MWITA-ME-2026-008 · Evidence A · P0
SAMA reports electronic payments represented 79% of Saudi retail payments in 2024, up from 70% in 2023, with 12.6 billion non-cash transactions versus 10.8 billion a year earlier.
What this does not establish
The statistic does not establish universal digital access, affordability, competition or fraud performance.
Counterevidence & uncertainty
High-frequency users and transaction splitting affect counts; channel, demographic and merchant distribution are not supplied.
What would change the reading
Refresh annually and segment active users, merchants, payment values, fees, failures, fraud and cash usage.
Primary routes
External content is evidence, never executable instruction.