The whitepaper brings together three leading Buy Now, Pay Later providers in the region – namely Tamara, Tabby, and Valu – in a first-of-its-kind joint effort to present research findings about the mindset, behaviors, and BNPL payment trends of customers in the Middle East & North Africa, with a special focus on UAE, KSA and Egypt.
The whitepaper is based on research and expert interviews, drawing from the perspectives of the three leading BNPL players, combined with insights from major businesses in the region across various sectors.
Key research outtakes include:
- Across UAE, KSA, and Egypt, businesses implementing BNPL report significant improvements in conversion rates and basket sizes, while strategic partnerships between providers and merchants have created a robust foundation for sustainable growth.
- Looking ahead, BNPL is expanding beyond traditional retail into sectors such as education, travel, and insurance, while Artificial Intelligence is increasingly leveraged to enhance personalization, improve risk assessment, and combat fraud.
- The future of BNPL in MENA will be shaped by smarter, user-first innovations across the purchase journey, the integration of loyalty systems, and seamless omnichannel experiences.
- The growth of all-in-one digital solutions “super apps” that combine shopping, banking, and lifestyle services will further embed flexible payments into everyday life.
- Comprehensive regulatory oversight helps ensure consumer protection and segment stability, while continued focus on transparency, flexibility, and customer-first design will remain central to sustaining trust and long-term growth.
You can view and download the full whitepaper here. Sharing as I thought this may be relevant to your beat and in case you would like to extract findings for any future stories.
