The Ukrainian installment market will continue to show growth in the second half of 2026. Banking sector experts predict that Ukrainians will increasingly use the installment payment tool, despite the complex economic and geopolitical situation. The dynamics of demand will be influenced by exchange rates, inflation, seasonality, and the security situation.
Key Growth Drivers
Vladimir Solodky, Director of the Digital Business Department and Board Member of Globus Bank, stated that the main factor driving market development will remain the expansion of partnership programs between banks and retail chains. It is these alliances that allow for offering clients favorable terms and expanding the range of goods available on installment.
At the same time, consumer behavior will be influenced by macroeconomic indicators. According to Solodky, exchange rates and inflation may stimulate Ukrainians to fix the cost of goods through installments to avoid price increases in the future.
Security and Energy Independence
The security situation and the state of the energy system remain key factors determining demand. If new risks for the energy sector emerge, Ukrainians may actively purchase generators, charging stations, and other goods for autonomous power supply. This has already become a noticeable trend that will intensify throughout the year.
Seasonality also plays an important role. For example, during the summer period, demand for climate equipment—air conditioners, fans, and heaters—increases. Banks adapt their offers to these fluctuations by providing special terms for certain categories of goods.
Credit Discipline and Portfolio Quality
At Globus Bank, it is noted that Ukrainians have become more responsible regarding credit discipline. Payment arrears remain within the predicted norm, and no critical deterioration in the quality of the credit portfolio has been observed so far. This indicates that the installment market has already adapted to external challenges and continues to function stably.
“The installment market has already adapted to external challenges. In the second half of the year, the key factors will be bank flexibility, the development of partnership programs, and the ability to quickly respond to changes in demand,” emphasized Vladimir Solodky.
What Awaits the Market Next?
Experts predict that in the coming months, banks will continue to develop digital solutions, simplify the installment application process, and expand their partnership networks. This will make the tool even more accessible to a wide range of consumers.
Thus, the installment market in Ukraine in the second half of 2026 will grow under the influence of several factors: from macroeconomic indicators to the security and energy supply situation. Banks capable of flexibly responding to changes will gain an advantage in the competitive struggle for the customer.
