In a landmark collaboration, the first-ever joint whitepaper brings together MENA's BNPL leaders - Tabby, Tamara, and Valu - to chart the sector's strategic evolution. This landmark study illuminates how flexible payments have transcended their origins as a simple checkout tool to become a cornerstone of financial inclusion in the region, particularly resonating with its digital-first demographic.

Through extensive desk research and executive interviews, driven by Statista, the report explores BNPL's transformation from simple checkout to lifestyle essential, examining how flexibility and transparency redefine consumer trust. It delves into responsible innovation for smarter spending, while highlighting how AI and regulation are shaping sustainable BNPL growth.

Through this collective insight, MENA emerges as a blueprint for BNPL evolution, demonstrating how industry collaboration, consumer-centric innovation, and regulatory foresight can transform digital payments.

The MENA region continues to undergo transformational changes in digital payments. For businesses, there are opportunities for revenue growth through improving payment choices and processes. This report describes the recent changes in digital payments which may be important to consider when planning for the future.

Estimates and prospects set out in this whitepaper have been prepared based on a research study done by Davies Hickman Partners. Davies Hickman conducted primary and secondary research in seven countries in the Middle East and North Africa (MENA): Bahrain, Egypt, Kuwait, Oman, Qatar, Saudi Arabia, and the UAE.

The Gen Z demographic has immense potential to drive future revenue for merchants, making it an important cohort for merchants to understand them better and address their unique needs.

This paper presents research findings about the mindset, behaviors, and payment trends of Gen Z, with focus on the United Arab Emirates, Saudi Arabia, and Egypt. These insights on Gen Z’s attitudes toward decision-making in general and digital payments in particular can be used by merchants to connect effectively with this audience – to drive healthy, and sustainable growth.

Get deep insights on the rapidly changing digital payments landscape and how younger consumers and companies influence digital payments. Understand what are the key themes that drive digital payments and the innovative payment solutions that drives adoption of digital payments.