Enabling POS Lending Launch in KSA for Digital Finance International.

Client Overview

Digital Finance International which is Bulgaria-based digital finance solution provider, known for its innovative financial services, sought to expand into the Kingdom of Saudi Arabia (KSA) by launching a Point-of-Sale (POS) lending solution​. The goal of the client was to assess whether there was an underserved demand for POS lending in KSA, evaluate the market potential, and identify opportunities across different retail segments.

Our Approach

We segmented the market by retail industries (e.g., electronics, fashion, home goods, etc.), merchant sizes (small, medium, large), and city types (big cities such as Riyadh, Jeddah, and smaller cities).​

After segmenting the market, we conducted interviews to get better market understanding-

• Merchant Interviews: Conducted a total of 50 interviews with a mix of telephonic and face-to-face interactions​
• 30 telephonic interviews with small to medium-sized merchants across a variety of retail sectors in both large and small cities.​
• 20 face-to-face interviews with large retailers in high-demand industries such as electronics, luxury goods, and home appliances, predominantly in larger cities.​
• Industry Expert Interviews: Held 10 in-depth interviews with industry experts from retail associations, financial institutions, and fintech startups to gauge the current market demand for POS lending solutions, identify gaps, and assess future growth potential​.

Impact We Created

• Majority of the merchants interviewed expressed interest in adopting POS lending solutions to boost sales and offer flexible payment options to customers.​
• We recommended phased expansion plan starting with major cities like Riyadh, Jeddah, and Dammam, followed by a secondary focus on smaller cities with high retail activity.