ارتفاع إنفاق المستهلكين إلى 1320 مليار ريال (+7%) في 2023
<p dir="RTL" ><span ><img src="https://argaamplus.s3.amazonaws.com/00a93dac-6e15-4930-820e-a110ea38d81e.png" ></span></p>
<p dir="RTL" ><span class="ckeCaption" >جهاز الدفع الإلكتروني</span></p>
<hr>
<p dir="RTL" ><span >ارتفع إنفاقالمستهلكين بالسعودية إلى 1319.7 مليار ريال خلال عام 2023، وبنسبة 7% مقارنة بنحو 1236.6 مليار ريال خلال عام 2022.</span></p>
<p dir="RTL" ><br>
<span ><span ><span ><span >ويشمل إنفاق المستهلكين في السعودية مجموع السحوبات النقدية ومبيعات نقاط البيع ومبيعات التجارة الإلكترونية عبر مدى،<strong>والجدول التالي يوضح تطور إنفاق المستهلكين في السعودية:</strong></span></span></span></span></p>
<p dir="RTL" ></p>
<table align="center" border="0" cellpadding="0" cellspacing="0" dir="rtl" width="100%">
<tbody>
<tr >
<td colspan="4" >
<p dir="RTL" ><span ><span ><span ><strong><span >تطور إنفاق المستهلكين في السعودية (مليار ريال)</span></strong></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الفترة</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2022</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2023</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >التغير</span></strong></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يناير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >97.60</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >105.19</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 8</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >فبراير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >88.57</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >97.85</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 10</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مارس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >113.81</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >120.62</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 6</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أبريل</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >107.29</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >111.51</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 4</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مايو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >93.23</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >107.43</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 15</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يونيو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >103.58</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >115.41</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 11</span><span dir="LTR"><span >%</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يوليو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >102.97</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >104.63</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 2 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أغسطس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >107.12</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >115.42</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 8 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >سبتمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >103.99</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >106.61</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 3 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أكتوبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >105.34</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >110.01</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 4 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >نوفمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >103.28</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >111.47</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 8 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >ديسمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >109.77</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >113.53</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 3 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الإجمالي</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >1236.55</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >1319.68</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >+ 7 %</span></strong></span></span></span></p>
</td>
</tr>
</tbody>
</table>
<p ></p>
<p dir="RTL" ><span ><span ><span ><img src="https://argaamplus.s3.amazonaws.com/27c329f6-bc68-451e-9e4a-1c63074e231f.png" ></span></span></span></p>
<p dir="RTL" ><a href="https://tools.argaam.com/ar/consumerspending/data" target="_blank"><span ><span ><strong >المصدر: أدوات أرقام</strong></span></span></a></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span >وارتفعت قيمة المبيعات عبر نقاط البيع في السعودية خلال عام 2023بنسبة 10<span dir="LTR">%</span> لتصل إلى نحو 614 مليار ريال مقارنة بعام 2022.</span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span >وحسب البيانات، تمت المبيعات خلال العام الماضي من خلال 8.97 مليار عملية، وعبر1.74 مليونجهاز.</span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span >وتُمثل العمليات عبر نقاط البيع ما ينفقه المستهلكون عبر بطاقات الصراف وبطاقات الائتمان في مراكز التسوق الكبيرة ومحلات التجزئة والصيدليات وغيرها</span><span dir="LTR"><span >.</span></span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><strong><span >فيما يلي تطور المبيعات عبر نقاط البيع</span></strong><strong><span dir="LTR"><span >:</span></span></strong></span></span></span></p>
<p dir="RTL" ></p>
<table align="center" border="0" cellpadding="0" cellspacing="0" dir="rtl" width="100%">
<tbody>
<tr >
<td colspan="4" >
<p dir="RTL" ><span ><span ><span ><strong><span >تطور المبيعات عبر عمليات نقاط البيع</span></strong><em><span >(مليار ريال)</span></em></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الفترة</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2022</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2023</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >التغير</span></strong></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يناير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >43.56</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >48.33</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 11 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >فبراير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >38.88</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >44.80</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 15 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مارس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >51.00</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >55.41</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 9 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أبريل</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >49.44</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >51.57</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 4 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مايو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >42.38</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >49.80</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 18 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يونيو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.97</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >51.85</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 13 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يوليو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.75</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >49.35</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 8 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أغسطس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >49.67</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >54.64</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 10 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >سبتمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.45</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >50.50</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 6 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أكتوبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.66</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >51.10</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 7 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >نوفمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >46.87</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >52.37</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 12 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >ديسمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >50.51</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >54.23</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 7 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الإجمالي</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >559.13</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >613.96</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >+ 10 %</span></strong></span></span></span></p>
</td>
</tr>
</tbody>
</table>
<p ></p>
<p dir="RTL" ><span ><span ><span ><span ><img src="https://argaamplus.s3.amazonaws.com/c2889c1a-36ef-4f8c-b1e3-e523a41e1bd7.png" ></span></span></span></span></p>
<p dir="RTL" ><a href="https://tools.argaam.com/ar/consumerspending/data" target="_blank"><span ><span ><strong >المصدر: أدوات أرقام</strong></span></span></a></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span >وسجلت السحوبات النقدية من أجهزة الصرف الآلي خلال عام 2023 انخفاضا بنحو 1% لتصل إلى نحو 548.8 مليار ريال، مقارنة بسحوبات عام 2022.</span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span >وتمت هذه السحوبات النقدية من خلال 16 ألف جهاز صرف آلي للمصارف العاملة والشبكة السعودية، وعبر 1.52 مليار عملية</span><span dir="LTR"><span >.</span></span></span></span></span></p>
<p dir="RTL" ></p>
<table align="center" border="0" cellpadding="0" cellspacing="0" dir="rtl" width="100%">
<tbody>
<tr >
<td colspan="4" >
<p dir="RTL" ><span ><span ><span ><strong><span >تطور السحوبات النقدية من أجهزة الصرف الآلي</span></strong><em><span >(مليار ريال)</span></em></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الفترة</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2022</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2023</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >التغير</span></strong></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يناير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.82</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.15</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(1%)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >فبراير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >41.67</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >41.74</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 0.2 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مارس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >52.83</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >51.70</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(2%)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أبريل</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.58</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.32</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(1%)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مايو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >41.73</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >44.93</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 8 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يونيو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.21</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >50.17</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 6 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يوليو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >46.99</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >42.38</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(10 %)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أغسطس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >46.17</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >46.40</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 0.5 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >سبتمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.38</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >42.26</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(7 %)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أكتوبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >46.78</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.49</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(3 %)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >نوفمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.19</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.62</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 1 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >ديسمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >47.40</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >45.67</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >(4 %)</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الإجمالي</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >554.74</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >548.81</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >(1 %)</span></strong></span></span></span></p>
</td>
</tr>
</tbody>
</table>
<p ></p>
<p dir="RTL" ><span ><span ><span ><span ><img src="https://argaamplus.s3.amazonaws.com/7fb07e60-c305-4874-91f6-867aa814bafb.png" ></span></span></span></span></p>
<p dir="RTL" ><a href="https://tools.argaam.com/ar/consumerspending/data" target="_blank"><span ><span ><strong >المصدر: أدوات أرقام</strong></span></span></a></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span >وارتفعت مبيعات التجارة الإلكترونية عبر بطاقات مدى، إلى 156.9 مليار ريال خلال عام 2023، وبنسبة 28% مقارنة بعام 2022.</span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span ><span >وحسبما أظهرت بيانات البنك المركزي السعودي <strong>ساما</strong> الشهرية، تمت هذه المبيعات من خلال 873.7 مليون عملية.</span></span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><span ><span >وتتضمن مبيعات التجارة الإلكترونية عمليات بطاقات مدى المستخدمة في الدفع والشراء من خلال مواقع التسوق والتطبيقات الإلكترونية،ولا تشمل العمليات التي تتم عبر بطاقات فيزا وماستركارد وغيرها من البطاقات الائتمانية.</span></span></span></span></span></p>
<p dir="RTL" ></p>
<p dir="RTL" ><span ><span ><span ><strong><span >وفيما يلي قيمة مبيعات التجارة الإلكترونية عبر بطاقات مدى:</span></strong></span></span></span></p>
<p dir="RTL" ></p>
<table align="center" border="0" cellpadding="0" cellspacing="0" dir="rtl" width="100%">
<tbody>
<tr >
<td colspan="4" >
<p dir="RTL" ><span ><span ><span ><strong><span >تطور مبيعات التجارة الإلكترونية عبر بطاقات مدى</span></strong><em><span >(مليار ريال)</span></em></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الفترة</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2022</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >2023</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >التغير</span></strong></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يناير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >8.23</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.71</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 42 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >فبراير</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >8.02</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.32</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 41 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مارس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >9.98</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.50</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 35 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أبريل</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >10.26</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >12.63</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 23 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >مايو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span dir="LTR"><span >9.12</span></span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >12.71</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 39 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يونيو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >10.40</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.39</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 29 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >يوليو</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >10.23</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >12.90</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 26 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أغسطس</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.28</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >14.38</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 27 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >سبتمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.16</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.85</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >+ 24 %</span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >أكتوبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >10.90</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.42</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 23 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >نوفمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.22</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.48</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 20 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >ديسمبر</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >11.86</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span >13.63</span></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><span ><span >+ 15 %</span></span></span></span></span></p>
</td>
</tr>
<tr >
<td >
<p dir="RTL" ><span ><span ><span ><strong><span >الإجمالي</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >122.67</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span >156.91</span></strong></span></span></span></p>
</td>
<td >
<p align="center" dir="RTL" ><span ><span ><span ><strong><span ><span >+ 28 %</span></span></strong></span></span></span></p>
</td>
</tr>
</tbody>
</table>
<p ></p>
<p dir="RTL" ><span ><span ><span ><img src="https://argaamplus.s3.amazonaws.com/43a33651-c8f1-4fe8-ae56-2a61403f8e4d.png" ></span></span></span></p>
<p dir="RTL" ><a href="https://tools.argaam.com/ar/consumerspending/data" target="_blank"><span ><span ><strong >المصدر: أدوات أرقام</strong></span></span></a></p>
<p dir="RTL" ></p>
المصدر...
