Deema

Deema is a buy-now-pay-later (BNPL) platform operating in Kuwait that lets shoppers split purchases into 2, 3, or 4 monthly installments with no interest or hidden fees, while merchants are paid upfront at checkout. It is licensed by the Central Bank of Kuwait and describes itself as Sharia-certified. New users register with a Kuwaiti Civil ID and a Kuwaiti mobile number. The service integrates into merchant checkout flows (it is documented as a payment method within the Tap Payments gateway) and is offered as consumer apps on iOS and Android as well as a separate merchant app. The company has stated plans to expand beyond Kuwait into Bahrain.