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The future of payments in the Middle East

中东支付的未来

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【来源】: 麦肯锡
【时间】: 2021-08-24
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The payments landscape in the Middle East is heading for an inflection point. Despite the region’s digitally savvy population—with smartphone penetration reaching 80 to 90 percent in leading markets—the region has remained heavily dependent on cash. Only about a third of retail transactions are conducted electronically, thanks to factors such as underdeveloped digital-payments infrastructure and services, underbanked consumer and merchant segments, and a cultural bias toward cash. However, new government and regulatory initiatives, coupled with the entry of new local, regional, and global payment providers, are bringing rapid change. Moreover, the COVID-19 pandemic has triggered an acceleration of digital adoption and a flight from cash, as it has in other regions.

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