{"id":3308,"date":"2025-06-12T08:31:05","date_gmt":"2025-06-12T00:31:05","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3308"},"modified":"2025-06-12T08:31:05","modified_gmt":"2025-06-12T00:31:05","slug":"%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e4%b9%a0%e6%83%af%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e6%b6%88%e8%b4%b9%e8%b6%8b%e5%8a%bf%e4%b8%8e%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e4%b9%a0%e6%83%af%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e6%b6%88%e8%b4%b9%e8%b6%8b%e5%8a%bf%e4%b8%8e%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90\/","title":{"rendered":"Middle East Payment Habits: Consumer Trends and Behavioural Analysis"},"content":{"rendered":"<p>Payment habits and consumer behaviour in the Middle East show a unique diversity, influenced by a combination of religious culture, economic structure and technological development. The following is an in-depth analysis of the region's payment ecology from six dimensions:<\/p>\n<p>I. Religious culture-driven payment characteristics<\/p>\n<ol>\n<li>Islamic Finance Compliance:<\/li>\n<\/ol>\n<ul>\n<li>Strict prohibition of \"riba\" (interest) trading, giving rise to Sharia-compliant financial products<\/li>\n<li>Murabaha (cost-plus financing) and Sukuk (Islamic bonds) dominate the landscape<\/li>\n<li>Islamic finance assets reach $4 trillion by 2022, growing at 14% annually<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>Cash dependent on tradition:<\/li>\n<\/ol>\n<ul>\n<li>Saudi Arabia's share of cash transactions remains at 52% (2023 central bank data)<\/li>\n<li>UAE cheque usage three times higher than global average<\/li>\n<li>\"Hawala\" informal remittance system flows over $30 billion annually<\/li>\n<\/ul>\n<p>II. The explosive growth of digital payments<\/p>\n<ol>\n<li>\n<p>Changes in e-wallet penetration:<br \/>\n|Country |2020 Penetration |2023 Penetration |Representative products|<br \/>\n|&#8212;|&#8212;|&#8212;|&#8212;|<br \/>\n|UAE|28% |61% |Careem Pay|<br \/>\n|Saudi Arabia |19% |54% |STC Pay|<br \/>\n|Egypt |6% |33% |Fawry|<\/p>\n<\/li>\n<li>\n<p>BNPL (Buy Now Pay Later) Rising:<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Tabby Becomes First Unicorn, Surpasses 30,000 Merchant Partners<\/li>\n<li>Tamara achieves 400% annual growth rate in Saudi Arabia<\/li>\n<\/ul>\n<p>III. Specificity of cross-border payments<\/p>\n<ol>\n<li>Demand for remittances from foreign workers:<\/li>\n<\/ol>\n<p>IV. Specificity of cross-border payments (continued)<\/p>\n<ol>\n<li>\n<p><strong>Demand for remittances from foreign workers<\/strong>::<\/p>\n<ul>\n<li>Middle East expat population share exceeds 40% (GCC country average), remittances scale by 2023<strong>$120 billion.<\/strong>(World Bank data)<\/li>\n<li>Traditional pain points: bank fees as high as 10%-15%, arrival cycle of 3-5 days<\/li>\n<li>Emerging Solutions:\n<ul>\n<li>Fintech like UAE's<strong>Al Ansari Exchange<\/strong>Launches instant delivery service with rates squeezed to below 1%<\/li>\n<li>Blockchain app: Ripple pilots cross-border clearing with Saudi Arabia's central bank<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>E-commerce driven cross-border payment innovation<\/strong>::<\/p>\n<ul>\n<li>Local platforms such as Noon and Namshi support \"localised settlement\" (automatic currency conversion + no cross-border fees)<\/li>\n<li>\"Cash on delivery\" still accounts for 301 TP3T, but digital prepaid share has risen from 181 TP3T to 451 TP3T in two years (RedSeer Consulting data)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>V. The critical role of government policy and infrastructure<\/h3>\n<ol>\n<li><strong>National level digitalisation drive<\/strong>::\n<ul>\n<li><strong>Saudi Vision 2030 Programme<\/strong>: Increase in non-cash transaction share target from 36% (2020) to 70% (2025)<\/li>\n<li><strong>UAE \"paperless strategy\"<\/strong>: Launch of the Unified Payments Interface UPI in 2022, connecting all banks and e-wallets<\/li>\n<\/ul>\n<\/li>\n<li><strong>Regulatory Sandbox Proving Ground<\/strong><br \/>\nBahrain's central bank has issued 15 digital payments licences, allowing testing of cryptocurrency settlements<\/li>\n<\/ol>\n<hr>\n<h3>VI. Segmentation of population behavioural differences<\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>group identity<\/strong><\/th>\n<th>Payment preferences<\/th>\n<th>typical case<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Generation Z (35% of population)<\/td>\n<td>BNPL usage rate 62%<\/td>\n<td>Tabby buys electronics in instalments<\/td>\n<\/tr>\n<tr>\n<td>high net worth individual (HNWI)<\/td>\n<td>Metallic credit cards\/virtual cards<\/td>\n<td>Emirates NBD's \"Dubai Unlimited Card\"<\/td>\n<\/tr>\n<tr>\n<td>blue-collar foreign workers<\/td>\n<td>Offline Agent Point Cash Recharge       \u00a0<\/td>\n<td>Pakistani workers send money home via Exchange House<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3>[Early warning of future trends]<\/h3>\n<ol>\n<li><strong>The explosion of biometric payments<\/strong>:<br \/>\nAbu Dhabi Islamic Bank has piloted 'vein-recognition' ATM withdrawals with an error rate of just 0.01%<\/li>\n<li><em><strong>Super App Aggregator<\/strong><\/em>:<br \/>\nKuwait's QPay integrates utilities, bus cards, online shopping in a single portal<br \/>\n3.<em><strong>Cryptocurrency Trial Compliance<\/strong><\/em>:<br \/>\nDubai releases VAST framework, requires exchanges to meet $1m capital reserve<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Payment habits and consumer behaviour in the Middle East show a unique diversity, influenced by religious and cultural...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3308","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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