--- title: "Beyond the Checkout Button: What Gulf Shoppers Want | Yuno" description: Yuno and Tabby on why flexible payments decide who wins MENA - and what a market-ready checkout takes before you launch in the Gulf. image: https://landings.y.uno/hubfs/raw_assets/public/yuno-webinars/og/beyond-the-checkout-button-og-infocus.png --- infocus[by](https://www.y.uno)×![Tabby](https://landings.y.uno/hubfs/tabby%20logo.png)Payments, AI and tech, explained On-Demand # Beyond the checkout button: what 25 million Gulf shoppers actually want The Gulf is one of the fastest-growing e-commerce regions on earth – and one of the easiest to enter wrong. Merchants arrive with a card-first stack built for Western markets, then watch conversion stall against consumers who shop, trust, and pay differently. Two payments leaders break down how flexible payments became essential to winning in MENA, and what a market-ready stack looks like in the agentic commerce era. Available now**Duration** 20 min ![Sumit Tyagi](https://landings.y.uno/hubfs/social-suggested-images/summit.png)![Sally Batha](https://landings.y.uno/hubfs/sally.jpeg) **Sumit Tyagi & Sally Batha**Yuno · Tabby ## Watch the Recording Fill in your details to access the full session. About This Session The Gulf isn’t just highly banked, it’s highly Tabby-integrated. Two in three adults hold an account, and a third of merchant checkout volume already runs through flexible payments. But the story behind that scale is more nuanced than “young shoppers love instalments.” It’s a region where credit cards never fully took hold, where regulators built the rails before the rush, and where the same product serves a $30 top and a $3,000 laptop. Two payments leaders unpack why flexible payments became non-negotiable for merchants entering MENA, how regulation is shaping who partners versus who builds, and what comes next as commerce itself starts to change. The Challenge ## In MENA, “we accept cards” is the fastest way to leave revenue on the table Merchants entering the Gulf budget for product, marketing, and logistics – and assume their existing card stack is enough on its own. It rarely is. The Gulf is one of the most banked, digitally advanced regions on earth – cards are well established – but with roughly 60% of the population under 30, consumer expectations are shifting fast toward payments that add value at checkout. For a generation of high-disposable-income shoppers, flexible, interest-free options aren’t a convenience layer – they’re increasingly the way they choose to buy. The result is a checkout that punishes the wrong defaults. A stack that doesn’t offer the methods local shoppers expect – Buy Now Pay Later (BNPL), plus rails like mada and Jaywan – converts a fraction of the traffic you paid to acquire. And bolting on each market one integration at a time turns “expand into MENA” into a multi-quarter engineering program before a single localized transaction clears. The infrastructure decisions you make before launch quietly set what the region actually costs you. What You Will Learn ## In 20 minutes, you will walk away with: 00:00 → 20:00 Chapter 1 ### Why MENA Doesn’t Check Out Like Your Home Market The structural reasons flexible payments are growing fast in the Gulf – a young, mobile-first majority and consumer expectations that increasingly favor value at checkout – and what that means for your payment mix on day one. Chapter 2 ### The Real Cost of a Card-Only Launch Where conversion leaks when your checkout misses local methods, and how to size that gap before it’s baked into your regional P&L. Chapter 3 ### How BNPL Turns Browsers Into Buyers Why the region’s largest BNPL platform now spans 25 million users and $18B in annualised volume across 65,000+ active retailers – and how flexible payments lift conversion and average order value when they match local behavior. Chapter 4 ### Enter the Gulf Through One Integration How to add Tabby and the region’s essential local rails through a single Yuno integration – and route across acquirers and methods intelligently, instead of rebuilding per market. Why It Matters ## The infrastructure you choose before launch decides what MENA actually costs you ### The Local-Method Gap, Quantified A framework to find where a card-first checkout silently loses Gulf shoppers – and what closing it is worth. ### One Integration, Region-Ready Why consolidating Tabby and local rails behind a single layer beats stitching providers together market by market. ### Audit Before You Launch A pre-expansion payments checklist that catches the MENA-specific gaps most go-to-market plans miss until conversion data exposes them. Who This Is For ## Built for senior payments, growth, and commerce leaders Built for Heads of Payments, VPs of Product and Growth, CFOs, and commercial leaders at companies entering or scaling across the Middle East. If you’re preparing a market entry in Saudi Arabia, the UAE, or the wider Gulf – anywhere local rails and consumer payment behavior differ sharply from your home market – this session is for you. Head of PaymentsVP of ProductVP of GrowthCFOCommercial Leaders Your Speakers [Watch the Recording](https://landings.y.uno/beyond-the-checkout-button-webinar#register) ![Sumit Tyagi](https://landings.y.uno/hubfs/social-suggested-images/summit.png)Yuno **Sumit Tyagi**Business Development Director Sumit Tyagi leads Yuno’s business across the Middle East and North Africa, based in Dubai. He brings over 15 years in regional payments, with senior roles at Amazon Payments, Western Union, and Visa. At Visa he ran Cybersource sales for MENA and owned the prepaid P&L across 43 countries. About Yuno Yuno is the AI-native intelligence system of global payments and financial services — the neutral layer the whole ecosystem runs on: every provider, every rail, every market. ![Sally Batha](https://landings.y.uno/hubfs/sally.jpeg)Tabby **Sally Batha**Senior Business Development Manager Sally Batha is senior business development manager at Tabby, one of the company’s first hires. A University of Leeds graduate in International Business and Finance, she’s helped thousands of businesses grow with Tabby, and runs two businesses of her own in retail and FMCG. About Tabby Tabby is a financial technology company that gives millions of people power over their money and flexibility in everyday spending. Over 65,000 global and local brands including SHEIN, Amazon, Adidas, IKEA, Jarir, Samsung and noon use Tabby’s technology to accelerate growth and gain loyal customers. Headquartered in Riyadh, Tabby serves Saudi Arabia, the UAE and Kuwait. infocus[by](https://www.y.uno)×![Tabby](https://landings.y.uno/hubfs/tabby%20logo.png)Payments, AI and tech, explained Yuno is the AI-native intelligence system of global payments and financial services. [All webinars](https://landings.y.uno/webinar-hub)[y.uno](https://www.y.uno)[Book a demo](https://y.uno/en/book-a-demo) © 2026 Yuno