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Consumer Credit in South Africa

Consumer Credit in South Africa

With the pandemic exposing and reinforcing wealth inequality in south Africa, an increasing number of financial operators are developing strategies targeting lower-income groups. In line with this trend, Nedbank introduced flexible short-term loan terms ranging from ZAR250 to ZAR6,000 that could be accessed from various points, including ATMs, mobile apps, and branches. The service was set to compete with informal lending due to its competitive fees. The expansion of micro-lending services was a...

Consumer Credit in South Africa report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Consumer Credit market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Consumer Credit in South Africa

CONSUMER CREDIT IN SOUTH AFRICA
KEY DATA FINDINGS
2021 DEVELOPMENTS
Innovation targets lower-income groups
Capitec expands purpose-driven lending services
E-commerce drives demand for online BNPL platforms
PROSPECTS AND OPPORTUNITIES
Recovery will align with improvement in economic activities
Rapid Payments Programme will give room to greater fintech lending
CATEGORY DATA
Table 1 Consumer Credit: Outstanding Balance by Category: Value 2016-2021
Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2016-2021
Table 3 Consumer Credit: Gross Lending by Category: Value 2016-2021
Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2016-2021
Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2021-2026
Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2021-2026
Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2021-2026
Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2021-2026
CONSUMER LENDING IN SOUTH AFRICA
EXECUTIVE SUMMARY
Consumer lending in 2021: The big picture
Buy Now Pay Later gains traction in retailing
Demand for informal loans rises despite high fees
Low repo rate stimulates performance of mortgages/housing
The Big Four face intensifying competition
What next for consumer lending?
MARKET DATA
Table 9 Consumer Lending: Outstanding Balance by Category: Value 2016-2021
Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2016-2021
Table 11 Consumer Lending: Gross Lending by Category: Value 2016-2021
Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2016-2021
Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2016-2021
Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2016-2021
Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2016-2021
Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2016-2021
Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2021-2026
Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2021-2026
Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2021-2026
Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2021-2026
DISCLAIMER
SOURCES
Summary 1 Research Sources

Report Title: Consumer Credit in South Africa


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