According to PayNXT360, the alternative lending market in South Africa is expected to grow by 14.2% annually, reaching US$1,191.6 million by 2025. The alternative lending market in the country has ex...
According to PayNXT360, the alternative lending market in South Africa is expected to grow by 14.2% annually, reaching US$1,191.6 million by 2025. The alternative lending market in the country has experienced robust growth during 2020-2024, achieving a CAGR of 14.9%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 13.2% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$1,043.1 million to approximately US$1,959.3 million. This report provides a detailed data-centric analysis of the alternative lending industry in South Africa, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including loan disbursement value, loan disbursement volume, average loan ticket size, and penetration rate. The report offers in-depth segmentation across lending dimensions, including type of lending (Bank-based/NBFC and Alternative Lending), end-user segments (Retail Lending and SME/MSME Lending), and loan types. It further categorizes the alternative lending ecosystem by finance models (P2P Marketplace, Balance Sheet, Invoice Trading, Real Estate Crowdfunding, and Other Models), distribution channels (Branch/Physical, Direct Digital, and Agent/Broker), and payment instruments (Credit Transfer, Debit Card, E-Money, and Others). In addition, the analysis captures borrower demographics by age, income, and gender, alongside delinquency performance indicators. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, lending behavior, and risk dynamics within the lending ecosystem. PayNXT360’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
This report provides a detailed data-centric analysis of the alternative lending industry in South Africa, with comprehensive coverage across both overall lending and alternative lending markets. Below is a summary of key market segments:
• Macroeconomic Overview: South Africa Economic Indicators
-- South Africa by Gross Domestic Product (Current Prices)
-- South Africa by Population
-- South Africa Unemployment Rate
• Operational Enablers and Infrastructure Readiness
-- Smartphone Penetration
-- Internet Connectivity & Broadband Access
-- Digital Wallet Adoption Rate
– Real-Time Payments Infrastructure
– E-commerce Penetration
• South Africa Lending Market Size and Growth Dynamics
-- Loan Disbursement Value
-- Loan Disbursement Volume
-- Average Loan Ticket Size
• South Africa Lending Market Segmentation by Lending Type
-- Bank-based / NBFC Lending
-- Alternative Lending
• South Africa Lending Market Segmentation by End-User
-- Retail Lending
-- SME / MSME Lending
• South Africa Retail Lending Market Segmentation by Loan Purpose
-- Housing / Mortgage Loans
-- Auto Loans
-- Education Loans
-- Personal Loans
-- Other Retail Loan Types (e.g., BNPL, Travel, Green Loans, Payday)
• South Africa SME / MSME Lending Market Segmentation by Loan Purpose
-- Working Capital Loans
-- Expansion Loans
-- Equipment / Machinery Loans
-- Invoice Financing / Factoring
-- Trade Finance (Import / Export)
-- Real Estate / Commercial Property Loans
-- Other SME Lending (e.g., Digital Adoption, Franchise Financing)
• South Africa Lending Market Segmentation by Distribution Channel
-- Branch / Physical
-- Direct Digital Lending
-- Agent / Broker Channel
• South Africa Alternative Lending Market Size and Growth Dynamics
-- Loan Disbursement Value
-- Loan Disbursement Volume
-- Average Loan Ticket Size
• South Africa Alternative Lending Market Segmentation by End-User
-- Consumer Lending
-- SME / MSME Lending
• South Africa Alternative Lending Market Segmentation by Finance Models
-- P2P Marketplace
-- Balance Sheet Lending
-- Invoice Trading
-- Real Estate Crowdfunding
-- Other / Hybrid Models
• Combined View: Finance Models by End-User Segments
-- P2P Marketplace – Consumer Lending / SME Lending / Property Lending
-- Balance Sheet Lending – Consumer Lending / SME Lending / Property Lending
• South Africa Alternative Lending by Loan Purpose – Consumer Lending
-- Personal Loans
-- Payroll Advance
-- Home Improvement Loans
-- Education / Student Loans
-- Point-of-Sale (POS) Credit
-- Auto Loans
-- Medical Loans
-- Other Consumer Lending Types
• South Africa Alternative Lending by Loan Purpose – SME / MSME Lending
-- Lines of Credit
-- Merchant Cash Advance
-- Invoice Factoring
-- Revenue-Based Financing
-- Other SME Loan Types
• South Africa Alternative Lending Segmentation by Payment Instrument
-- Credit Transfer
-- Debit Card
-- E-Money
-- Other Instruments
• Cross-Segmentation: Finance Models across Payment Instruments
-- P2P Marketplace across Credit Transfer / Debit Card / E-Money / Other
-- Balance Sheet Lending by Payment Instrument
-- Invoice Trading by Payment Instrument
-- Real Estate Crowdfunding by Payment Instrument
-- Other Models by Payment Instrument
• South Africa Alternative Lending – Borrower-Level Insights: Consumer Demographics & Behavior
-- Borrower Distribution by Age Group
-- Borrower Distribution by Income Level
-- Borrower Distribution by Gender
• South Africa Alternative Lending Credit Risk & Quality Metrics
-- Delinquency Rate (30 Days / 90 Days), 2024
• Comprehensive Market Intelligence: Gain an integrated view of the overall and alternative lending landscape, combining macroeconomic context with detailed lending performance indicators such as loan disbursement value, volume, and average ticket size. • Granular Coverage of Alternative Lending: Explore the fast-evolving alternative lending ecosystem, including peer-to-peer (P2P) marketplaces, balance sheet lending, invoice trading, real estate crowdfunding, and hybrid finance models, supported by in-depth segmentation by end-user, loan purpose, and payment instrument. • Segment-Wise Insights and Cross-Analysis: Evaluate lending trends across consumer and SME/MSME segments, using advanced cross-segmentation to link finance models, loan purposes, and payment methods, offering a comprehensive understanding of credit origination dynamics. • Borrower-Level Behavioral Analytics: Understand borrower demographics and credit behavior through data on age, income level, gender distribution, and delinquency rates (30-day and 90-day), enabling sharper credit risk assessment and customer targeting. • Digital Infrastructure and Ecosystem Readiness: Assess the enabling digital ecosystem including smartphone penetration, internet access, digital wallet adoption, and real-time payments infrastructure that underpins the growth of fintech-driven lending models. • Data-Driven Forecasts and KPI Benchmarking: Access a comprehensive dataset of 100+ key performance indicators (KPIs) with historical and forecast data through 2030, providing visibility into emerging lending trends, growth drivers, and investment opportunities. • Decision-Ready Databook Format: Delivered in a data-centric, easy-to-analyze format, the Databook supports integration into financial models, strategy decks, and investor presentations, enabling stakeholders, including banks, fintechs, investors, and policymakers, to make informed, evidence-based decisions.
1. About this Report 1.1. Summary 1.2. Methodology 1.3. Definition 1.4. Disclaimer 2. South Africa Economic Indicators 2.1. South Africa Gross Domestic Product at Current Prices, 2020–2029 2.2. South Africa Economic Indicator by Population, 2020 – 2024 2.3. South Africa Unemployment Rate, 2024 3. South Africa Broader Market Enablers & Digital Infrastructure 3.1. Smartphone and Internet Connectivity / Broadband Penetration, 2024 3.2. Real-time Payments, Digital Wallet Adoption, and E-commerce Penetration Rate, 2024 4. South Africa Overall Lending Industry Attractiveness 4.1. South Africa Overall Lending – Loan Disbursement Value Dynamics, 2020–2029 4.2. South Africa Overall Lending – Loan Disbursement Volume Dynamics, 2020–2029 4.3. South Africa Overall Lending – Average Loan Ticket Size Dynamics, 2020–2029 5. South Africa Overall Lending Market Size and Forecast by Type of Lending 5.1. South Africa Overall Lending Market Share by Type of Lending, 2024 5.2. Overall Lending by Alternative Lending 5.2.1. Alternative Lending – Loan Disbursement Value Dynamics, 2020–2029 5.2.2. Alternative Lending – Loan Disbursement Volume Dynamics, 2020–2029 5.2.3. Alternative Lending – Average Loan Ticket Size Dynamics, 2020–2029 5.3. Overall Lending by Bank-based / NBFC Lending 5.3.1. Bank-based / NBFC Lending – Loan Disbursement Value Dynamics, 2020–2029 5.3.2. Bank-based / NBFC Lending – Loan Disbursement Volume Dynamics, 2020–2029 5.3.3. Bank-based / NBFC Lending – Average Loan Ticket Size Dynamics, 2020–2029 6. South Africa Overall Lending Market Size and Forecast by End-User 6.1. South Africa Overall Lending Market Share by End-User, 2024 6.2. South Africa End User of Overall Lending by Retail Lending 6.2.1. Retail Lending – Loan Disbursement Value Dynamics, 2020–2029 6.2.2. Retail Lending – Loan Disbursement Volume Dynamics, 2020–2029 6.2.3. Retail Lending – Average Loan Ticket Size Dynamics, 2020–2029 6.3. South Africa End User of Overall Lending by SME / MSME Lending 6.3.1. SME / MSME Lending – Loan Disbursement Value Dynamics, 2020–2029 6.3.2. SME / MSME Lending – Loan Disbursement Volume Dynamics, 2020–2029 6.3.3. SME / MSME Lending – Average Loan Ticket Size Dynamics, 2020–2029 7. South Africa Retail Lending Market Size and Forecast by Loan Purpose / Use Case 7.1. South Africa Retail Lending Market Share by Loan Purpose / Use Case, 2024 7.2. South Africa Retail Lending by Housing / Mortgage Loans 7.2.1. Housing / Mortgage Loans – Loan Disbursement Value Dynamics, 2020–2029 7.2.2. Housing / Mortgage Loans – Loan Disbursement Volume Dynamics, 2020–2029 7.2.3. Housing / Mortgage Loans – Average Loan Ticket Size Dynamics, 2020–2029 7.3. South Africa Retail Lending by Auto Loans 7.3.1. Auto Loans – Loan Disbursement Value Dynamics, 2020–2029 7.3.2. Auto Loans – Loan Disbursement Volume Dynamics, 2020–2029 7.3.3. Auto Loans – Average Loan Ticket Size Dynamics, 2020–2029 7.4. South Africa Retail Lending by Education Loans 7.4.1. Education Loans – Loan Disbursement Value Dynamics, 2020–2029 7.4.2. Education Loans – Loan Disbursement Volume Dynamics, 2020–2029 7.4.3. Education Loans – Average Loan Ticket Size Dynamics, 2020–2029 7.5. South Africa Retail Lending by Personal Loans 7.5.1. Personal Loans – Loan Disbursement Value Dynamics, 2020–2029 7.5.2. Personal Loans – Loan Disbursement Volume Dynamics, 2020–2029 7.5.3. Personal Loans – Average Loan Ticket Size Dynamics, 2020–2029 7.6. South Africa Retail Lending by Others 7.6.1. Others – Loan Disbursement Value Dynamics, 2020–2029 7.6.2. Others – Loan Disbursement Volume Dynamics, 2020–2029 7.6.3. Others – Average Loan Ticket Size Dynamics, 2020–2029 8. South Africa SME/MSME Lending Market Size and Forecast by Loan Purpose / Use Case 8.1. South Africa SME/MSME Lending Market Share by Loan Purpose / Use Case, 2024 8.2. South Africa SME/MSME Lending by Working Capital Loans 8.2.1. Working Capital Loans – Loan Disbursement Value Dynamics, 2020–2029 8.2.2. Working Capital Loans – Loan Disbursement Volume Dynamics, 2020–2029 8.2.3. Working Capital Loans – Average Loan Ticket Size Dynamics, 2020–2029 8.3. South Africa SME/MSME Lending by Expansion Loans 8.3.1. Expansion Loans – Loan Disbursement Value Dynamics, 2020–2029 8.3.2. Expansion Loans – Loan Disbursement Volume Dynamics, 2020–2029 8.3.3. Expansion Loans – Average Loan Ticket Size Dynamics, 2020–2029 8.4. South Africa SME/MSME Lending by Equipment / Machinery Loans 8.4.1. Equipment / Machinery Loans – Loan Disbursement Value Dynamics, 2020–2029 8.4.2. Equipment / Machinery Loans – Loan Disbursement Volume Dynamics, 2020–2029 8.4.3. Equipment / Machinery Loans – Average Loan Ticket Size Dynamics, 2020–2029 8.5. South Africa SME/MSME Lending by Invoice Financing / Factoring 8.5.1. Invoice Financing / Factoring – Loan Disbursement Value Dynamics, 2020–2029 8.5.2. Invoice Financing / Factoring – Loan Disbursement Volume Dynamics, 2020–2029 8.5.3. Invoice Financing / Factoring – Average Loan Ticket Size Dynamics, 2020–2029 8.6. South Africa SME/MSME Lending by Trade Finance (Import/Export) 8.6.1. Trade Finance – Loan Disbursement Value Dynamics, 2020–2029 8.6.2. Trade Finance – Loan Disbursement Volume Dynamics, 2020–2029 8.6.3. Trade Finance – Average Loan Ticket Size Dynamics, 2020–2029 8.7. South Africa SME/MSME Lending by Real Estate / Commercial Property Loans 8.7.1. Real Estate / Commercial Property Loans – Loan Disbursement Value Dynamics, 2020–2029 8.7.2. Real Estate / Commercial Property Loans – Loan Disbursement Volume Dynamics, 2020–2029 8.7.3. Real Estate / Commercial Property Loans – Average Loan Ticket Size Dynamics, 2020–2029 8.8. South Africa SME/MSME Lending by Others 8.8.1. Others – Loan Disbursement Value Dynamics, 2020–2029 8.8.2. Others – Loan Disbursement Volume Dynamics, 2020–2029 8.8.3. Others – Average Loan Ticket Size Dynamics, 2020–2029 9. South Africa Overall Lending Market Size and Forecast by Distribution Channel 9.1. South Africa Overall Lending Market Share by Distribution Channel, 2024 9.2. Branch / Physical – Loan Disbursement Value Dynamics, 2020–2029 9.3. Direct Digital Lending – Loan Disbursement Value Dynamics, 2020–2029 9.4. Agent / Broker Channel – Loan Disbursement Value Dynamics, 2020–2029 10. South Africa Alternative Lending Industry Attractiveness 10.1. South Africa Alternative Lending – Loan Disbursement Value Dynamics, 2020–2029 10.2. South Africa Alternative Lending – Loan Disbursement Volume Dynamics, 2020–2029 10.3. South Africa Alternative Lending – Average Loan Ticket Size Dynamics, 2020–2029 11. South Africa Alternative Lending Market Size and Forecast by End-User 11.1. South Africa Alternative Lending Market Share by End-User, 2024 11.2. South Africa End User of Alternative Lending by Consumer Lending 11.2.1. Consumer Lending – Loan Disbursement Value Dynamics, 2020–2029 11.2.2. Consumer Lending – Loan Disbursement Volume Dynamics, 2020–2029 11.2.3. Consumer Lending – Average Loan Ticket Size Dynamics, 2020–2029 11.3. South Africa End User of Alternative Lending by SME / MSME Lending 11.3.1. SME / MSME Lending – Loan Disbursement Value Dynamics, 2020–2029 11.3.2. SME / MSME Lending – Loan Disbursement Volume Dynamics, 2020–2029 11.3.3. SME / MSME Lending – Average Loan Ticket Size Dynamics, 2020–2029 12. South Africa Alternative Lending Market Size and Forecast by Finance Models 12.1. South Africa Alternative Lending Market Share by Finance Models, 2024 12.2. South Africa Alternative Lending by P2P Marketplace 12.2.1. P2P Marketplace – Loan Disbursement Value Dynamics, 2020–2029 12.2.2. P2P Marketplace – Loan Disbursement Volume Dynamics, 2020–2029 12.2.3. P2P Marketplace – Average Loan Ticket Size Dynamics, 2020–2029 12.3. South Africa Alternative Lending by Balance Sheet Lending 12.3.1. Balance Sheet Lending – Loan Disbursement Value Dynamics, 2020–2029 12.3.2. Balance Sheet Lending – Loan Disbursement Volume Dynamics, 2020–2029 12.3.3. Balance Sheet Lending – Average Loan Ticket Size Dynamics, 2020–2029 12.4. South Africa Alternative Lending by Invoice Trading 12.4.1. Invoice Trading – Loan Disbursement Value Dynamics, 2020–2029 12.4.2. Invoice Trading – Loan Disbursement Volume Dynamics, 2020–2029 12.4.3. Invoice Trading – Average Loan Ticket Size Dynamics, 2020–2029 12.5. South Africa Alternative Lending by Real Estate Crowdfunding 12.5.1. Real Estate Crowdfunding – Loan Disbursement Value Dynamics, 2020–2029 12.5.2. Real Estate Crowdfunding – Loan Disbursement Volume Dynamics, 2020–2029 12.5.3. Real Estate Crowdfunding – Average Loan Ticket Size Dynamics, 2020–2029 12.6. South Africa Alternative Lending by Other Models 12.6.1. Other Models – Loan Disbursement Value Dynamics, 2020–2029 12.6.2. Other Models – Loan Disbursement Volume Dynamics, 2020–2029 12.6.3. Other Models – Average Loan Ticket Size Dynamics, 2020–2029 13. South Africa Alternative Lending Market Size and Forecast by Finance Models and End-User Segments 13.1. South Africa Alternative Lending Market Share by Finance Models and End-User Segments, 2024 13.2. South Africa Alternative Lending by P2P Marketplace - Consumer Lending – Loan Disbursement Value Dynamics, 2020–2029 13.3. South Africa Alternative Lending by P2P Marketplace - SME/MSME Lending – Loan Disbursement Value Dynamics, 2020–2029 13.4. South Africa Alternative Lending by P2P Marketplace - Property Lending – Loan Disbursement Value Dynamics, 2020–2029 13.5. South Africa Alternative Lending by Balance Sheet - Consumer Lending – Loan Disbursement Value Dynamics, 2020–2029 13.6. South Africa Alternative Lending by Balance Sheet - SME/MSME Lending – Loan Disbursement Value Dynamics, 2020–2029 13.7. South Africa Alternative Lending by Balance Sheet - Property Lending – Loan Disbursement Value Dynamics, 2020–2029 14. South Africa Alternative Lending Market Size and Forecast by Loan Purpose / Use Case – Retail (Consumer Lending) 14.1. South Africa Alternative Lending Market Share by Retail Loan Purpose / Use Case, 2024 14.2. South Africa Alternative Lending by Personal Loans – Retail (Consumer Lending) 14.2.1. Personal Loans – Loan Disbursement Value Dynamics, 2020–2029 14.2.2. Personal Loans – Loan Disbursement Volume Dynamics, 2020–2029 14.2.3. Personal Loans – Average Loan Ticket Size Dynamics, 2020–2029 14.3. South Africa Alternative Lending by Payroll Advance – Retail (Consumer Lending) 14.3.1. Payroll Advance – Loan Disbursement Value Dynamics, 2020–2029 14.3.2. Payroll Advance – Loan Disbursement Volume Dynamics, 2020–2029 14.3.3. Payroll Advance – Average Loan Ticket Size Dynamics, 2020–2029 14.4. South Africa Alternative Lending by Home Improvement – Retail (Consumer Lending) 14.4.1. Home Improvement – Loan Disbursement Value Dynamics, 2020–2029 14.4.2. Home Improvement – Loan Disbursement Volume Dynamics, 2020–2029 14.4.3. Home Improvement – Average Loan Ticket Size Dynamics, 2020–2029 14.5. South Africa Alternative Lending by Education/Student Loans – Retail (Consumer Lending) 14.5.1. Education/Student Loans – Loan Disbursement Value Dynamics, 2020–2029 14.5.2. Education/Student Loans – Loan Disbursement Volume Dynamics, 2020–2029 14.5.3. Education/Student Loans – Average Loan Ticket Size Dynamics, 2020–2029 14.6. South Africa Alternative Lending by Point of Sale Credit – Retail (Consumer Lending) 14.6.1. Point of Sale Credit – Loan Disbursement Value Dynamics, 2020–2029 14.6.2. Point of Sale Credit – Loan Disbursement Volume Dynamics, 2020–2029 14.6.3. Point of Sale Credit – Average Loan Ticket Size Dynamics, 2020–2029 14.7. South Africa Alternative Lending by Auto Loans – Retail (Consumer Lending) 14.7.1. Auto Loans – Loan Disbursement Value Dynamics, 2020–2029 14.7.2. Auto Loans – Loan Disbursement Volume Dynamics, 2020–2029 14.7.3. Auto Loans – Average Loan Ticket Size Dynamics, 2020–2029 14.8. South Africa Alternative Lending by Medical Loans – Retail (Consumer Lending) 14.8.1. Medical Loans – Loan Disbursement Value Dynamics, 2020–2029 14.8.2. Medical Loans – Loan Disbursement Volume Dynamics, 2020–2029 14.8.3. Medical Loans – Average Loan Ticket Size Dynamics, 2020–2029 14.9. South Africa Alternative Lending by Others – Retail (Consumer Lending) 14.9.1. Others – Loan Disbursement Value Dynamics, 2020–2029 14.9.2. Others – Loan Disbursement Volume Dynamics, 2020–2029 14.9.3. Others – Average Loan Ticket Size Dynamics, 2020–2029 15. South Africa Alternative Lending Market Size and Forecast by Loan Purpose / Use Case – SME/MSME (SME/MSME Lending) 15.1. South Africa Alternative Lending Market Share by SME/MSME Loan Purpose / Use Case, 2024 15.2. South Africa Alternative Lending by Lines of Credit – SME/MSME (SME/MSME Lending) 15.2.1. Lines of Credit – Loan Disbursement Value Dynamics, 2020–2029 15.2.2. Lines of Credit – Loan Disbursement Volume Dynamics, 2020–2029 15.2.3. Lines of Credit – Average Loan Ticket Size Dynamics, 2020–2029 15.3. South Africa Alternative Lending by Merchant Cash Advance – SME/MSME (SME/MSME Lending) 15.3.1. Merchant Cash Advance – Loan Disbursement Value Dynamics, 2020–2029 15.3.2. Merchant Cash Advance – Loan Disbursement Volume Dynamics, 2020–2029 15.3.3. Merchant Cash Advance – Average Loan Ticket Size Dynamics, 2020–2029 15.4. South Africa Alternative Lending by Invoice Factoring – SME/MSME (SME/MSME Lending) 15.4.1. Invoice Factoring – Loan Disbursement Value Dynamics, 2020–2029 15.4.2. Invoice Factoring – Loan Disbursement Volume Dynamics, 2020–2029 15.4.3. Invoice Factoring – Average Loan Ticket Size Dynamics, 2020–2029 15.5. South Africa Alternative Lending by Revenue Financing – SME/MSME (SME/MSME Lending) 15.5.1. Revenue Financing – Loan Disbursement Value Dynamics, 2020–2029 15.5.2. Revenue Financing – Loan Disbursement Volume Dynamics, 2020–2029 15.5.3. Revenue Financing – Average Loan Ticket Size Dynamics, 2020–2029 15.6. South Africa Alternative Lending by Others – SME/MSME (SME/MSME Lending) 15.6.1. Others – Loan Disbursement Value Dynamics, 2020–2029 15.6.2. Others – Loan Disbursement Volume Dynamics, 2020–2029 15.6.3. Others – Average Loan Ticket Size Dynamics, 2020–2029 16. South Africa Alternative Lending Market Size and Forecast by Payment Instrument 16.1. South Africa Alternative Lending Market Share by Payment Instrument, 2024 16.2. South Africa Payment Instrument of Alternative Lending by Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 16.3. South Africa Payment Instrument of Alternative Lending by Debit Card – Loan Disbursement Value Dynamics, 2020–2029 16.4. South Africa Payment Instrument of Alternative Lending by E-Money – Loan Disbursement Value Dynamics, 2020–2029 16.5. South Africa Payment Instrument of Alternative Lending by Other – Loan Disbursement Value Dynamics, 2020–2029 17. South Africa Alternative Lending by Finance Models across Payment Instruments 17.1. South Africa Alternative Lending Market Size and Forecast by P2P Marketplace across Payment Instruments, 2024 17.1.1. South Africa Alternative Lending Market Share by P2P Marketplace across Payment Instruments, 2024 17.1.2. P2P Marketplace across Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 17.1.3. P2P Marketplace across Debit Card – Loan Disbursement Value Dynamics, 2020–2029 17.1.4. P2P Marketplace across E-Money – Loan Disbursement Value Dynamics, 2020–2029 17.1.5. P2P Marketplace across Other Payment Instrument – Loan Disbursement Value Dynamics, 2020–2029 17.2. South Africa Alternative Lending Market Size and Forecast by Balance Sheet across Payment Instruments 17.2.1. South Africa Alternative Lending Market Share by Balance Sheet across Payment Instruments, 2024 17.2.2. Balance Sheet across Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 17.2.3. Balance Sheet across Debit Card – Loan Disbursement Value Dynamics, 2020–2029 17.2.4. Balance Sheet across E-Money – Loan Disbursement Value Dynamics, 2020–2029 17.2.5. Balance Sheet across Other Payment Instrument – Loan Disbursement Value Dynamics, 2020–2029 17.3. South Africa Alternative Lending Market Size and Forecast by Invoice Trading across Payment Instruments 17.3.1. South Africa Alternative Lending Market Share by Invoice Trading across Payment Instruments, 2024 17.3.2. Invoice Trading across Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 17.3.3. Invoice Trading across Debit Card – Loan Disbursement Value Dynamics, 2020–2029 17.3.4. Invoice Trading across E-Money – Loan Disbursement Value Dynamics, 2020–2029 17.3.5. Invoice Trading across Other Payment Instrument – Loan Disbursement Value Dynamics, 2020–2029 17.4. South Africa Alternative Lending Market Size and Forecast by Real Estate Crowdfunding across Payment Instruments 17.4.1. South Africa Alternative Lending Market Share by Real Estate Crowdfunding across Payment Instruments, 2024 17.4.2. Real Estate Crowdfunding across Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 17.4.3. Real Estate Crowdfunding across Debit Card – Loan Disbursement Value Dynamics, 2020–2029 17.4.4. Real Estate Crowdfunding across E-Money – Loan Disbursement Value Dynamics, 2020–2029 17.4.5. Real Estate Crowdfunding across Other Payment Instrument – Loan Disbursement Value Dynamics, 2020–2029 17.5. South Africa Alternative Lending Market Size and Forecast by Other Finance Models across Payment Instruments 17.5.1. South Africa Alternative Lending Market Share by Other Finance Models and Loan Disbursement Payment Instruments, 2024 17.5.2. Other Finance Models across Credit Transfer – Loan Disbursement Value Dynamics, 2020–2029 17.5.3. Other Finance Models across Debit Card – Loan Disbursement Value Dynamics, 2020–2029 17.5.4. Other Finance Models across E-Money – Loan Disbursement Value Dynamics, 2020–2029 17.5.5. Other Finance Models across Other Payment Instrument – Loan Disbursement Value Dynamics, 2020–2029 18. South Africa Alternative Lending Analysis by Consumer Demographics & Behavior 18.1. South Africa Alternative Lending by Age Group, 2024 18.2. South Africa Alternative Lending by Income Level, 2024 18.3. South Africa Alternative Lending by Gender, 2024 18.4. South Africa Alternative Lending – Delinquency Rate 30 Days / 90 Days, 2024 19. Further Reading 19.1. About PayNXT360 19.2. Related Research
Table 1: South Africa Gross Domestic Product at Current Prices, (US$ Million), 2020–2029 Table 2: South Africa Economic Indicator by Population, (Million), 2020 – 2024 Table 3: South Africa Overall Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 4: South Africa Overall Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 5: South Africa Overall Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 6: Alternative Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 7: Alternative Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 8: Alternative Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 9: Bank-based / NBFC Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 10: Bank-based / NBFC Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 11: Bank-based / NBFC Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 12: Retail Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 13: Retail Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 14: Retail Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 15: SME / MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 16: SME / MSME Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 17: SME / MSME Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 18: Housing / Mortgage Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 19: Housing / Mortgage Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 20: Housing / Mortgage Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 21: Auto Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 22: Auto Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 23: Auto Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 24: Education Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 25: Education Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 26: Education Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 27: Personal Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 28: Personal Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 29: Personal Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 30: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 31: Others – Loan Disbursement Volume Dynamics (Million), 2020–2029 Table 32: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 33: Working Capital Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 34: Working Capital Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 35: Working Capital Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 36: Expansion Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 37: Expansion Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 38: Expansion Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 39: Equipment / Machinery Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 40: Equipment / Machinery Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 41: Equipment / Machinery Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 42: Invoice Financing / Factoring – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 43: Invoice Financing / Factoring – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 44: Invoice Financing / Factoring – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 45: Trade Finance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 46: Trade Finance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 47: Trade Finance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 48: Real Estate / Commercial Property Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 49: Real Estate / Commercial Property Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 50: Real Estate / Commercial Property Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 51: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 52: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 53: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 54: Branch / Physical – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 55: Direct Digital Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 56: Agent / Broker Channel – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 57: South Africa Alternative Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 58: South Africa Alternative Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 59: South Africa Alternative Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 60: Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 61: Consumer Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 62: Consumer Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 63: SME / MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 64: SME / MSME Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 65: SME / MSME Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 66: P2P Marketplace – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 67: P2P Marketplace – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 68: P2P Marketplace – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 69: Balance Sheet Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 70: Balance Sheet Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 71: Balance Sheet Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 72: Invoice Trading – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 73: Invoice Trading – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 74: Invoice Trading – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 75: Real Estate Crowdfunding – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 76: Real Estate Crowdfunding – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 77: Real Estate Crowdfunding – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 78: Other Models – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 79: Other Models – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 80: Other Models – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 81: South Africa Alternative Lending by P2P Marketplace - Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 82: South Africa Alternative Lending by P2P Marketplace - SME/MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 83: South Africa Alternative Lending by P2P Marketplace - Property Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 84: South Africa Alternative Lending by Balance Sheet - Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 85: South Africa Alternative Lending by Balance Sheet - SME/MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 86: South Africa Alternative Lending by Balance Sheet - Property Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 87: Personal Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 88: Personal Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 89: Personal Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 90: Payroll Advance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 91: Payroll Advance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 92: Payroll Advance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 93: Home Improvement – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 94: Home Improvement – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 95: Home Improvement – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 96: Education/Student Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 97: Education/Student Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 98: Education/Student Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 99: Point of Sale Credit – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 100: Point of Sale Credit – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 101: Point of Sale Credit – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 102: Auto Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 103: Auto Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 104: Auto Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 105: Medical Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 106: Medical Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 107: Medical Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 108: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 109: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 110: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 111: Lines of Credit – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 112: Lines of Credit – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 113: Lines of Credit – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 114: Merchant Cash Advance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 115: Merchant Cash Advance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 116: Merchant Cash Advance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 117: Invoice Factoring – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 118: Invoice Factoring – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 119: Invoice Factoring – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 120: Revenue Financing – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 121: Revenue Financing – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 122: Revenue Financing – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 123: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 124: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Table 125: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Table 126: South Africa Payment Instrument of Alternative Lending by Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 127: South Africa Payment Instrument of Alternative Lending by Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 128: South Africa Payment Instrument of Alternative Lending by E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 129: South Africa Payment Instrument of Alternative Lending by Other – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 130: P2P Marketplace across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 131: P2P Marketplace across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 132: P2P Marketplace across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 133: P2P Marketplace across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 134: Balance Sheet across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 135: Balance Sheet across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 136: Balance Sheet across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 137: Balance Sheet across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 138: Invoice Trading across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 139: Invoice Trading across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 140: Invoice Trading across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 141: Invoice Trading across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 142: Real Estate Crowdfunding across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 143: Real Estate Crowdfunding across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 144: Real Estate Crowdfunding across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 145: Real Estate Crowdfunding across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 146: Other Finance Models across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 147: Other Finance Models across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 148: Other Models across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Table 149: Other Finance Models across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029
Figure 1: PayNXT360’s Methodology Framework Figure 2: South Africa Gross Domestic Product at Current Prices, (US$ Million), 2020–2029 Figure 3: South Africa Economic Indicator by Population, (Million), 2020 – 2024 Figure 4: South Africa Unemployment Rate (%), 2024 Figure 5: Smartphone Adoption and Internet Connectivity / Broadband Penetration (%), 2024 Figure 6: Real-time Payments Adoption, Digital Wallet Adoption, and E-commerce Penetration Rate (%), 2024 Figure 7: South Africa Overall Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 8: South Africa Overall Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 9: South Africa Overall Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 10: Overall Lending Market Share by Type of Lending (%), 2024 Figure 11: Alternative Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 12: Alternative Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 13: Alternative Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 14: Bank-based / NBFC Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 15: Bank-based / NBFC Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 16: Bank-based / NBFC Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 17: South Africa Overall Lending Market Share by End-User (%), 2024 Figure 18: Retail Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 19: Retail Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 20: Retail Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 21: SME / MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 22: SME / MSME Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 23: SME / MSME Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 24: Retail Lending Market Share by Loan Purpose / Use Case (%), 2024 Figure 25: Housing / Mortgage Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 26: Housing / Mortgage Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 27: Housing / Mortgage Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 28: Auto Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 29: Auto Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 30: Auto Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 31: Education Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 32: Education Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 33: Education Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 34: Personal Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 35: Personal Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 36: Personal Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 37: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 38: Others – Loan Disbursement Volume Dynamics (Million), 2020–2029 Figure 39: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 40: SME/MSME Lending Market Share by Loan Purpose / Use Case (%), 2024 Figure 41: Working Capital Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 42: Working Capital Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 43: Working Capital Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 44: Expansion Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 45: Expansion Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 46: Expansion Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 47: Equipment / Machinery Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 48: Equipment / Machinery Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 49: Equipment / Machinery Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 50: Invoice Financing / Factoring – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 51: Invoice Financing / Factoring – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 52: Invoice Financing / Factoring – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 53: Trade Finance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 54: Trade Finance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 55: Trade Finance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 56: Real Estate / Commercial Property Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 57: Real Estate / Commercial Property Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 58: Real Estate / Commercial Property Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 59: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 60: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 61: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 62: Overall Lending Market Share by Distribution Channel (%), 2024 Figure 63: Branch / Physical – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 64: Direct Digital Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 65: Agent / Broker Channel – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 66: South Africa Alternative Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 67: South Africa Alternative Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 68: South Africa Alternative Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 69: Alternative Lending Market Share by End-User (%), 2024 Figure 70: Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 71: Consumer Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 72: Consumer Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 73: SME / MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 74: SME / MSME Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 75: SME / MSME Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 76: Alternative Lending Market Share by Finance Models (%), 2024 Figure 77: P2P Marketplace – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 78: P2P Marketplace – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 79: P2P Marketplace – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 80: Balance Sheet Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 81: Balance Sheet Lending – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 82: Balance Sheet Lending – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 83: Invoice Trading – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 84: Invoice Trading – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 85: Invoice Trading – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 86: Real Estate Crowdfunding – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 87: Real Estate Crowdfunding – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 88: Real Estate Crowdfunding – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 89: Other Models – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 90: Other Models – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 91: Other Models – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 92: Alternative Lending Market Share by Finance Models and End-User Segments (%), 2024 Figure 93: South Africa Alternative Lending by P2P Marketplace – Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 94: South Africa Alternative Lending by P2P Marketplace – SME/MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 95: South Africa Alternative Lending by P2P Marketplace – Property Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 96: South Africa Alternative Lending by Balance Sheet – Consumer Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 97: South Africa Alternative Lending by Balance Sheet – SME/MSME Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 98: South Africa Alternative Lending by Balance Sheet – Property Lending – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 99: Alternative Lending Market Share by Retail Loan Purpose / Use Case (%), 2024 Figure 100: Personal Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 101: Personal Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 102: Personal Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 103: Payroll Advance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 104: Payroll Advance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 105: Payroll Advance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 106: Home Improvement – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 107: Home Improvement – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 108: Home Improvement – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 109: Education/Student Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 110: Education/Student Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 111: Education/Student Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 112: Point of Sale Credit – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 113: Point of Sale Credit – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 114: Point of Sale Credit – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 115: Auto Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 116: Auto Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 117: Auto Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 118: Medical Loans – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 119: Medical Loans – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 120: Medical Loans – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 121: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 122: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 123: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 124: South Africa Alternative Lending Market Share by SME/MSME Loan Purpose / Use Case (%), 2024 Figure 125: Lines of Credit – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 126: Lines of Credit – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 127: Lines of Credit – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 128: Merchant Cash Advance – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 129: Merchant Cash Advance – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 130: Merchant Cash Advance – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 131: Invoice Factoring – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 132: Invoice Factoring – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 133: Invoice Factoring – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 134: Revenue Financing – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 135: Revenue Financing – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 136: Revenue Financing – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 137: Others – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 138: Others – Loan Disbursement Volume Dynamics (Thousands), 2020–2029 Figure 139: Others – Average Loan Ticket Size Dynamics (US$), 2020–2029 Figure 140: South Africa Alternative Lending Market Share by Payment Instrument (%), 2024 Figure 141: South Africa Payment Instrument of Alternative Lending by Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 142: South Africa Payment Instrument of Alternative Lending by Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 143: South Africa Payment Instrument of Alternative Lending by E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 144: South Africa Payment Instrument of Alternative Lending by Other – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 145: South Africa Alternative Lending Market Share by P2P Marketplace across Payment Instruments (%), 2024 Figure 146: P2P Marketplace across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 147: P2P Marketplace across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 148: P2P Marketplace across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 149: P2P Marketplace across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 150: South Africa Alternative Lending Market Share by Balance Sheet across Payment Instruments (%), 2024 Figure 151: Balance Sheet across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 152: Balance Sheet across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 153: Balance Sheet across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 154: Balance Sheet across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 155: Alternative Lending Market Share by Invoice Trading across Payment Instruments (%), 2024 Figure 156: Invoice Trading across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 157: Invoice Trading across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 158: Invoice Trading across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 159: Invoice Trading across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 160: South Africa Alternative Lending Market Share by Real Estate Crowdfunding across Payment Instruments (%), 2024 Figure 161: Real Estate Crowdfunding across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 162: Real Estate Crowdfunding across – Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 163: Real Estate Crowdfunding across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 164: Real Estate Crowdfunding across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 165: Alternative Lending Market Share by Other Finance Models across Payment Instruments (%), 2024 Figure 166: Other Finance Models across Credit Transfer – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 167: Other Finance Models across Debit Card – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 168: Other Finance Models across E-Money – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 169: Other Finance Models across Other Payment Instrument – Loan Disbursement Value Dynamics (US$ Million), 2020–2029 Figure 170: South Africa Alternative Lending by Age Group (%), 2024 Figure 171: South Africa Alternative Lending by Income Level (%), 2024 Figure 172: South Africa Alternative Lending by Gender (%), 2024 Figure 173: South Africa Alternative Lending by Delinquency Rate (%), 2024
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