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1336668

全球数字支付市场 - 2023-2030

Global Digital Payment Market - 2023-2030

出版日期: 2023年08月22日 | 出版商:

DataM Intelligence | 英文 181 Pages | 商品交期: 约2个工作天内

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简介目录

市场概况

全球数字支付市场在2022年达到862亿美元，预计到2030年将达到2749亿美元，2023-2030年预测期间年复合成长率为15.6%。

数字支付方式提供了多种支付方式，与传统支付方式相比，这些方式易于使用。消费者可以随时随地进行交易，无需携带现金或银行卡。这消除了携带现金、排队等候或手动输入卡详细信息的麻烦，这些都是主要的市场驱动因素。

亚太地区拥有世界上不断增长的电子商务市场，其中包括中国和印度。该地区数字购物平台的兴起增加了对数字支付解决方案的需求，因为该地区的消费者正在寻找方便且安全的在线购物方式，这增加了对数字支付解决方案的需求。印度、日本、中国和韩国等国家是该地区的主要收入贡献者，覆盖地区超过66.4%。

该地区的公司也在投资提升技术。例如，2023 年 5 月 3 日，全球数字支付公司 FIS 旗下的 Worldpay 计划增强其在印度的跨境支付解决方案，以支持印度商家向全球扩张。

FIS 亚太区业务 Worldpay 商务副总裁 Yvonne Szeto 表示，该公司有兴趣与在国际上销售商品和服务的国内商家合作。 Worldpay 旨在利用其在多个地区的影响力，帮助这些企业克服挑战并扩大其在全球市场的影响力。

市场动态

全球推广数字支付的倡议

中国政府在开发中央银行数字货币（即 DCEP 或数字人民币）方面采取了重大步骤。例如，2021 年 3 月 5 日，政府采取了一项倡议，旨在通过提供安全、便捷的数字支付系统来彻底改变支付格局。为了增强金融包容性，数字人民币旨在为服务不足的人群提供金融服务并促进经济参与。

此外，菲律宾作为优于现金联盟的创始成员，积极致力于加速数字经济增长，促进普惠性数字支付。例如，2023 年 7 月 17 日，政府和菲律宾中央银行 (BSP) 在这一旅程中表现出了卓越的领导力，菲律宾的支付数字化之旅见证了数字交易的广泛采用。

电商平台助推数字支付增长

移动支付解决方案使客户能够直接通过移动设备购物。互联网接入的日益普及也促进了数字支付的增长。各种数字钱包，例如电话支付、谷歌支付和 Paytm，用户可以在其中存储一些钱并收到现金返还优惠。这些钱包提供了一种便捷的方式来存储支付信息并在不同的在线平台上进行交易。

Snapdeal 与印度国家支付公司 (NPCI) 合作，在交付订单时为客户推出基于二维码的数字支付。例如，2020 年 12 月 18 日，Snapdeal 为那些喜欢在交货时付款而不是预付款的客户采取了这一倡议。送货主管将为订单金额生成一个与 UPI 链接的二维码，客户可以使用手机上任何与 UPI 链接的支付应用程序扫描该二维码。 Snapdeal 和 NPCI 之间的合作结合了双方的优势，瞄准共同受众并推广无忧数字支付。

用户可达性和供电不足

数字支付要求用户能够访问并熟悉数字设备，例如智能手机或电脑，以及必要的软件应用程序或支付平台。对于缺乏所需技术素养或无法使用这些设备的个人来说，这可能是一个障碍。

数字支付系统依赖稳定的电源才能有效运行。在电力基础设施不可靠或经常停电的地区，在此期间进行数字交易可能会变得具有挑战性或不可能。由于这些因素，数字支付市场的需求下降。

COVID-19 影响分析

此次疫情提高了消费者对安全可靠支付方式重要性的认识。消费者越来越多地采用数字支付解决方案，因为他们首先优先考虑数据安全、欺诈预防和防止未经授权的交易。这些因素增加了数字支付市场的需求。

二维码支付在疫情期间受到欢迎，因为它们可以通过智能手机扫描二维码实现非接触式交易。二维码已被包括小商户在内的企业广泛采用，因为它们提供了一种经济高效且简单的支付解决方案。 COVID-19 大流行加速了数字支付系统的发展。

人工智能的影响

人工智能驱动的聊天机器人和虚拟助理在数字支付平台的客户支持中越来越受欢迎。这些对话代理处理客户查询，提供交易帮助并提供实时支持，以提高客户参与度并减少响应时间。

人工智能主要应用于数字支付，提高效率，为用户提供更好的服务。例如，2023 年 2 月 7 日，在印度，数字印度计划促成了 India Stack 的开发，这是一组支持数字交易和服务的开放 API。 Aadhaar 层提供基于生物识别的数字身份，UPI 接口彻底改变了数字支付，这使得印度的数字支付网络成为全球最大的网络之一。

俄罗斯-乌克兰战争影响

这些地区之间的地缘政治紧张局势导致实施经济制裁。这些制裁可能会影响国际支付网络和金融服务的可用性，从而影响跨境交易和金融关係。衝突造成的不确定性会造成支付方式的不稳定。

政府的政治和军事紧张局势影响了消费者对数字支付系统的信心和信任。对数据安全、隐私和财务稳定性的担忧可能会影响消费者行为和数字支付方式的采用。消费者行为的转变减缓了数字支付市场的增长。

Market Overview

Global Digital Payments Market reached US$ 86.2 billion in 2022 and is expected to reach US$ 274.9 billion by 2030, growing with a CAGR of 15.6% during the forecast period 2023-2030.

Digital payment methods offer a wide variety of payment modes, when compared to traditional payment methods, these methods are easy to use. Consumers can make transactions anytime, anywhere, without the need for physical cash or cards. This eliminates the hassle of carrying cash, waiting in lines, or manually entering card details which act as a major market driver.

Asia-Pacific has the growing e-commerce markets in the world, that include China and India. The rise of digital shopping platforms in this region increased the demand for digital payment solutions, as consumers in this region are looking for convenient and safer ways to make online purchases which have boosted the demand for digital payment solutions. Countries like India, Japan, China, and South Korea are the major revenue contributor in the region covering more than 66.4% regionally.

Companies in the region are also investing in boosting technology. For instance, On 3 May 2023, Worldpay from FIS, a global digital payments company plans to enhance its cross-border payment solutions in India to support Indian merchants in expanding globally.

Yvonne Szeto, Vice President of Commercial for Worldpay from FIS's Asia-Pacific business expresses the company's interest in collaborating with domestic merchants who sell goods and services internationally. Leveraging its presence in multiple geographies, Worldpay aims to assist these businesses in overcoming challenges and expanding their reach in global markets.

Market Dynamics

Worldwide Initiatives for the Promotion of Digital Payments

China's Government has taken significant steps in the development of its central bank digital currency, known as DCEP or digital yuan. For instance, on, 5 Mar 2021, an Initiative taken by the government aimed to revolutionize the payment landscape by offering a secure and convenient digital payment system. To enhance financial inclusion, the digital yuan aims to provide access to financial services for underserved populations and promote economic participation.

Furthermore, the Philippines, as a founding member of the Better Than Cash Alliance, has actively working towards accelerating the growth of the digital economy and promoting inclusive digital payments. For instance, On 17 July 2023, The government and the Bangko Sentral ng Pilipinas (BSP) have shown exceptional leadership in this journey, Philippines' journey towards digitalization of payments has witnessed widespread adoption of digital transactions.

E-commerce Platform Boost the Growth of Digital Payment

Mobile payment solutions enable customers to shop directly from mobile devices. Increasing availability of internet access also boost the growth of digital payment. Various digital wallets such as phone pay, google pay, and Paytm in which users can store some money and as they receive cashback offers. These wallets offer a convenient way to store payment information and make transactions available on different online platforms.

Snapdeal, in partnership with the National Payments Corporation of India (NPCI), introduces QR-based digital payments for customers at the time of delivering orders. For instance, On 18 Dec 2020, This initiative was taken by Snapdeal for those customers who prefer to pay for their purchases upon delivery rather than pre-paying. Delivery executives will generate a UPI-linked QR code for the order amount, which customers can scan using any UPI-linked payment app on their phones. This collaboration between Snapdeal and NPCI aligns their strengths to target a common audience and promote hassle-free digital payments.

User Accessibility and Insufficient Power Supply

Digital payments require users to have access to and familiarity with digital devices, such as smartphones or computers, and the necessary software applications or payment platforms. This can be a barrier for individuals who lack the required technological literacy or access to these devices.

Digital payment systems rely on a stable power supply to function effectively. In regions with unreliable electricity infrastructure or frequent power outages, conducting digital transactions can become challenging or impossible during such times. Due to these factors, there is a decrease in demand for the digital payment market.

COVID-19 Impact Analysis

The pandemic has heightened consumer awareness of the importance of secure and trustworthy payment methods. Consumers increasingly adopting digital payment solutions as they first prioritize data security, fraud prevention, and protection against unauthorized transactions. These factors increase the demand in the digital payment market.

QR code payments have gained popularity during the pandemic, as they enable contactless transactions through scanning codes with smartphones. QR codes have been widely adopted by businesses, including small merchants, as they offer a cost-effective and simple payment solution. The COVID-19 pandemic accelerated the growth of digital payment systems.

AI Impact

AI-powered chatbots and virtual assistants are becoming popular in customer support for digital payment platforms. These conversational agents handle customer queries, provide assistance with transactions and offer real-time support that improves customer engagement and reduces response times.

AI is mainly used in digital payments that enhance efficiency and provide better services to users. For instance, On 7 Feb 2023, in India, the Digital India program led to the development of the India Stack, a set of open APIs that enable digital transactions and services. The Aadhaar layer provides biometric-based digital identities and the UPI interface has revolutionized digital payments, which makes India's digital payment network one of the largest networks globally.

Russia-Ukraine War Impact

Geopolitical tensions between these regions lead to the imposition of economic sanctions. These sanctions may impact the availability of international payment networks and financial services, affecting cross-border transactions and financial relationships. Uncertainty due to conflicts creates instability in payment methods.

Government political and military tensions impact consumer confidence and trust in digital payment systems. Concerns about data security, privacy, and financial stability may influence consumer behavior and adoption of digital payment methods. The shift in consumer behavior slows down the growth of the digital payment market.

Segment Analysis

The global digital payment market is segmented based on component, mode of payment, deployment, organization size, end-user, and region.

Growth in the Financial Industry

The digital payment bank sector has experienced significant growth in recent years leading it over nearly 22.3% in 2022. Consumer shifts towards cashless payments as they are adopting digital payment, these factors increase the growth of the banking sector and act as a key player in the financial industry. These banks provide convenient and accessible platforms for individuals and businesses to carry out various financial transactions.

HDFC Bank, India's largest private sector lender, For instance, On 14 July 2023, has announced the implementation of interoperability between the United Payment Interface (UPI) and the country's Central Bank Digital Currency (CBDC). This makes HDFC Bank one of the first banks in India to complete the integration process. Under the CBDC pilot program, the bank has registered over 1 lakh customers and 1.7 lakh merchants. HDFC Bank customers can now use their CBDC wallet to transact money across UPI QR codes without the need to scan different QR codes at the same merchant. This development is expected to boost the usage of CBDC in day-to-day transactions.

Geographical Penetration

Digital Payment Innovations and Collaborations in Asia-Pacific

The rapid growth of fintech in Asia-Pacific has revolutionized the digital payment landscape making it cover more than 52.3% globally. Fintech companies are introducing many different innovative payment solutions that include mobile wallets, QR code payments, and peer-to-peer transfers these innovations in technology are gaining popularity among consumers and businesses. These factors boost the growth of the digital payment market.

Hitachi Payment Services has launched a digital payments innovation hub in collaboration with fintech startups in India. For instance, on, 17 Jun 2023, The partnership aims to bring innovative products and platforms into the Hitachi Payments ecosystem, providing startups with capital, integration with Hitachi's payment stack, and access to its customer network and platform. The hub will focus on building future-ready offerings in the digital payments arena, catering to the evolving needs of businesses and consumers.

The collaboration with Plug and Play will help identify and support startups shaping the financial services industry in the region. This initiative reflects the commitment to drive growth and innovation in the payments industry.

Competitive Landscape

The major global players include MasterCard, Google, Amazon, Alipay, Visa, PayPal, ACI Worldwide, Aurus, Apple Pay, and Paysafe.

Why Purchase the Report?

To visualize the global digital payment market segmentation based on component, mode of payment, deployment, organization size, end-user, and region, as well as understand key commercial assets and players.
Identify commercial opportunities by analyzing trends and co-development.
Excel data sheet with numerous data points of bioplastics market-level with all segments.
PDF report consists of a comprehensive analysis after exhaustive qualitative interviews and an in-depth study.
Product mapping available as Excel consisting of key products of all the major players.

The global digital payment market report would provide approximately 77 tables, 83 figures, and 181 Pages.

Target Audience 2023

Manufacturers/ Buyers
Industry Investors/Investment Bankers
Research Professionals
Emerging Companies

1. Methodology and Scope

1.1. Research Methodology
1.2. Research Objective and Scope of the Report

2. Definition and Overview

3. Executive Summary

3.1. Snippet by Component
3.2. Snippet by Mode of Payment
3.3. Snippet by Deployment
3.4. Snippet by Organization Size
3.5. Snippet by End-User
3.6. Snippet by Region

4. Dynamics

4.1. Impacting Factors
- 4.1.1. Drivers
  - 4.1.1.1. Worldwide Initiatives for the Promotion of Digital Payments
  - 4.1.1.2. E-commerce Platform Boost the Growth of Digital Payment
- 4.1.2. Restraints
  - 4.1.2.1. Limited Connectivity and Cybersecurity Threats
  - 4.1.2.2. User Accessibility and Insufficient Power Supply
- 4.1.3. Opportunity
- 4.1.4. Impact Analysis

5. Industry Analysis

5.1. Porter's Five Force Analysis
5.2. Supply Chain Analysis
5.3. Pricing Analysis
5.4. Regulatory Analysis

6. COVID-19 Analysis

6.1. Analysis of COVID-19
- 6.1.1. Scenario Before COVID
- 6.1.2. Scenario During COVID
- 6.1.3. Scenario Post COVID
6.2. Pricing Dynamics Amid COVID-19
6.3. Demand-Supply Spectrum
6.4. Government Initiatives Related to the Market During Pandemic
6.5. Manufacturers Strategic Initiatives
6.6. Conclusion

7. By Component

7.1. Introduction
- 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 7.1.2. Market Attractiveness Index, By Component
7.2. Solution*
- 7.2.1. Introduction
- 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
7.3. Solution

8. By Mode of Payment

8.1. Introduction
- 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 8.1.2. Market Attractiveness Index, By Mode of Payment
8.2. Point of Sales*
- 8.2.1. Introduction
- 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
8.3. Digital Wallet
8.4. Bank Cards
8.5. Digital Currencies
8.6. Net Banking
8.7. Others

9. By Deployment

9.1. Introduction
- 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 9.1.2. Market Attractiveness Index, By Deployment
9.2. Cloud*
- 9.2.1. Introduction
- 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
9.3. On-premises

10. By Organization Size

10.1. Introduction
- 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 10.1.2. Market Attractiveness Index, By Organization Size
10.2. Large Enterprises*
- 10.2.1. Introduction
- 10.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
10.3. Small and Medium-sized Enterprises

11. By End-User

11.1. Introduction
- 11.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 11.1.2. Market Attractiveness Index, By End-User
11.2. Banking*
- 11.2.1. Introduction
- 11.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
11.3. Financial Service and Insurance
11.4. Healthcare
11.5. Retail and E-commerce
11.6. Transportation
11.7. Travel and Hospitality
11.8. Media and Entertainment
11.9. Transportation and Logistics
11.10. Others

12. By Region

12.1. Introduction
- 12.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
- 12.1.2. Market Attractiveness Index, By Region
12.2. North America
- 12.2.1. Introduction
- 12.2.2. Key Region-Specific Dynamics
- 12.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 12.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 12.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 12.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 12.2.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 12.2.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 12.2.8.1. U.S.
  - 12.2.8.2. Canada
  - 12.2.8.3. Mexico
12.3. Europe
- 12.3.1. Introduction
- 12.3.2. Key Region-Specific Dynamics
- 12.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 12.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 12.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 12.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 12.3.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 12.3.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 12.3.8.1. Germany
  - 12.3.8.2. UK
  - 12.3.8.3. France
  - 12.3.8.4. Italy
  - 12.3.8.5. Russia
  - 12.3.8.6. Rest of Europe
12.4. South America
- 12.4.1. Introduction
- 12.4.2. Key Region-Specific Dynamics
- 12.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 12.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 12.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 12.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 12.4.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 12.4.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 12.4.8.1. Brazil
  - 12.4.8.2. Argentina
  - 12.4.8.3. Rest of South America
12.5. Asia-Pacific
- 12.5.1. Introduction
- 12.5.2. Key Region-Specific Dynamics
- 12.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 12.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 12.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 12.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 12.5.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 12.5.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 12.5.8.1. China
  - 12.5.8.2. India
  - 12.5.8.3. Japan
  - 12.5.8.4. Australia
  - 12.5.8.5. Rest of Asia-Pacific
12.6. Middle East and Africa
- 12.6.1. Introduction
- 12.6.2. Key Region-Specific Dynamics
- 12.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 12.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
- 12.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
- 12.6.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
- 12.6.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

13. Competitive Landscape

13.1. Competitive Scenario
13.2. Market Positioning/Share Analysis
13.3. Mergers and Acquisitions Analysis

14. Company Profiles

14.1. MasterCard*
- 14.1.1. Company Overview
- 14.1.2. Product Portfolio and Description
- 14.1.3. Financial Overview
- 14.1.4. Key Developments
14.2. Google
14.3. Amazon
14.4. Alipay
14.5. Visa
14.6. PayPal
14.7. ACI Worldwide
14.8. Aurus
14.9. Apple Pay
14.10. Paysafe

LIST NOT EXHAUSTIVE