The capacity to pay regular bills and mandatory expenses is the most basic indicator of credit risk in a country. According to ASK's 2024 survey данные, the payment capacity of Косово consumers generally tends to improve. While 24.6% of households make their payments "easily", 36.1%, which constitutes the main body of the рынок, can carry out these transactions "With some difficulty"
. However, what is most striking is that the share of the heavy risk group, which has "great difficulty" in its payments, in the total рынок remains at a very low level of 5.4%.
.
Improvement in Consumer Finances from 2018 to 2024
When we look at 2018 to understand the change in consumer behavior, we encounter a much more fragile picture. While the rate of those making their payments "with great difficulty" was at 17.4% in 2018, this rate decreased to 5.4% in the 6-year period, proving that the cash flow in household economies has become more stable.
. The fact that the rate of those who can make payments "easily" increased from 10% to 24.6% in the same period increases the attractiveness of the Косово рынок for companies selling B2C (business to consumer).
.
"Buy Now Pay Later" (BNPL) and Installment Systems
The large audience, which makes up 36.1% of the рынок and makes payments with "some difficulty", represents the middle class who do not give up on shopping but need time to manage their cash flow
. E-commerce platforms and retail chains expanding their credit card installment infrastructures or directly integrating fintech solutions such as "Buy Now Pay Later" (BNPL) into their payment systems will accelerate the purchasing decision of this audience and increase their basket average.
The significant decrease in those experiencing "great difficulty" in their payments (5.4%) shows that the risk of bad debt has decreased for telecommunications, subscription-based services (SaaS) and construction/furniture companies selling promissory notes. The Косово рынок is on a very reliable basis for subscription and installment sales models with accurate credit score анализ.