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UAE Buy Now Pay Later Business and Investment Opportunities

UAE Buy Now Pay Later Business and Investment Opportunities

The buy now, pay later (BNPL) trend is picking pace in the UAE as more financial technology platforms align with retailers to make shopping convenient and more accessible in these cost-conscious times...

UAE Buy Now Pay Later Business and Investment Opportunities – 75+ KPIs on Buy Now Pay Later Trends by End-Use Sectors, Operational KPIs, Market Share, Retail Product Dynamics, and Consumer Demographics
Summary
The buy now, pay later (BNPL) trend is picking pace in the UAE as more financial technology platforms align with retailers to make shopping convenient and more accessible in these cost-conscious times. Apart from the surge in e-commerce shopping, the BNPL movement has become the most significant retail trend that the local retail sector has witnessed since the onset of the global pandemic. According to PayNXT360’s Q2 2021 BNPL Survey, BNPL payment in the country is expected to grow by 71.5% on annual basis to reach US$ 697.1 million in 2021.
    
Apart from BNPL's offering on e-commerce stores, investors believe the physical point of sale will play a crucial role in the future of BNPL in the UAE. As the global pandemic impact diminishes, BNPL firms are expected to take more business at the shop in the country.

In recent years, all of the BNPL platforms operating in the United Arab Emirates have entered the deferred payment industry. Consequently, the BNPL industry is still in its early stages of development in the country. Some of the key BNPL platforms that offer consumers the deferred payment option in the UAE include Tabby, Tamara, Spotti, Rise, Postpay, Cashew, and Aramex Smart.
 
These startups are targeting consumers in different sectors. For instance, UAE-based Tabby offers BNPL services in the fashion and home category, Rise offers BNPL products in the electronics and migrant banking category. In contrast, Spotti allows consumers to make deferred payments in the fashion and beauty categories, and Postpay offers consumers the BNPL service in the travel and health and fitness categories. Notably, Saudi Arabia-based BNPL service, Tamara, allows consumers to make deferred payments in the fashion and beauty category. 

Medium to long term growth story of BNPL industry in United Arab Emirates remains strong. The BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 31.8% during 2021-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 333.9 million in 2020 to reach US$ 4032.5 million by 2028.
Scope
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in UAE. Below is a summary of key market segments:
UAE BNPL Market Size and Spending Pattern
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis 

UAE Buy Now Pay Later Market Share Analysis by Key Players
UAE Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast
•	Online Channel
•	POS Channel
UAE Buy Now Pay Later in Retail Shopping: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis 
UAE Buy Now Pay Later in Home Improvement: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
UAE Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
UAE Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
UAE Buy Now Pay Later in Education: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
UAE Buy Now Pay Later in Automotive: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
UAE Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
•	Buy Now Pay Later Sales Uplift by Product Category
•	Buy Now Pay Later Spend Share by Age Group
•	Buy Now Pay Later Gross Merchandise Share by Income 
•	Buy Now Pay Later Gross Merchandise Value Share by Gender
•	Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis
Reason to buy
• The high growth potential of the BNPL sector in the country is attracting investment from global BNPL players in the UAE. This is also helping UAE-based BNPL startups to scale their operations in the country. For instance, in Jun 2021, UAE-based BNPL startup, Postpay secured a strategic investment from AP Ventures and leading global BNPL brand Afterpay.

• In-depth Understanding of Buy Now Pay Later Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028). Understand market dynamics through essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction.

• Insights into Opportunity by end-use sectors – Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.

• Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate BNPL strategy; assess market specific key trends, drivers, and risks in the BNPL industry.

• Get Insights into Consumer Attitude and Behaviour: Drawing from proprietary survey results, this report identifies and interprets key Buy Now Pay Later KPIs, including spend by age, gender, and income level.

• Market Share by Key Players.
Table of Contents
 1. About this Report
1.1 Summary
1.2 Methodology
1.3 Disclaimer

2. United Arab Emirates BNPL Market Size and Future Growth Dynamics
2.1 Consumer Behavior
2.2 Competitive Landscape and Growth Strategies
2.3 Market Share
2.4 Regulatory Trends

3. United Arab Emirates Buy Now Pay Later Industry Attractiveness
3.1 United Arab Emirates Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2019-2028
3.2 United Arab Emirates Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2019-2028
3.3 United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis, 2019-2028

4. United Arab Emirates Buy Now Pay Later Operational KPIs
4.1 Buy Now Pay Later Revenues, 2019 – 2028
4.2 Buy Now Pay Later Share by Revenue Segments
4.3 Buy Now Pay Later Merchant Commission, 2019 – 2028
4.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
4.5 Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
4.6 Buy Now Pay Later Consumer Account Count, 2019 – 2028
4.7 Buy Now Pay Later Bad Debt, 2019 – 2028

5. United Arab Emirates Buy Now Pay Later Spend Analysis by Channel
5.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
5.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
5.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

6. United Arab Emirates Buy Now Pay Later Snapshot by End-Use Sector
6.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
6.2 Buy Now Pay Later Sales Uplift by End-Use Sector
6.3 Buy Now Pay Later Share by Retail Product Category

7. United Arab Emirates Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 – 2028
7.1 United Arab Emirates Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2019-2028
7.2 United Arab Emirates Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2019-2028
7.3 United Arab Emirates Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2019-2028

8. United Arab Emirates Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 – 2028
8.1 United Arab Emirates Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2019-2028
8.2 United Arab Emirates Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2019-2028
8.3 United Arab Emirates Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2019-2028

9. United Arab Emirates Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast, 2019 – 2028
9.1 United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis, 2019-2028
9.2 United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis, 2019-2028
9.3 United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis, 2019-2028

10. United Arab Emirates Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 – 2028
10.1 United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2019-2028
10.2 United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2019-2028
10.3 United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2019-2028

11. United Arab Emirates Buy Now Pay Later in Other Segment: Market Size and Forecast, 2019 – 2028
11.1 United Arab Emirates Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis, 2019-2028
11.2 United Arab Emirates Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis, 2019-2028
11.3 United Arab Emirates Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis, 2019-2028

12. United Arab Emirates Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
12.1 Buy Now Pay Later Spend Share by Age Group
12.2 Buy Now Pay Later Gross Merchandise Share by Income
12.3 Buy Now Pay Later Gross Merchandise Value Share by Gender
12.4 Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis

13. Further Reading
13.1 About PayNXT360
13.2 Related Research
List Of Table
Table 1: United Arab Emirates Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: United Arab Emirates Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: United Arab Emirates Buy Now Pay Later – Revenues (Million), 2019-2028
Table 5: United Arab Emirates Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Table 6: United Arab Emirates Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Table 7: United Arab Emirates Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Table 8: United Arab Emirates Buy Now Pay Later – Consumer Account Count, 2019-2028
Table 9: United Arab Emirates Buy Now Pay Later – Bad Debt (Million), 2019-2028
Table 10: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 11: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 12: United Arab Emirates Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: United Arab Emirates Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: United Arab Emirates Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 15: United Arab Emirates Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: United Arab Emirates Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: United Arab Emirates Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 18: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 21: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 24: United Arab Emirates Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: United Arab Emirates Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: United Arab Emirates Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: United Arab Emirates Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: United Arab Emirates Buy Now Pay Later – Share by Gender and Age Group
Figure 4: United Arab Emirates Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: United Arab Emirates Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 5019-5058
Figure 6: United Arab Emirates Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 8: United Arab Emirates Buy Now Pay Later – Revenues (Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: United Arab Emirates Buy Now Pay Later – Merchant Commission (Million), 2019-20210
Figure 11: United Arab Emirates Buy Now Pay Later – Missed Payment Fee Revenue (Million), 20111-20211
Figure 12: United Arab Emirates Buy Now Pay Later Pay Now & Other Income (Million), 20112-2028
Figure 13: United Arab Emirates Buy Now Pay Later – Consumer Account Count, 2019-2028
Figure 14: United Arab Emirates Buy Now Pay Later – Bad Debt (Million), 2019-2028
Figure 15: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 16: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 17: United Arab Emirates Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 18: United Arab Emirates Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 19: United Arab Emirates Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2028
Figure 20: United Arab Emirates Buy Now Pay Later – Market Share by End-Use Sector, 2020 Vs. 2025
Figure 21: United Arab Emirates Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2028
Figure 22: United Arab Emirates Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2222-2228
Figure 23: United Arab Emirates Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2319-2328
Figure 24: United Arab Emirates Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: United Arab Emirates Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: United Arab Emirates Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 27: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: United Arab Emirates Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 30: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2030
Figure 31: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2031
Figure 32: United Arab Emirates Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 33: United Arab Emirates Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: United Arab Emirates Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 35: United Arab Emirates Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 36: United Arab Emirates Buy Now Pay Later – Share by Age Group in Gross Merchandise Value Terms
Figure 37: United Arab Emirates Buy Now Pay Later – Share by Income Group in Value Terms
Figure 38: United Arab Emirates Buy Now Pay Later – Share by Gender in Value Terms
Figure 39: Buy Now Pay Later – Adoption Rationale Gross Merchandise Value Analysis
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