مؤشر الكويت الأول يسجل أعلى مكاسب أسبوعية في قرابة 4 أشهر

CNBCArabia

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18:29 So Mashrek customers do about a little less than 30 million

18:46 transactions a month on their cards,

18:48 whether it's debit or credit or corporate.

18:52 I would say about the other change which has happened

18:54 is that about half of these transactions

18:56 are online, which wasn't the case earlier.

18:59 It has grown about five-fold in, let's say,

19:03 post-COVID or during COVID.

19:06 The other thing which is very surprising that we are seeing

19:09 is that--

19:10 maybe not that surprising, but I think the trend and the pace

19:14 at which this trend is going is still incredible,

19:18 is how much people are moving from using a physical card

19:23 to a digital device, like a card which is on their phone.

19:26 And that used to be, let's say, half a percent of our spending.

19:30 And now, within, let's say, three years or so,

19:33 it is more than 10% of our spending.

19:36 So that's a form factor, I would say,

19:39 which is really going up and continues to go up

19:42 at a very rapid pace.

19:43 So we are seeing high double-digit growth,

19:45 high teams growth in our lending portfolio.

19:49 It's growing quite well.

19:51 We are very focused on taking up this rate to more

19:55 towards doubling the rate that we are doing right now.

19:59 And I think a lot--

20:00 >> In which year?

20:01 >> Over the next 12 months, let's say.

20:04 And we want to move to a--

20:05 we want to increase the metabolic rate of our business

20:08 so that we are booking a lot more clients.

20:10 And I think that will happen because of all the changes

20:13 in how consumers are borrowing today.

20:16 So consumers earlier used to take big loans, right?

20:20 And then they used to have very defined purposes

20:22 in their mind.

20:23 Today, you can go online and shop for something

20:26 and you can get a loan, a buy now, pay later,

20:29 installment lending instantly.

20:31 And that's the area, that's the digital lending piece

20:34 that the bank wants to get into.

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