{"id":264805,"date":"2025-11-01T14:42:47","date_gmt":"2025-11-01T15:42:47","guid":{"rendered":"https:\/\/www.premium-partners.net\/?p=264805"},"modified":"2025-11-02T10:16:03","modified_gmt":"2025-11-02T10:16:03","slug":"how-bnpl-is-changing-shopping-habits","status":"publish","type":"post","link":"https:\/\/www.premium-partners.net\/fr\/builder\/how-bnpl-is-changing-shopping-habits\/","title":{"rendered":"How BNPL is changing shopping habits"},"content":{"rendered":"

This post<\/a> was originally published on this site<\/a><\/p>

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South African consumers are no longer waiting until the last week of November to hunt for bargains. With Black Friday now a month-long event, shoppers start eyeing deals as early as October. Larger retailers are expected to roll out bigger-ticket offers earlier, too. While this may pull some spending away from December, it reflects a growing need for consumers to plan for end-of-year and back-to-school costs.<\/p>\n

E-commerce is expected to surge by the end of 2025, and digital payments will play a bigger role in Black Friday spend. With only one in five South Africans holding a credit card, services like Buy Now Pay Later (BNPL) are giving more shoppers access to promotions and driving sales growth. Through PayJustNow, retail transaction value grew 94% comparing November 2022 to November 2023, and a further 140% when comparing November 2023 to November 2024.<\/p>\n

Consumers are leaning on BNPL for convenience, splitting payments on big-ticket purchases rather than dipping into savings. We\u2019ve also seen a shift toward quality over quantity, paired with a stronger awareness of overconsumption. High-end second-hand stores, offering exclusive pre-loved designer fashion and accessories, were among last year\u2019s top-performing BNPL sellers. Looking ahead, we expect electronics sales to climb, with Chinese manufacturers diverting more technology into South Africa and making it available at more accessible price points.<\/p>\n

Despite e-commerce\u2019s growth, brick-and-mortar retail remains a powerhouse. Just over half of PayJustNow\u2019s Black Friday weekend transactions last year happened in-store, with emporium-style retailers, selling across categories like homeware, appliances, furniture, and electronics, drawing the most foot traffic. That said, decision-making starts online. In November, PayJustNow\u2019s deals page attracted close to 50 million views, driving more than 100% growth in unique clicks to online stores. Notably, consumer interest surged early, with an 85% increase in site visits between September and October.<\/p>\n

The sweet spot for discounts remains in the 25\u201330% range. While some partners have gone as far as 60% off in past years, we expect to see more of those aggressive promotions this year.<\/p>\n

* McChlery is the chief data and analytics officer at PayJustNow.<\/em><\/p>\n

PERSONAL FINANCE<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

South African consumers are no longer waiting until the last week of November to hunt for bargains. With Black Friday now a month-long event, shoppers start eyeing deals as early as October. Larger retailers are expected to roll out bigger-ticket offers earlier, too. While this may pull some spending away from December, it reflects a growing need for consumers to plan for end-of-year and back-to-school costs.E-commerce is expected to surge by the end of 2025, and digital payments will play a bigger role in Black Friday spend. With only one in five South Africans holding a credit card, services like Buy Now Pay Later (BNPL) are giving more shoppers access to promotions and driving sales growth. Through PayJustNow, retail transaction value grew 94% comparing November 2022 to November 2023, and a further 140% when comparing November 2023 to November 2024.Consumers are leaning on BNPL for convenience, splitting payments on big-ticket purchases rather than dipping into savings. We\u2019ve also seen a shift toward quality over quantity, paired with a stronger awareness of overconsumption. High-end second-hand stores, offering exclusive pre-loved designer fashion and accessories, were among last year\u2019s top-performing BNPL sellers. Looking ahead, we expect electronics sales to climb, with Chinese manufacturers diverting more technology into South Africa and making it available at more accessible price points.Despite e-commerce\u2019s growth, brick-and-mortar retail remains a powerhouse. Just over half of PayJustNow\u2019s Black Friday weekend transactions last year happened in-store, with emporium-style retailers, selling across categories like homeware, appliances, furniture, and electronics, drawing the most foot traffic. That said, decision-making starts online. In November, PayJustNow\u2019s deals page attracted close to 50 million views, driving more than 100% growth in unique clicks to online stores. Notably, consumer interest surged early, with an 85% increase in site visits between September and October.The sweet spot for discounts remains in the 25\u201330% range. While some partners have gone as far as 60% off in past years, we expect to see more of those aggressive promotions this year.* McChlery is the chief data and analytics officer at PayJustNow.PERSONAL FINANCE<\/p>","protected":false},"author":1,"featured_media":264807,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-264805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-builder"],"_links":{"self":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/264805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/comments?post=264805"}],"version-history":[{"count":1,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/264805\/revisions"}],"predecessor-version":[{"id":264806,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/posts\/264805\/revisions\/264806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/media\/264807"}],"wp:attachment":[{"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/media?parent=264805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/categories?post=264805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.premium-partners.net\/fr\/wp-json\/wp\/v2\/tags?post=264805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}