中東・アフリカのオンライン決済手法：2022年

中東・アフリカ地域のデジタル決済業界は、新型コロナウイルス感染症 (COVID-19) の発生前からすでに成長しており、今回の健康上の危機により、その成長は加速しています。地域別で見ると、2021年のモバイルマネー取引量は東部アフリカが最も多く、北部アフリカが最も少なく、地域によってデジタル決済の導入に大きな差があることが示されています。

当レポートでは、中東・アフリカのオンライン決済の市場を調査し、世界市場の動向、中東・アフリカ地域および主要国における動向、消費者の好み、事業者および金融機関の取り組みなどをまとめています。

第1章 経営の概要

第2章 世界展開

• オンラインおよびモバイル決済の動向
• パンデミック時にオンラインショッピングで最も使用された決済手法
• オンラインショッピングの際に使用される決済手法の割合：COVID-19以前との比較
• パンデミック時に決済手法を変更する理由
• Eコマース決済額・POS決済額の実績・予測
• 現金決済の割合の実績・予測：地域別
• 非接触型カードの取引額
• 非接触型カード取引の割合
• 仮想カード取引額の実績・予測
• BNPL B2C Eコマース売上高の実績・予測
• BNPLユーザー数の実績・予測
• B2C Eコマース決済のBNPLのシェア
• デジタルウォレット決済額の実績・予測
• OEMモバイル決済アプリによるB2C Eコマース決済額
• モバイルウォレットユーザー数の実績・予測：地域別
• 世界の近接モバイル決済ユーザー数の推移・予測
• 近接モバイル決済ユーザー数の普及率
• オンラインマーチャントの決済手法
• 店舗での購入の選択に影響を与える要因
• 中小企業の成長分野
• 今後2年以内にデジタル決済のみの使用を計画している消費者と中小企業の割合
• QRコード決済取引額
• 暗号通貨の決済額
• モバイルマネー統計：概要

第3章 中東・アフリカ

• 地域動向
  • オンラインおよびモバイル決済の動向
  • 2025年までに最も好まれる決済手法
  • 2025年までに市場リーダーになる可能性が高い決済手法
  • 銀行のイノベーション手法
  • 2銀行の優先事項
  • 銀行によるデジタルビジネスの進化への認識
  • 銀行に最大の影響を与える動向
  • 決済部門の主要なFinTech新興企業の概要
  • アフリカのモバイルマネー統計：概要
  • アフリカのフィンテック企業による総投資額
  • アフリカの主要なフィンテック資金調達ラウンド：概要

第4章 中東

• UAE
• サウジアラビア
• イスラエル
• ヨルダン
• オマーン

第5章 アフリカ

• 南アフリカ
• エジプト
• ナイジェリア
• モロッコ
• ケニア
• チュニジア

Middle Eastern and African shoppers are progressively adopting online payments, even post-COVID-19: new yStats.com report.

Electronic payments globally continue to gain momentum, even post-pandemic

According to findings in the new yStats.com report, the online payments industry worldwide continues to progress, initially driven by the increased digital payment adoption throughout the pandemic. Common payment methods remain mostly card-based, with debit and credit cards ranking among the most preferred payment methods when shopping online. Another payment method gaining momentum currently globally is digital wallet as more and more consumers are using it to pay for their purchases online. Due to the growing use of digital wallets, online merchants are also adjusting their offered payment methods, with almost half of all E-Commerce companies already accepting digital wallets as payment methods and around one third planning to expand their digital wallet adoption in the future.

Consumers in the Middle East and Africa continue to adopt digital payments, overcoming major barriers

The digital payment industry in the MEA region was already growing prior to the onset of the pandemic and its growth has been accelerated by the health crisis. When looking at the different regions in Africa during the pandemic, Eastern Africa displayed the highest and Northern Africa the lowest mobile money transaction volume in 2021, implying a big discrepancy in digital payment adoption throughout the different regions in Africa, as detailed in the yStats.com report. Whereas, when compared to the traditional banking sector, the mobile money sector in Africa has drastically improved accessibility and ease of use for its consumers, though lack of knowledge and relevance persist as the main barriers for mobile money account ownership in this region. In the Middle East, card and digital wallets are growing in use among online shoppers.

Banking sector is adjusting to the changing consumer preferences

As the consumers are increasingly opting for online payment methods, banking is also shifting towards the digital payment trend. Over one third of surveyed banking executives in the MEA region stated their highest priority for the upcoming years is to master digital marketing to improve their digital presence for consumers. Another approximate two thirds expect digital wallets to be among the most preferred payment methods of consumers in their respected markets in a few years.

Covered Regions

Middle East and Africa.

Companies Mentioned

BitOasis, Chipper Chash, Flutterwave, Jumo, Lucky, MTN-Halan, Opay, Palmpay, PayTabs, Postpay, Tabby, Tala, Tamara, Tymebank, Wave, Zepz.

Table of Contents

1. Management Summary

2. Global Developments

• Online & Mobile Payment Trends, May 2022
• Most Used Payment Methods When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2021
• Payment Methods Used More Frequently Compared To Pre-COVID-19 When Shopping Online, in % of Online Shoppers, by Selected Countries, April 2021
• Reason For Changing Payment Method Habits During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2021
• Payment Value, by E-Commerce Payments and POS Payments, in USD trillion, 2021 & 2026f
• Share of Cash Payments, in % of Total POS Transaction Value, by Region, 2021 & 2025f
• Value of Contactless Card Transactions, in USD trillion, 2020 & 2021e
• Share of Contactless Card Transactions, in % of Overall Contactless Transaction Value, 2021e
• Virtual Card* Transaction Value, in USD trillion, 2021 & 2026f
• BNPL B2C E-Commerce Sales, in USD billion, 2021e & 2026f
• Number of BNPL Users, in millions, 2021e & 2026f
• BNPL Share of B2C E-Commerce Payments, in %, 2021e & 2026f
• Value of Digital Wallet Transactions, in USD trillion, 2022f & 2026f
• Number of B2C E-Commerce Transactions Paid by OEM Mobile Payment Apps, in billions, 2022f & 2026f
• Number of Mobile Wallet Users, by Region, in millions, 2020 & 2025f
• Proximity Mobile Payment Users Worldwide, in millions, and Year-on-Year Change, in %, 2020 - 2025f
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2020 - 2025f
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2021e
• Payment Methods Accepted by Online Merchants, by Already Accepted and Planned, in % of Online Merchants, February 2022
• Factors Influencing Store Purchasing Choice, Excluding Digital Payments, in % of Consumers, December 2021
• Areas for Growth According to Small Businesses, in % of Small Businesses, December 2021
• Share of Consumers and Small Businesses Planning to Use Digital Payment Methods Exclusively Within the Next Two Years, in %, December 2021
• QR Code Payment Transaction Value, in USD trillion, 2022e & 2025f
• Cryptocurrency Payment Value, in USD billion, 2018 - 2023f
• Overview of Mobile Money Statistics, incl. Number of Live Services, Registered Accounts, in millions, Active Accounts, in millions, Transaction Volume in millions, and Transaction Value, in USD billion, and Year-on-Year Growth, in %, by Region, 2021

3. Middle East & Africa

• 3.1 Regional
  • Online & Mobile Payment Trends, June 2022
  • Most Preferred Payment Methods by 2025, in % of Respondents, 2020
  • Payment Method Likely To Be Market Leader by 2025, in % of Respondents, 2020
  • Banks' Innovation Methods, in % of Banking Executives, March 2021
  • Banks' Priorities by 2026, in % of Banking Executives, March 2021
  • How Banks View Their Digital Business Evolvement by 2023, in % of Banking Executives, March 2021
  • Trends To Have The Biggest Impact on Banks by 2025, in % of Banking Executives, March 2021
  • Overview of Selected Leading FinTech Startups in the Payments Sector, incl. Company Name, Solution, Funding, Country and Year Established, December 2021
  • Overview of Mobile Money Statistics in Africa, incl. Number of Live Services, Registered Accounts, in millions, Active Accounts, in millions, Transaction Volume in millions, and Transaction Value, in USD billion, and Year-on-Year Growth, in %, by Sub-Region, 2021
  • Total Investment Raised by African FinTechs, in USD million, 2020 & 2021
  • Overview of Selected Major FinTech Funding Rounds in Africa, by Country, 2021

4. Middle East

• 4.1. UAE
  • Digital Payment Transaction Value, in USD billion, 2020 & 2030f
  • Number of Digital Payment Transactions, in billions, 2020 & 2030f
  • Average Annual Digital Payment Transaction Value Per User, in USD, 2019-2021
  • Breakdown of Most Used Payment Methods, in %, 2021
  • View On Digital Payments, in % of Merchants, 2020
  • Measures Small Businesses Without Online Presence Plan To Take In The Future, in % of Small Businesses, 2020
• 4.2. Saudi Arabia
  • Breakdown of Most Used Payment Methods, in %, 2021
  • Most Preferred Banking Channel, in % of Adults, October 2021
  • Trust Levels Towards Financial Transaction Service Providers, in % of Adults, October 2021
  • Attitude Towards New Financial Services, in % of Adults, October 2021
• 4.3. Israel
  • Breakdown of Most Used Payment Methods, in %, 2021
  • Breakdown of Payment Terminals Supporting Wireless Payments, in %, 2021
  • Breakdown of Types of Credit Card Payments, in %, 2021
• 4.4. Jordan
  • Top Banking Activities, in % of Digital Financial Service Users, 2021
  • Breakdown of Mobile Wallet Usage, by Banked and Unbanked, in % of Respondents, 2021
  • Reasons For Owning Mobile Wallets, in % of Mobile Wallet Owners, 2021
• 4.5. Oman
  • Number of POS Transactions, in millions, 2020 & 2021e

5. Africa

• 5.1. South Africa
  • Breakdown of Top Payment Methods, in %, 2021
  • Share of Respondents Who Made Mobile Payments, in %, 2019 & 2020
  • Contactless Payments* Value, in ZAR billion, 2020 & 2021
• 5.2. Egypt
  • Top 5 Online Payment Methods, in % of Total Payments, 2021
  • B2C E-Commerce Volume by Payment Method, in USD billion, 2020
  • Breakdown of B2C E-Commerce Transactions, in %, 2021
  • Number of Mobile Wallets, in millions, H1 2020 & H1 2021
• 5.3. Nigeria
  • Top 5 Online Payment Methods, in % of Total Payments, 2021
  • Electronic Payment Transactions, incl. Number, in millions, and Value, in NGN billion, by Type, 2020
• 5.4. Morocco
  • Top 4 Online Payment Methods, in % of Total Payments, 2021
  • Number of Online Transactions Made with Bank Cards, in millions, and Value, in MAD billion, by Domestic Credit Cards and Domestic and Foreign Cards (Total), September 2018 - September 2021
• 5.5. Kenya
  • Top 3 Online Payment Methods, in % of Total Payments, 2021
  • Mobile Payment Statistics, incl. Number of Transactions, in Millions, Value of Transactions, in KES Billion, Number of Accounts, in Millions, and Number of Agents, in Thousands, 2011 - 2021
  • Financial Account Penetration, by Type, in % of Adults, 2021
• 5.6. Tunisia
  • Share of Online Shoppers Paying Online For Their E-Commerce Purchases, in %, 2020