2019-2028

10. Buy Now Pay Later in Other Segment: Market Size and Forecast, 2019 – 2028
10.1 Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis, 2019-2028
10.2 Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis, 2019-2028
10.3 Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis, 2019-2028

11. Further Reading
11.1 About PayNXT360
11.2 Related Research
11.3 PayNXT360 Knowledge Center

All country reports mentioned above will have the following tables:

Table 1: Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 2: Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: Buy Now Pay Later – Revenues (US$ Billion), 2019-2028
Table 5: Buy Now Pay Later – Merchant Commission (US$ Billion), 2019-2028
Table 6: Buy Now Pay Later – Missed Payment Fee Revenue (US$ Billion), 2019-2028
Table 7: Buy Now Pay Later Pay Now & Other Income (US$ Billion), 2019-2028
Table 8: Buy Now Pay Later – Accounts (Million), 2019-2028
Table 9: Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Billion), 2019-2028
Table 10: Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Billion), 2019-2028
Table 11: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 12: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 13: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 14: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 15: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 16: Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 17: Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 18: Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 19: Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 20: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 21: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 22: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 23: Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Table 24: Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 25: Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028

All country reports mentioned above will have the following figures:

Figure 1: PayNXT360’s Methodology Framework
Figure 2: Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 3: Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 4: Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 5: Buy Now Pay Later – Revenues (US$ Billion), 2019-2028
Figure 6: Buy Now Pay Later Share by Revenue Segments
Figure 7: Buy Now Pay Later – Merchant Commission (US$ Billion), 2019-2028
Figure 8: Buy Now Pay Later – Missed Payment Fee Revenue (US$ Billion), 2019-2028
Figure 9: Buy Now Pay Later Pay Now & Other Income (US$ Billion), 2019-2028
Figure 10: Buy Now Pay Later – Active Consumer Base, 2019-2028
Figure 11: Buy Now Pay Later – Gross Merchandise Value Market Share by Channel (%), 2019-2028
Figure 12: Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Billion), 2019-2028
Figure 13: Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Billion), 2019-2028
Figure 14: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 15: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 16: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 17: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 18: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 19: Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 20: Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 21: Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 22: Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 23: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 24: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 25: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 26: Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Billion), 2019-2028
Figure 27: Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 28: Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028