基于语音的支付市场基于(关键地区、市场参与者、规模和份额)- 到 2030 年的预测

Publication Month : Nov 2023

  • Report Code : TIPRE00032625
  • Category : Technology, Media and Telecommunications
  • Status : Data Released
  • No. of Pages : 150
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【研究报告】2022年语音支付市场规模为64.7亿美元,预计到2030年将达到143.7亿美元;预计 2022 年至 2030 年复合年增长率为 10.5%。
基于语音的支付市场分析师观点:
近年来,在众多语音商务解决方案的推动下,基于语音的支付市场出现了显着增长。支付服务提供商。因此,该行业正在不断扩大,越来越多的客户对语音支付替代方案开始感兴趣。
基于语音的支付市场概述:
基于语音的支付是指使用语音命令或指令进行金融交易的方法,通常通过支持语音的设备或数字助理。该技术允许用户通过语音而不是传统的手动输入(例如打字或点击)来进行支付、发起转账或执行其他货币交易。此外,基于语音的支付可以集成到各种平台中,包括移动应用程序、虚拟助理或智能设备,使企业能够为其客户提供广泛的支付选项。该技术通常采用强大的安全措施,例如身份验证协议和加密,以确保敏感财务信息的隐私和保护。在一个追求便利和效率的世界中,对非接触式支付的需求猛增。
随着数字支付方式的采用持续激增,一个新的参与者已经出现,彻底改变了消费者进行语音支付的方式。在过去几年中,非接触式支付的受欢迎程度显着上升。随着近场通信 (NFC) 技术的出现,消费者现在只需在支付终端上轻触智能手机或非接触式卡即可进行安全支付。这项技术不仅加快了交易时间,还减少了身体接触的需要,提高了便利性和卫生水平,特别是在全球大流行之后。
通过采用基于语音的支付解决方案,企业可以满足对无摩擦、直观的支付体验的需求不断增长,从而提高客户满意度并可能提高转化率。此外,该技术可以简化内部支付流程,为企业提供更高效、更自动化的方式来处理金融交易。
基于语音的支付市场驱动力:
语音识别技术的进步推动基于语音的支付市场
自古以来,语音一直是人类交流的基本媒介。自动语音识别 (ASR)、机器学习 (ML) 和自然语言理解 (NLU) 的进步导致语音技术能力显着增强,从而产生了全球对语音支付的需求。这些进步,再加上大量数据和经过更好调整的人工智能算法,使得语音技术成为主流。
此外,近年来,基于语音的支付因其相对于传统支付的优势而得到越来越多的采用模型。基于语音的支付具有以下优势:
便利更快的交易免提操作更方便的个性化自动化提高客户参与度基于语音的支付的主要目标是简化和简化金融交易。传统的银行系统可能既困难又耗时,需要通过多个阶段的验证。基于语音的支付系统致力于通过使交易过程更加用户友好和高效来解决这些问题。随着人工智能和自然语言处理的进步不断提高语音助手的准确性和效率,基于语音的支付的未来似乎充满希望。与电子商务网站、移动应用程序和店内支付终端等各种平台的集成将进一步推动语音支付的采用。随着智能音箱、智能手机和其他语音设备在家庭中的使用越来越多,越来越多的消费者可以使用语音助手,并轻松地使用它们执行各种任务,包括支付。这种广泛的采用为将基于语音的支付功能集成到这些设备中铺平了道路,进一步推动了市场的增长。然而,必须解决语言障碍、语音识别准确性和用户信任等挑战,以确保广泛接受和无缝的用户体验。
战略见解
基于语音的支付市场细分和范围:
语音-基于支付的市场根据组成部分、企业规模、行业和地理位置进行分类。根据组件,语音支付市场分为硬件和软件。根据企业规模,市场分为大型企业和中小企业。根据行业,市场分为 BFSI、汽车、医疗保健、零售、政府等。该市场根据地理位置分为北美、欧洲、亚太地区、中东和非洲以及南美洲。
基于语音的支付市场细分分析:
根据企业规模,市场是分为大型企业和中小企业。预计到2022年,大型企业将在语音支付市场中占据主导地位,占据更大份额。大型企业优先考虑简化流程,选择更快、更方便的语音支付,从而减少交易摩擦。此外,集成到语音支付中的先进安全措施(例如生物识别验证和语音识别)吸引了寻求强大身份验证方法的大型企业。
基于语音的支付市场区域分析:
北美拥有全球最大的基于语音的支付市场之一支付市场份额。该地区各行业的高科技采用趋势推动了语音支付市场的增长。政府机构越来越多地采用数字工具和高科技支出是预计推动北美语音支付市场增长的几个因素。此外,美国和加拿大等发达经济体对研发的高度重视,迫使北美企业将技术先进的解决方案引入市场。此外,该地区拥有由创新科技公司、金融机构和支付解决方案提供商组成的强大生态系统。这些实体一直处于开发和部署人工智能 (AI) 和自然语言处理 (NLP) 等语音技术的前沿,以促进基于语音的无缝交易。北美在市场上占据主导地位的另一个因素是行业参与者之间的合作。金融机构、技术公司和支付服务提供商联手开发强大的语音支付解决方案,以满足消费者对安全、便利和可靠的需求。例如,2021 年 9 月,谷歌推出了语音汽油支付功能,并宣布与本田建立合作伙伴关系,作为一系列升级的一部分。 Google Assistant 现在允许司机使用语音命令在美国 32,500 多个加油站使用 Google Pay 进行购物,其中包括 Conoco、76、Phillips 66、Exxon 和 Mobil。该公司还暗示未来将扩展此功能以包括更多车站和特许经营名称。这些合作导致基于语音的支付功能集成到从智能手机到智能扬声器的各种设备和平台中,进一步推动了市场增长。所有这些因素都促进了该地区基于语音的支付市场的增长。
基于语音的支付市场主要参与者分析:
基于语音的支付市场分析包括 NCR Corporation、Amazon.com 等参与者。谷歌有限责任公司;贝宝;维贝支付; NPCI 公司; PCI 帕尔;和 Paysafe, Inc. 是报告中介绍的主要语音支付市场参与者之一。
语音支付市场最新发展:
并购等无机和有机策略被各公司高度采用。市场。下面列出了近期基于语音的支付市场的一些关键发展:
2023 年 9 月,全球领先的安全支付解决方案提供商 PCI Pal 推出了适用于其 PCI 套件的自动语音识别 (ASR) 技术的最新进展- 合规的支付解决方案。这包括增强其备受推崇的产品,例如 PCI Pal Agent Assist 和 IVR Payments。这些下一代 ASR 改进的发布突显了 PCI Pal 致力于提供确保安全、合规支付处理的尖端解决方案的承诺。2023 年 9 月,印度国家支付公司 (NPCI) 推出了多项新的支付功能,以增强数字包容性。这些产品包括 UPI 信用额度、用于离线支付的 UPI Lite X、通过近场通信 (NFC) 实现的 Tap & Pay 功能,以及通过 Hello! 进行对话式支付。 UPI 和通过 BillPay Connect 进行对话式账单支付。2022 年 9 月,ToneTag 在功能手机上推出了本地语言的 VoiceSe UPI 支付。该服务允许用户使用印地语、泰米尔语、泰卢固语、马拉雅拉姆语、卡纳达语和孟加拉语等语言进行基于语音的数字支付。该公司计划在不久的将来将这种基于语音的支付系统的可用性扩展到古吉拉特语、马拉地语和旁遮普语等其他语言。 2021 年 9 月,社交支付发起服务 VibePay 最近推出了其语音激活账户 -欧洲的账户付款功能。这项新功能使 iOS 上的 VibePay 用户可以方便地使用语音(特别是通过 Siri)进行付款或请求付款。付款立即执行,不收取任何费用,从而实现从一个英国银行账户到另一个英国银行账户的无缝交易。通过集成语音激活和消除交易费用,VibePay 旨在增强用户体验并简化客户的支付流程。2021 年 9 月,谷歌推出了语音汽油支付功能,并宣布与本田建立合作伙伴关系,作为一系列升级的一部分。 Google Assistant 使驾驶员能够使用语音命令在美国 32,500 多个加油站使用 Google Pay 进行购物,其中包括 Conoco、76、Phillips 66、Exxon 和 Mobil。
Report Coverage
Report Coverage

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

Segment Covered
Segment Covered

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to segments covered.

Regional Scope
Regional Scope

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

Country Scope
Country Scope

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Frequently Asked Questions


Which is the leading component segment in the voice-based payments market?

The software segment led the voice-based payments market with a significant share in 2022.

What are the driving factors impacting the voice-based payments market?

Increasing demand for contactless payments and advancements in speech recognition technology are driving factors in the voice-based payments market.

What are the future trends of the voice-based payments market?

The Internet of Things (IoT) devices like speakers and voice assistants are expected to drive the growth of the voice-based payments market in the coming years.

What will be the voice-based payments market size by 2030?

The voice-based payments market is expected to reach US$ 14.37 Billion by 2030.

What is the estimated global market size for the voice-based payments market in 2022?

The voice-based payments market was estimated to be valued at US$ 6.47 billion in 2022 and is projected to reach US$ 14.37 billion by 2030; it is anticipated to grow at a CAGR of 10.5% over the forecast period.

Which is the fastest-growing region in the voice-based payments market?

Asia Pacific is anticipated to grow at the fastest CAGR over the forecast period.

Which key players hold the major market share of the voice-based payments market?

The key players holding majority shares in the voice-based payments market include NCR Corporation, Amazon.com, Inc., Google LLC., NPCI Corporation, and PayPal.

The List of Companies - Voice-Based Payments Market

  • NCR Corporation
  • Amazon.com
  • Google LLC.
  • PayPal
  • Vibepay
  • NPCI Corporation
  • PCI Pal
  • Paysafe, Inc.

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.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

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  • Validates and strengthens in-house secondary research findings
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Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

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.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

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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.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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