Most used payment methods in e-commerce in MEA in 2023, with a forecast for 2027

By 2027, debit cards, credit cards, prepayment, and cash-on delivery are expected to be less popular methods for online e-commerce payments in the Middle East and Africa. On the other hand, digital wallets, including mobile money, and account-to-account transfers are all expected to increase their share of the online payments market. Digital wallets Digital wallets are applications on connected devices like computers and mobile devices which store payment information from credit cards, debit cards, and even bank details. Popular services include Apple Pay, Google Pay, and PayPal. By 2026, these three services are expected to make up more than half the total value of e-commerce payments worldwide. Additionally, some e-commerce platforms in the region have launched their own digital wallets, such as JumiaPay in Africa and NoonPay in the United Arab Emirates. These digital wallets not only facilitate online payments, but also incentivize shoppers with exclusive offers, and rewards to shop on their platform. E-Commerce in the MEA E-commerce is a fast-growing industry worldwide, but relative to the rest of the world, the Middle East and Africa have a lot more potential for growth. In 2019, there were over 500 e-commerce funding deals concluded in the Middle East and North Africa. Amazon.sa (formerly Souq.com), Jumia, and Noon are some of the biggest players in the region. The e-commerce market size of the top three countries in the MENA region alone were expected to be worth over 10 billion U.S. dollars each. The increasing adoption of smartphones in the region has been a key factor in the rise in e-commerce penetration. Furthermore, e-commerce companies are better able to target products to customers through native mobile apps since they provide important analytics and user behavioral data.

至2027年，中东非洲地区在线电子商务支付方式中，借记卡、信用卡、预付卡及货到付款等传统支付手段预计将逐渐降低其受欢迎程度。与此同时，数字钱包（包括移动货币）以及账户间转账预计将显著提升其在在线支付市场中的份额。数字钱包，指存储在联网设备如电脑和移动设备上的应用程序，其中保存了信用卡、借记卡乃至银行账户的支付信息。流行的服务包括苹果支付（Apple Pay）、谷歌支付（Google Pay）和贝宝（PayPal）。预计到2026年，这三家服务提供商将占据全球电子商务支付总价值的超过一半。此外，该地区的一些电子商务平台也推出了自家的数字钱包，如非洲的JumiaPay和阿拉伯联合酋长国的NoonPay。这些数字钱包不仅简化了在线支付流程，还通过专属优惠和奖励机制激励消费者在其平台上购物。在中东非洲地区，电子商务行业正呈现快速增长态势，相较于全球其他地区，中东非洲地区具有更大的增长潜力。2019年，中东北非地区共完成了超过500笔电子商务融资交易。Amazon.sa（原Souq.com）、Jumia和Noon是该地区的主要参与者。仅在中东北非地区的前三大国家的电子商务市场规模预计将超过100亿美元。智能手机在该地区的广泛应用是推动电子商务渗透率上升的关键因素。此外，电子商务公司能够通过原生移动应用程序更精准地针对消费者进行产品推广，因为这些应用程序提供了重要的分析和用户行为数据。