UAE 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
TDR0084
Coverage
Middle East
Published
November 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 UAE by category of stores/type of stores, 2024
5.3. Number of Retail Stores in UAE by cities, 2024
5.4. Number of POS Installed
5.5. Revenues generated by Offline Retail industry in UAE, 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 UAE POS Lending Market,
6.2. Business Model Canvas for UAE 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 (Dubai, Sharjah, Abu Dhabi and Others), 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 UAE POS Lending Market
12.2. Growth Drivers for UAE POS Lending Market
12.3. SWOT Analysis for UAE POS Lending Market
12.4. Issues and Challenges for UAE POS Lending Market
12.5. Government Regulations for UAE 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 UAE 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 UAE 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 UAE POS Lending Market. Based on this ecosystem, we will shortlist leading 5-6 players in the country based upon their financial information, transaction volume, and market presence.
Sourcing is made through industry articles, multiple secondary, and proprietary databases to perform desk research around the market to collate industry-level information.
Step 2: Desk Research
Subsequently, we engage in an exhaustive desk research process by referencing diverse secondary and proprietary databases. This approach enables us to conduct a thorough analysis of the market, aggregating industry-level insights. We delve into aspects like the transaction volumes, number of market players, price level, demand, and other variables. We supplement this with detailed examinations of company-level data, relying on sources like press releases, annual reports, financial statements, and similar documents. This process aims to construct a foundational understanding of both the market and the entities operating within it.
Step 3: Primary Research
We initiate a series of in-depth interviews with C-level executives and other stakeholders representing various UAE POS Lending Market companies and end-users. This interview process serves a multi-faceted purpose: to validate market hypotheses, authenticate statistical data, and extract valuable operational and financial insights from these industry representatives. A bottom-to-top approach is undertaken to evaluate transaction volumes for each player thereby aggregating to the overall market.
As part of our validation strategy, our team executes disguised interviews wherein we approach each company under the guise of potential customers. This approach enables us to validate the operational and financial information shared by company executives, corroborating this data against what is available in secondary databases. These interactions also provide us with a comprehensive understanding of revenue streams, value chain, process, pricing, and other factors.
Step 4: Sanity Check
- A bottom-to-top and top-to-bottom analysis along with market size modeling exercises is undertaken to assess the sanity check process.
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Frequently Asked Questions
1. What is the potential for the UAE POS Lending Market?
The UAE POS lending market is poised for substantial growth, reaching a valuation of AED 4 Billion in 2023. This growth is driven by factors such as the increasing demand for flexible payment options, the expansion of the e-commerce sector, and the shift towards digital payment systems. The market's potential is further bolstered by the UAE's digital transformation initiatives, which facilitate easier access to a wide range of POS lending solutions.
2. Who are the Key Players in the UAE POS Lending Market?
The UAE POS Lending Market features several key players, including Tabby, Postpay, and Tamara. These companies dominate the market due to their innovative financial products, strong merchant partnerships, and consumer-centric services. Other notable players include Spotii and Zip.
3. What are the Growth Drivers for the UAE POS Lending Market?
The primary growth drivers include economic recovery, the rise of digital payments, and the growing e-commerce sector. The UAE's strategic focus on digital transformation and the adoption of cashless payment solutions further contribute to the growing demand for POS lending services. Additionally, the increasing preference for flexible payment options among younger consumers is driving market growth.
4. What are the Challenges in the UAE POS Lending Market?
The UAE POS Lending Market faces several challenges, including regulatory hurdles related to credit lending and consumer protection. Consumer trust and awareness issues, particularly regarding data security and hidden fees, also pose challenges to market growth. Furthermore, market saturation due to the increasing number of fintech firms entering the space intensifies competition and pressures profit margins.
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