その結果、パンデミックの間に経済的な困難に直面したクライアントは、今でもオンラインで買い物をするかもしれません。一方で、BNPL提供者は、低いまたは無利子で支払うクライアントの増加から大きな収入を得る可能性があり、また、より多くのバイヤーを引き付けるためにBNPL決済方法を利用する商人も補償を受けることになります。

COVID以前、人々はオンラインでの購入や第三者ウェブサイトへの財務情報の入力について懸念していました。中東では、代引き（COD）がこの問題を解決しましたが、同時に拡張に対する新たな障壁も生じました。BNPL（購入後支払い）はこの解決策に貢献しています。これにより、購入者は「試してから購入する」ことができ、小売業者は集金の負担から解放されます。タマラのようなBNPL企業は、信頼を築き、BNPLが安全であることをショッパーに安心させるという素晴らしい仕事をしています。中東とアフリカでは、転換率がほぼ10%から30%向上し、平均注文額が30%から85%増加するということです。

• 1 イントロダクション

  • 1.1 調査の前提条件と市場の定義

  • 1.2 本調査の範囲

• 2 調査手法

• 3 エグゼクティブサマリー

• 4 市場力学

  • 4.1 市場概要

  • 4.2 市場の促進要因

  • 4.3 市場の抑制要因

  • 4.4 市場を形成する主要な要因に関する洞察

  • 4.5 Buy　Now　Pay　Later市場の消費者動向と嗜好に関する洞察

  • 4.6 ポーターのファイブフォース分析

    • 4.6.1 新規参入の脅威

    • 4.6.2 買い手・消費者の交渉力

    • 4.6.3 サプライヤーの交渉力

    • 4.6.4 代替品の脅威

    • 4.6.5 競合・競争状況の激しさ

  • 4.7 市場における政府規制に関する洞察

  • 4.8 COVID-19の市場インパクト

• 5 市場セグメンテーション

  • 5.1 チャンネル別

    • 5.1.1 オンライン

    • 5.1.2 POS

  • 5.2 企業規模別

    • 5.2.1 大企業

    • 5.2.2 中小企業

  • 5.3 エンドユーザー別

    • 5.3.1 コンシューマーエレクトロニクス

    • 5.3.2 ファッション＆ガーメント

    • 5.3.3 ヘルスケア

    • 5.3.4 レジャー＆エンタテインメント

    • 5.3.5 リテール

    • 5.3.6 その他

• 6 競合情勢

  • 6.1 Market Competition Overview

  • 6.2 企業プロファイル

    • 6.2.1 Payflex

    • 6.2.2 Tamara

    • 6.2.3 Spotti

    • 6.2.4 Tabby

    • 6.2.5 Postpay

    • 6.2.6 Shahry

    • 6.2.7 Lipa Later

    • 6.2.8 Sympl

    • 6.2.9 Chari

    • 6.2.10 ThankUCash

• 7 市場機会と今後の動向

• 8 ディスクレイマー

The Buy Now Pay Later (BNPL) payment sector in Africa and the Middle East has grown rapidly over the previous four quarters, aided by rising e-commerce penetration and the impact of the economic slowdown induced by the Covid-19 epidemic. Buy now, pay later (BNPL) services have grown in popularity among e-Commerce companies and their clients over the last several years. The Covid-19 repercussions started these phenomena, and it appears that the buy now pays later (BNPL) platforms sector will continue to flourish even after the epidemic. The reasons for this are straightforward: BNPL is a handy and less expensive option to obtain fast loans for online purchases.

The breakout of COVID-19 has increased the use of BNPL platforms in the MEA area since distant working and social distances have allowed BNPL service providers to build a large client base. The pandemic has increased BNPL's appeal since it offers more flexible financing alternatives and low-interest rates, particularly in the Middle East.

As a result, clients who faced financial difficulties during the pandemics may still shop online. BNPL providers, on the other hand, may make significant income from an increasing number of clients who pay low to no interest rates and merchants who are compensated for utilizing the BNPL payment method to attract more buyers.

The Middle East and Africa market has already had tremendous growth, but because of the unexpected COVID-19 epidemic, the market will experience more growth in 2022. There are several reasons for the sudden interest in BNPL, but they are clearly related to the fast expansion of online commerce.

Furthermore, the rising adoption of mobile banking solutions by users and the growing awareness of BNPL as a payment alternative have prepared the path for an expanded offering in MEA. Finally, the COVID-19 epidemic has created a "perfect storm," moving more business online, improving consumer trust in online buying, and raising the need for personal cash-flow management, at least for certain customers.

Key Market Trends

Growth in E-commerce in Middle East and Africa is increasing

People were concerned about purchasing online and inputting financial information on third-party websites before COVID. In the Middle East, cash-on-delivery (COD) helped solve this, but it also introduced new barriers to expansion. BNPL contributes to the solution. It allows buyers to "test before you buy" and relieves retailers of the collecting load. BNPL companies like Tamara have done a great job building trust and reassuring shoppers that BNPL is secure. It is said that there is a nearly 10% to 30% increase in conversion and a 30% to 85% increase in average order value in the Middle-East and Africa.

Growth of Gen Z population in the region will increase demand in BNPL services

Moreover, half of MEA citizens are under 30 - the world's greatest young population. Young people in the Middle-East and Africa deal with affordability, especially if they are paid monthly. BNPL has succeeded by letting Millennials and Generation Z buy low-cost, daily products like apparel and food while they wait for their paycheck. BNPL provides consumers with a short-term credit alternative that does not need them to develop balances or undergo credit checks. The transaction amount is simultaneously limited. People are migrating from credit cards to BNPL in droves. This is not a credit service for which consumers must apply; rather, it is a commodity offered on demand.

Competitive Landscape

The buy now pays later market in the Middle East, and Africa is moderately fragmented, with some major players like Payflex, Tamara, and Postpay operating in the market. The major market participants are heavily spending on R&D to improve the technological characteristics of purchase now pay later systems. Several strategic efforts have been explored by industry participants, including the provision of diverse product lines, joint ventures, mergers, acquisitions, and partnerships. These strategies assist enterprises, and industry participants in establishing a greater presence in the MEA region buy now pay later market.

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

• 1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition

  • 1.2 Scope of the Study

• 2 RESEARCH METHODOLOGY

• 3 EXECUTIVE SUMMARY

• 4 MARKET DYNAMICS

  • 4.1 Market Overview

  • 4.2 Market Drivers

  • 4.3 Market Restraints

  • 4.4 Insights on Key Forces Shaping the Market

  • 4.5 Insights on Consumer Trends and Preferences in Buy Now Pay Later Market

  • 4.6 Porter's Five Forces Analysis

    • 4.6.1 Threat of New Entrants

    • 4.6.2 Bargaining Power of Buyers/Consumers

    • 4.6.3 Bargaining Power of Suppliers

    • 4.6.4 Threat of Substitute Products

    • 4.6.5 Intensity of Competitive Rivalry

  • 4.7 Insights on Government Regulations in the Market

  • 4.8 Impact of COVID-19 on the Market

• 5 MARKET SEGMENTATION

  • 5.1 By Channel

    • 5.1.1 Online

    • 5.1.2 POS

  • 5.2 By Enterprises Size

    • 5.2.1 Large Enterprises

    • 5.2.2 Small & Medium Enterprises

  • 5.3 By End User

    • 5.3.1 Consumer Electronics

    • 5.3.2 Fashion & Garments

    • 5.3.3 Healthcare

    • 5.3.4 Leisure & Entertainment

    • 5.3.5 Retail

    • 5.3.6 Others

• 6 COMPETITIVE LANDSCAPE

  • 6.1 Market Competition Overview

  • 6.2 Company Profiles

    • 6.2.1 Payflex

    • 6.2.2 Tamara

    • 6.2.3 Spotti

    • 6.2.4 Tabby

    • 6.2.5 Postpay

    • 6.2.6 Shahry

    • 6.2.7 Lipa Later

    • 6.2.8 Sympl

    • 6.2.9 Chari

    • 6.2.10 ThankUCash

• 7 MARKET OPPORTUNITIES AND FUTURE TRENDS

• 8 DISCLAIMER AND ABOUT US