KSA POS Lending Market Outlook to 2029
By Market Structure (Banks, BNPL and Private Finance Companies), By Retail Segments (Fashion, Electronics, Furniture and others), and By Region (Riyadh, Eastern Province, Makkah)
Report Overview
Report Code
TDR01
Coverage
Middle East
Published
September 2024
Pages
80-100
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Report Overview
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Report Coverage
Verified Market Sizing
Multi-layer forecasting with historical data and 5–10 year outlook
Deep-Dive Segmentation
Cross-sectional analysis by product type, end user, application and region
Competitive Benchmarking & Positioning
Market share, operating model, pricing and competition matrices
Actionable Insights & Risk Assessment
High-growth white spaces, underserved segments, technology disruptions and demand inflection points
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Executive Summary
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Table of Contents
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4.1. Overview and Genesis for Retail Lending Industry
4.2. Total Retail Lending Industry Size, Historical and Current (Credit Card Lending and EMI lending through banks/FCs), 2018-2023
4.3. Facts and Stats-Number of Credit Card Holders, Number of Retail Purchase Converted on EMI, regional requirement, 2018-2023
4.4. Consumer Landscape to understand type of solution which different customer wants basis age, income, location and other aspects
5.1. Offline Retail Industry Size Landscape-Growth and Opportunities
5.2. Number of Retail Stores in KSA by category of stores/type of stores, 2024
5.3. Number of Retail Stores in KSA by cities, 2024
5.4. Number of POS Installed
5.5. Revenues generated by Offline Retail industry in KSA, 2018-2023
5.6. Revenue split for offline retail industry by Category segment, 2023
5.7. Market share of major players in offline retail industry by category segment
6.1. Revenue Streams for KSA POS Lending Market,
6.2. Business Model Canvas for KSA POS Lending Market for BNPL Players, Banks and Private Finance Companies
6.3. Margin Structure Between Merchants and BNPL Companies
9.1. GMV, 2018-2024
9.2. Number of POS Lending Merchants, 2018-2024
10.1. By Market Structure (BNPL, Banks and Private Finance Companies), 2023-2024P
10.2. By Mode of Lending (Online and Offline Segment), 2023-2024P
10.3. By Retail Segment (Fashion, Electronics, Furniture and others), 2023-2024P
10.4. By Region (Riyadh, Eastern Province, Makkah, etc.), 2023-2024P
11.1. Number of Retail Customers Registered with BNPL
11.2. Salaries of Retail Customers Registered with BNPL
11.3. Preferred POS Lending Brand for Online Payment
11.4. Preferred POS Lending Brand for In-Store Payment
11.5. Have you used BNPL Service in the Past?
11.6. Customer Landscape and Cohort Analysis
11.7. Customer Journey and Decision-Making Process
11.8. Needs, Desires, and Pain Point Analysis
11.9. Gap Analysis Framework
11.10. Customer Feedback while Purchasing POS Lending
12.1. Trends and Developments for KSA POS Lending Market
12.2. Growth Drivers for KSA POS Lending Market
12.3. SWOT Analysis for KSA POS Lending Market
12.4. Issues and Challenges for KSA POS Lending Market
12.5. Government Regulations for KSA POS Lending Market
15.1. Average Loan Term and Finance Value, 2023
15.2. Acceptance Rate Vs POS Lending Sales, 2023
16.1. Market Share of Major Players in KSA POS Lending Market for BNPL Companies, 2024
16.2. List of Major Retail Merchants and Lending Partners
16.3. Cross Comparison of POS Lending Providers (Banks, BNPL and Private Finance Companies) based on Interest Rate, Fees and Minimum Transaction Amount
16.4. Cost of Risk Involved and Acceptance Rate between Banks, Financing Companies and BNPL
16.5. Benchmark of Key Competitors in KSA POS Lending Market Basis Operational and Financial Variables
16.6. Strength and Weakness Analysis
16.7. Operating Model Analysis Framework
16.8. Gartner Magic Quadrant
16.9. Bowmans Strategic Clock for Competitive Advantage
17.1. GMV, 2025-2029
17.2. Number of POS Lending Merchants, 2025-2029
18.1. By Market Structure (BNPL, Banks and Private Finance Companies), 2025-2029
18.2. By Mode of Lending (Online and Offline Segment), 2025-2029
18.3. By Retail Segment (Fashion, Electronics, Furniture and others), 2025-2029
18.4. By Region (Riyadh, Eastern Province, Makkah, etc.), 2025-2029
18.5. Recommendations
18.6. Opportunity Analysis
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Research Methodology
Step 1: Ecosystem Creation
Map the ecosystem and identify all the demand side and supply side entities for the KSA POS Lending Market. Based on this ecosystem, we will shortlist leading 5-6 POS lending platforms in the country based on their financial performance, customer base, transaction volumes, and partnerships.
Sourcing is done through industry articles, multiple secondary, and proprietary databases to perform desk research and gather industry-level information relevant to the KSA POS lending ecosystem.
Step 2: Desk Research
We engage in an exhaustive desk research process by referencing diverse secondary and proprietary databases. This allows us to conduct a thorough analysis of the POS lending market, aggregating insights such as market revenues, number of key players, pricing trends, demand drivers, and challenges. We supplement this with detailed examinations of company-level data, including press releases, annual reports, and financial statements. This step constructs a comprehensive understanding of the market landscape and the companies operating within it.
Step 3: Primary Research
We conduct a series of in-depth interviews with C-level executives and other stakeholders representing various KSA POS Lending Market companies, retailers, and consumers. These interviews aim to validate market hypotheses, authenticate statistical data, and extract valuable operational and financial insights from these industry representatives. A bottom-to-top approach is used to evaluate the market share of each player, and these individual assessments are then aggregated to determine the overall market size.
As part of our validation strategy, we also carry out disguised interviews, where our team approaches companies under the guise of potential clients. This allows us to cross-verify the operational and financial information shared by company executives, comparing it against available secondary data. These interactions help us understand revenue streams, customer acquisition strategies, value chains, and pricing structures.
Step 4: Sanity Check
- Bottom-to-top and top-to-bottom analyses are conducted, along with market size modeling exercises, to ensure accuracy and consistency during the sanity check process. These steps help confirm the reliability of our data and projections, ensuring that the research methodology is both robust and reflective of real-world conditions
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Frequently Asked Questions
01 What is the potential for the KSA POS Lending Market?
The KSA POS lending market is poised for substantial growth, reaching a valuation of SAR 5 Billion in 2023. This growth is driven by factors such as increasing consumer demand for flexible payment solutions, the rise of e-commerce, and the expansion of the FinTech ecosystem. The market's potential is further bolstered by the increasing adoption of buy-now-pay-later (BNPL) services and government support for financial technology under Vision 2030.
02 Who are the Key Players in the KSA POS Lending Market?
The KSA POS Lending Market features several key players, including Tamara, Tabby, Spotii, and Cashew. These companies dominate the market due to their robust technological platforms, wide-reaching retail partnerships, and strong brand presence in the market. Other notable participants include traditional banks like Riyad Bank and Al Rajhi Bank, which are increasingly entering the POS lending space.
03 What are the Growth Drivers for the KSA POS Lending Market?
The primary growth drivers include the increasing demand for alternative payment solutions, particularly BNPL services, which allow consumers to manage expenses more flexibly. Additionally, the rapid growth of e-commerce, supported by digital transformation initiatives, is boosting the adoption of POS lending across various retail segments. Government reforms to encourage FinTech innovation and the rising consumer preference for cashless transactions further contribute to the growth of the KSA POS Lending Market.
04 What are the Challenges in the KSA POS Lending Market?
The KSA POS Lending Market faces several challenges, including risks related to consumer creditworthiness and default rates. Regulatory challenges, particularly in relation to data protection and financial transparency, can also impact the operations of POS lenders. Furthermore, small and medium-sized retailers may face difficulties in integrating POS financing solutions into their existing systems, limiting the widespread adoption of these services.
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