基于(关键地区、市场参与者、规模和份额)的数字支付市场 - 到 2031 年的预测

  • Report Code : TIPRE00007577
  • Category : Banking, Financial Services, and Insurance
  • Status : Published
  • No. of Pages : 225
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数字支付市场预计将从2021年的890.4567亿美元增长到2028年的2434.2671亿美元;预计 2021 年至 2028 年复合年增长率为 15.4%。

由于智能手机的日益普及促进了移动商务的扩张,全球数字支付市场预计在预测期内将增长。人们访问互联网的方式直接影响移动商务的增长。与个人电脑相比,用户更喜欢使用智能手机上网,因为智能手机价格更实惠,而且高速互联网在许多国家不再是优质基础设施。零售商开发具有易于浏览的目录和简单的结账体验的购物应用程序。银行家和支付服务提供商并没有忽视客户与手机有着内在联系的事实。银行提供银行应用程序,允许在移动设备屏幕上完成交易。移动商务还改变了实体企业的工作方式,特别是在接受无现金支付方面。此外,实体商务和数字商务之间的差异正在消失,渠道日益融合。由于新冠肺炎 (COVID-19) 大流行期间大力强调非接触式支付,店内购买体验已明显转向线上购买体验。此外,在大流行之前,非接触式支付已经在一些地区成熟。非接触式支付和/或生物识别在在线购买体验中很普遍。非接触式卡是最流行的非接触式支付方式。另一方面,由于易于使用以及原始设备制造商 (OEM) 支付解决方案作为零售支付方式的日益普及,移动支付越来越受欢迎。在一些国家,零售商和政府主动要求客户增加非接触式支付,并鼓励零售商实现这一目标。许多银行提高了非接触式支付限额,以减少销售点对触摸板或现金的需求。所有这些因素推动了数字支付市场的增长。

战略见解

COVID-19 大流行对数字支付市场的影响
COVID-19 大流行使数字支付市场受益。由于疫情和远程工作环境的发展,企业面临着新的挑战。根据世界银行针对新冠疫情政策应对措施的调查,至少有 58 个发展中国家的政府已采用数字支付来为 COVID-19 提供帮助。至少 36 个国家在功能齐全的账户中收到了资金,这些资金除了提取现金外,还可以用于储蓄或交易。普惠金融需要如此广泛的能力。此外,2020年疫情的出现给全球市场运营带来了一系列挑战。由于 COVID-19 病例数量不断增加,发达经济体的医疗基础设施已经崩溃。因此,公共卫生紧急事件将需要政府和市场参与者进行干预,并通过研发计划的协作努力来协助恢复市场运营和收入,以弥补预测期内的损失。此外,投资的增加对未来几年的数字支付市场来说是个好兆头。

数字支付市场的利润丰厚的区域

数字支付市场见解

越来越多地采用开放式银行 API
金融服务公司正在认识到开放式银行计划和应用程序编程接口的重要性。传统银行明白,他们必须提高数字能力才能在该行业竞争,并避免被拥有优质产品和服务的新进入者所取代。例如,PayPal、富国银行和 Visa 等众多金融服务公司正在支持开放银行项目。此外,在欧洲,开放银行计划正逐渐成为常态,因为根据 2018 年生效的修订支付服务指令 (PSD2),法律要求银行通过 API 访问账户信息。开放银行 API 提高了银行的吸引力,使其能够满足现有客户不断变化的期望并吸引新客户。 API 还可以用作一种独一无二的解决方案,以促进客户互动并以安全、敏捷和面向未来的方式响应消费者的需求。开放银行 API 是金融服务组织的重要资产,因为它们使它们能够扩展服务范围、促进客户互动并创建新的数字收入渠道,这将为数字支付市场在预测期内的扩张提供重要机会

部署细分洞察
根据部署,数字支付市场分为本地和基于云的市场。基于云的细分市场在 2020 年引领市场。基于云的部署提供内置数据安全性、按需可扩展性以及快速执行密集计算活动的能力。云是数字钱包的重要推动者。随着数字钱包的流行,这些好处可能会极大地改善现有功能,甚至带来新的创新。使用远程虚拟存储消除了对物理服务器的需求,从而降低了中断和灾难的风险。云还提供强大的网络安全保护,并且可以满足关键的监管标准,例如支付卡行业数据安全标准 (PCI DSS),该标准在金融服务行业尤其重要。

数字支付市场,按部署情况(% 份额)

组织规模细分洞察

根据组织规模,数字支付市场分为大型企业和中小企业。大型企业细分市场在 2020 年引领市场,预计在预测期内将主导市场。即使在支付系统方面,技术的采用对于减少裁员也至关重要。然而,对于大型组织来说,一刀切的解决方案是行不通的。央行数字货币(CBDC)的出现以及加密货币在传统支付系统上的广泛采用将迫使许多大型企业在未来几年将数字货币纳入其应用程序。这些公司将主要利用数字货币进行支付、作为价值储存手段,并利用去中心化金融(DeFi)应用程序中提供的高收益投资。例如,PayG 为各大企业提供量身定制的支付解决方案,并协助他们改进收款方式。它允许大型企业跟踪其现金流入和流出,并使其能够在需要时进行扩展,而无需引入任何流程,这正在推动数字支付市场的增长

 

组件类型细分洞察
根据应用,数字支付市场分为解决方案和服务。解决方案领域在2020年引领市场。银行、处理商、电信运营商和商家可以使用数字支付系统顺利进行数字支付,并符合国际支付标准。该解决方案包括一个控制数字卡生命周期的平台。它监督整个注册过程以及凭证的配置和安全管理。发行人和服务提供商可以使用该平台在自己的钱包或第三方钱包中提供服务,这推动了市场的增长。全球数字支付市场的解决方案细分为支付网关、支付处理、支付安全和欺诈管理等。

数字支付市场参与者专注于新产品的创新和开发通过整合先进技术和功能来竞争。例如,2021 年 1 月,Okay 和全球支付技术公司 FSS Technologies(金融软件和系统)宣布结盟,为消费者支付提供重点身份验证安全,特别是移动设备上的交易验证和身份验证。凭借其下一代产品、技术和解决方案,FSS 已经在欧洲扩大其商业潜力。 2020 年 5 月,Fiserv, Inc. 收购了 Inlet, LLC (“Inlet”),该公司是一家为企业和中间市场账单机构提供发票和报表安全数字交付解决方案的供应商。支付部门包括 Inlet,它推进了公司的数字账单支付战略。

数字支付市场 –公司简介

  • ACI WORLDWIDE, INC
  • Adyen
  • 金融软件和公司系统列兵。有限公司
  • Fiserv, Inc.
  • Global Payments Inc.
  • Novatti Group Ltd
  • PayPal Holdings, Inc.
  • Paysafe Limited
  • Block, Inc.
  • PayU
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


Which region has the largest market share in the digital payment market?

North America held the largest market share in year 2020, along with the notable revenue generation opportunities in Europe and APAC.

What is the future trend for digital payment market?

The rising demand of the diverse demands of customers, retailers, banks, telecom providers, and gadget suppliers is the primary reason for emerging digital payment model's success. It enables them to go to various locations, such as concerts, trade exhibits, and food trucks, where they may receive money from clients. This is accomplished by properly implementing mPOS in the industry. Retailers may use mPOS and associated software systems to improve and enhance consumer interaction, resulting in higher conversion rates and sales. Mobile point-of-sale (mPOS) refers to specific integrated devices that may operate as electronic point-of-sale terminals, such as smartphones and tablets. Mobile POS deployments allow brick-and-mortar retailers to use pricing, product information, and inventory data, enabling for omnichannel engagement, which, in turn, is likely to gain momentum for the digital payment market during the forecasted period.

Who are the major vendors in the digital payment market?

Key companies in the digital payment market include ACI Worldwide, Inc; Adyen; Financial Software & Systems Pvt. Ltd.; Fiserv, Inc.; Global Payments Inc.; Novatti Group Ltd; and Paypal Holdings, Inc.

Which organization type-based segment has the largest market share in 2020?

The global digital payment market is bifurcated on basis of organization type as small and medium enterprises (SMEs), and large enterprises. The global digital market is dominated by large enterprises segment in 2020, which accounted for ~ 68.4%.

What are the market opportunities for digital payment market?

Financial services companies are recognizing the importance of open banking initiatives and application programming interfaces. Traditional banks understand that they must improve their digital capabilities to compete in the sector and avoid being disintermediated by new entrants with superior offers and services. For instance, numerous financial services companies such as PayPal, Wells Fargo, and Visa are supporting Open Banking projects. Also, in Europe, Open Banking initiatives are progressively becoming the norm because banks are legally required to make account information accessible via APIs under the Revised Payment Services Directive (PSD2), effective from 2018.
Open Banking APIs boost a bank's attractiveness and enable it to meet the changing expectations of existing clients and attract new ones. The APIs may also be used as a one-of-a-kind solution to boost customer interaction and respond to consumer requirements in a safe, agile, and future-proof way. Open Banking APIs are significant assets for financial services organizations because they allow them to expand service offerings, boost client interaction, and create new digital income channels, which would offer a significant opportunity for the digital payment market to expand during the forecasted period.

What are the driving factors responsible for the growth of digital payment market?

Increasing Prevalence of Smartphones Enabling Expansion of mCommerce
Rising Adoption of Contactless Payments

The List of companies - Digital Payment Market

  1. ACI WORLDWIDE, INC
  2. ADYEN                 
  3. FINANCIAL SOFTWARE & SYSTEMS PVT. LTD.          
  4. FISERV, INC.                  
  5. GLOBAL PAYMENTS INC.     
  6. NOVATTI GROUP LTD
  7. PAYPAL HOLDINGS, INC.               
  8. PAYSAFE LIMITED           
  9. BLOCK, INC.
  10. PAYU

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

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Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

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  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

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  1. Data Triangulation and Final Review:

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