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1372606

全球语音支付市场 - 2023-2030

Global Voice-Based Payments Market - 2023-2030

出版日期: 2023年10月18日 | 出版商:

DataM Intelligence | 英文 201 Pages | 商品交期: 最快1-2个工作天内

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简介目录

概述

全球语音支付市场将于 2022 年达到 60 亿美元，预计到 2030 年将达到 137 亿美元，2023-2030 年预测期间复合年增长率为 10.9%。

由于语音辨识和自然语言处理技术的快速发展，在人工智慧的支援下，基于语音的互动的准确性和可靠性大幅提高，使用户可以更轻鬆地使用语音命令进行支付。基于语音的支付提供了一种快速有效的开展业务的方式。用户只需说出命令即可完成购买或转移资金，无需手动输入或浏览应用程式和网站。

例如，2023 年9 月7 日，印度国家支付公司(NPCI) 在统一支付介面(UPI) 平台上推出了多种新的支付选项，包括对话式交易和这些产品，包括UPI 上的Credit Line、UPI LITE X、Tap &付款，您好！ UPI 和对话式帐单支付旨在创建一个包容性、弹性和可持续的数位支付生态系统，并支持 UPI 实现每月 1000 亿笔交易的目标。

亚太地区智慧型手机的普及率迅速增加。基于语音的支付通常依赖于行动设备，而智慧型手机的广泛使用为该技术的发展提供了坚实的基础。各国数位生态系统蓬勃发展，众多数位钱包和支付平台被广泛接受，这些平台可以无缝整合语音支付功能，方便用户使用。

动力学

在线购物中的使用不断增加

基于语音的支付提供免持且无摩擦的购物体验。顾客只需使用语音即可购买，当他们的双手被占用或同时处理多项任务时，这尤其方便。基于语音的交易通常比手动打字或在多个萤幕上点击更快。购物者可以快速完成购买，从而减少完成线上订单所需的时间。

例如，2021 年9 月14 日，ToneTag 是一家为线上和线下商务提供与硬体无关的声波技术解决方案的提供商，成功完成了印度储备银行(RBI) 零售支付沙箱下的第一批测试。在此计划中，ToneTag 使用功能手机和智慧型手机进行了基于离线语音的支付测试，特别是在网路连线不可靠的地区。

政府倡议

政府优先考虑金融交易的安全。语音生物辨识和多因素身份验证等先进的安全机制可以融入基于语音的支付解决方案中，以保护用户的财务资讯和交易。基于语音的支付可以加快政府运作，包括福利和补贴的分配，从而提高提供公共服务的效率并减少官僚主义。

例如，印度将于 2023 年 8 月 22 日扩大其通用支付介面 (UPI) 系统，引入基于语音的离线数位支付，以弥合城乡地区之间的数位落差。大约有 3.5 亿人使用它进行各种交易。印度储备银行计划推出语音支付。用户将能够使用人工智慧驱动的系统透过语音命令进行支付，这项功能将首先以印地语和英语提供，旨在提高数位支付的可及性。

数位支付的使用不断增加

透过基于语音的支付，使用者可以轻鬆快速地进行数位交易，而无需键入或手动输入支付资讯。用户只需使用语音即可授权付款。有障碍的人或其他无法使用更传统的数位支付方式（包括在触控萤幕或键盘上打字）的人可能会发现基于语音的购买更容易。

例如，2021 年5 月11 日，为了促进数位支付在印度的使用，印度理工学院马德拉斯分校和印度行动支付论坛(MPFI) 正在合作开发基于语音的解决方案，特别是多种本地语言的解决方案。该计划还提供了研究的可能性。目前印度每月有超过 1 亿的 UPI 活跃用户。 MPFI 的目标是到 2025 年将 5 亿活跃用户引入 UPI 支付平台。

强大的安全性和支付错误

安全性是语音支付的首要问题。语音录音可能被欺骗或被盗，从而可能导致未经授权的交易。生物辨识身分验证（语音生物辨识）和强大的安全措施对于减轻这些风险至关重要。使用语音资料进行支付引发了隐私问题。使用者可能会对自己的录音被储存或分享感到不舒服，即使是出于安全目的。明确的隐私权政策和使用者同意机制至关重要。

语音辨识技术并非万无一失。口音、方言、背景噪音和言语障碍可能会导致误解，从而导致支付交易错误，并且语音支付缺乏行业标准，从而导致碎片化和互通性问题。需要标准化工作来确保不同平台和提供者之间的一致性。

The accuracy and dependability of voice-based interactions have substantially increased due to the rapid growth of voice recognition and natural language processing technologies, backed by artificial intelligence, making it simpler for users to make payments using voice commands. Voice-based payments provide a quick and effective means of conducting business. Users can simply speak a command that completes a purchase or transfer funds eliminating the need for manual input or navigating through apps and websites.

For instance, on 7 September 2023, The National Payments Corporation of India (NPCI) launched several new payment options on Unified Payments Interface (UPI) platform, including conversational transactions and these offerings, including Credit Line on UPI, UPI LITE X, Tap & Pay, Hello! UPI and Conversational Bill Payments, aim to create an inclusive, resilient and sustainable digital payments ecosystem and support UPI's goal of reaching 100 billion transactions per month.

Asia-Pacific has seen a rapid increase in smartphone adoption. Voice-based payments often rely on mobile devices and the widespread use of smartphones provides a strong foundation for the growth of this technology. countries have witnessed the development of robust digital ecosystems, with numerous digital wallets and payment platforms becoming widely accepted and these platforms can integrate voice-based payment capabilities seamlessly, making it convenient for users.

Dynamics

Growing Use in Online Shopping

Voice-based payments offer a hands-free and frictionless shopping experience. Customers can simply use their voice to make purchases, which can be especially convenient when their hands are occupied or when they are multitasking. Voice-based transactions are often faster than manual typing or clicking through multiple screens. Shoppers can complete their purchases quickly which leads to reduce the time it takes to complete an online order.

For instance, on 14 September 2021, ToneTag, a provider of hardware-agnostic sound wave technology solutions for online and offline commerce, successfully completed the first cohort under the Reserve Bank of India's (RBI) sandbox for retail payments. In this initiative, ToneTag conducted tests of offline voice-based payments using both feature phones and smartphones, particularly in areas with unreliable internet connectivity.

Government Initiatives

Governments prioritize the security of financial transactions. Advanced security mechanisms, such as speech biometrics and multi-factor authentication, can be incorporated into voice-based payment solutions to safeguard users' financial information and transactions. Voice-based payments can speed government operations including the distribution of benefits and subsidies, which can improve the effectiveness of providing public services and reduce bureaucracy.

For instance, on 22 August 2023, India is set to expand its Universal Payments Interface (UPI) system by introducing voice-based and offline digital payments to bridge the digital divide between urban and rural areas. with approximately 350 million people using it for various transactions. Reserve Bank of India is planning to introduce voice-based payments. Users will be able to use AI-powered systems to make payments via voice commands and this functionality, which will first be offered in Hindi and English, seeks to improve accessibility for digital payments.

Growing Use of Digital Payments

With voice-based payments, users may make digital transactions easily and quickly without having to type or manually enter payment information. Users can just use their voice to authorize payments. People with impairments or others who would have trouble utilizing more conventional digital payment methods, including typing on a touchscreen or keyboard, may find voice-based purchases to be more accessible.

For instance, on 11 May 2021, In order to boost the use of digital payments in India, IIT-Madras and the Mobile Payment Forum of India (MPFI) are working together to develop voice-based solutions, notably in a variety of vernacular languages. It program also provides research possibilities. There are currently more than 100 million monthly active UPI users in India. MPFI's goal is to bring 500 million active users onto UPI payment platforms by 2025.

Robust Security and Errors in Payment

Security is a primary concern with voice-based payments. Voice recordings can be spoofed or stolen, potentially leading to unauthorized transactions. Biometric authentication (voice biometrics) and robust security measures are essential to mitigate these risks. The use of voice data for payments raises privacy concerns. Users may be uncomfortable with their voice recordings being stored or shared, even for security purposes. Clear privacy policies and user consent mechanisms are crucial.

Voice recognition technology is not infallible. Accents, dialects, background noise and speech impediments can lead to misinterpretation, resulting in errors in payment transactions and there is a lack of industry standards for voice-based payments, leading to fragmentation and interoperability issues. Standardization efforts are needed to ensure consistency across different platforms and providers.

Segment Analysis

The global voice-based payments market is segmented based on component, enterprise size, end-user and region.

Adoption of Voice-Based Payment Software

The likelihood of fraud and unauthorized access is decreased by adding an additional layer of security to voice-based payments using voice biometrics and multi-factor authentication techniques. Since voice-based payment options are frequently integrated into mobile banking apps and digital wallets.

Customers who already use these programs for other financial activities may access them quickly. User experience is becoming a higher priority for businesses when developing payment systems. Voice-based payments offer a user-friendly and intuitive interface that can enhance customer satisfaction.

For instance, on 21 September 2023, Amazon announced the incorporation of radio-frequency identification (RFID) tags into its biometric-based Just Walk Out retail stores, focusing on soft goods and this move aims to replicate the frictionless shopping experience seen in packaged goods. Initially tested during the Seattle Kraken's ice hockey season at the Climate Pledge Arena, this technology will be expanded to the NFL's Seattle Seahawks' 2023-2024 season at Lumen Field Just Walk Out stores.

Geographical Penetration

Regional Adoption in Voice-Based Platform

In order to protect user information and transactions, voice-based payment platforms have added strong security mechanisms including voice biometrics and tokenization. In order to make using these payment methods more easy for customers, many merchants in North America are investigating voice-based payment solutions as part of their in-store and online payment services.

For instance, on 1 May 2023, Stripe, a financial infrastructure platform, partnered with Microsoft to enable North American businesses to accept payments directly within Microsoft Teams and this integration, called Teams Payments, allows meeting hosts to accept real-time card payments during virtual appointments, classes, events and more. Businesses can also require advance payment through Stripe for access to Teams sessions.

Competitive Landscape

The major global players in the market include: NCR Corporation, Amazon.com, Inc., PayPal Holdings, Inc., PCI Pal, Vibe Pay Limited, Alibaba Cloud International, Cerence, Inc., Google LLC, Huawei Technologies Co., Ltd. and Paysafe Holdings UK Limited.

COVID-19 Impact Analysis:

The pandemic accelerated the shift towards contactless payments to minimize physical contact with payment terminals. Voice-based payments offer a hands-free and contactless payment option, aligning with the need for hygiene and safety. Many individuals and businesses became more cautious about handling cash during the pandemic due to concerns about the virus's spread. Voice-based payments, along with other digital payment methods, provided an alternative to cash transactions.

With lockdowns and restrictions in place, e-commerce experienced significant growth during the pandemic. By enabling customers to make purchases with a straightforward voice command, voice-based payments can increase the convenience of online purchasing as there was a surge in the use of digital payments for different transactions, such as bill payments and online shopping, as more people migrated to remote employment and digital services. Voice-based payments catered to this growing demand for digital solutions.

Voice commerce, where users can shop and make payments using voice commands, gained traction during the pandemic. Retailers and e-commerce platforms explored voice-based shopping experiences to serve customers more conveniently. Voice assistants like Amazon Alexa and Google LLC Assistant saw increased usage during lockdowns as people turned to them for entertainment, information and shopping and this increased familiarity with voice interactions extended to voice-based payments.

AI Impact

AI-driven voice recognition technology has become more accurate and capable of understanding natural language, dialects and accents, this improvement ensures that voice-based payment systems can accurately process user commands. AI plays a crucial role in securing voice-based payments. Voice biometrics, a form of AI, is used to verify users' identities by analyzing unique vocal patterns, making payments more secure and reducing the risk of fraud.

AI-driven biometric authentication methods, including voice recognition, enhance payment security. Users' voices serve as a secure means of identity verification, reducing the reliance on passwords or PINs. AI algorithms can analyze user preferences and behavior to provide personalized payment recommendations and this personalization enhances the user experience and can lead to increased adoption of voice-based payments.

For instance, on 7 September 2023, Indian supply chain finance platform KredX has partnered with Mastercard to streamline B2B digital payments. It collaboration will integrate Mastercard's commercial card service with KredX's platform, simplifying B2B payments made via cards. KredX's platform, powered by artificial intelligence (AI), provides features such as dynamic discounting, early payment and price discovery to improve cash flows and enhance supply chain management for businesses.

Russia-Ukraine War Impact

The conflict may create geopolitical uncertainty, impacting the global economy and financial markets. Uncertainty can influence investment decisions and overall economic stability, which can indirectly affect FinTech companies, including those offering voice-based payment solutions. The war can lead to fluctuations in currency exchange rates, affecting international transactions and cross-border payments.

Supply chain disruptions caused by the conflict can impact the availability of hardware components and devices required for voice-based payment systems and this could lead to delays in product development and deployment. The conflict may raise concerns about data security and privacy, especially when voice-based payments involve cross-border data transfers. FinTech companies may need to enhance their security measures to address potential threats.

By Component

Software
Hardware

By Enterprise Size

Large Enterprises
Small & Medium Enterprises

By End-User

BFSI
Automotive
Healthcare
Retail
Government
Others

By Region

North America
- U.S.
- Canada
- Mexico

Europe
- Germany
- UK
- France
- Italy
- Russia
- Rest of Europe

South America
- Brazil
- Argentina
- Rest of South America

Asia-Pacific
- China
- India
- Japan
- Australia
- Rest of Asia-Pacific

Middle East and Africa

Key Developments

In February 2023, Ubona Technologies introduced a groundbreaking payment solution called "123 UPI," based on speech recognition technology and this innovative system enables users, whether they have feature phones or smartphones, to conduct digital payments in their preferred Indian languages. Undergo a one-time registration guided by an automated Interactive Voice Response (IVR) system and can subsequently conduct secure payment transactions over the phone.
In September 2021, VibePay, a social payment initiation service, introduced account-to-account voice-activated payments in Europe, becoming the first to offer this feature in the region. Users on iOS can now use Siri to make payments or request payments from others directly, with transactions occurring instantly between UK bank accounts at no cost and this move aligns with VibePay's mission to change the way consumers and businesses engage with payments.
In March 2023, Worldline launched VABOX (Voice Alert Box) to provide instant payment voice alerts for merchants in India and this sleek and robust device is being introduced through Worldline's partner banks, including Axis Bank, Kotak Mahindra Bank, Punjab National Bank, Union Bank of India and others. In the initial phase, Worldline India plans to roll out half a million VABOX devices that will offer instant voice alerts for QR-code-based payments.

Why Purchase the Report?

To visualize the global voice-based payments market segmentation based on component, enterprise 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 voice-based payments 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 voice-based payments market report would provide approximately 61 tables, 58 figures and 201 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 Enterprise Size
3.3. Snippet by End-User
3.4. Snippet by Region

4. Dynamics

4.1. Impacting Factors
- 4.1.1. Drivers
  - 4.1.1.1. Growing Use in Online Shopping
  - 4.1.1.2. Government Initiatives
  - 4.1.1.3. Growing Use of Digital Payments
- 4.1.2. Restraints
  - 4.1.2.1. Robust Security and Errors in Payment
- 4.1.3. 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
5.5. Russia-Ukraine War Impact Analysis
5.6. DMI Opinion

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. Software*
- 7.2.1. Introduction
- 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
7.3. Hardware

8. By Enterprise Size

8.1. Introduction
- 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 8.1.2. Market Attractiveness Index, By Enterprise Size
8.2. large Enterprises*
- 8.2.1. Introduction
- 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
8.3. Small & Medium Enterprises

9. By End-User

9.1. Introduction
- 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 9.1.2. Market Attractiveness Index, By End-User
9.2. BFSI*
- 9.2.1. Introduction
- 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
9.3. Automotive
9.4. Healthcare
9.5. Retail
9.6. Government
9.7. Others

10. By Region

10.1. Introduction
- 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
- 10.1.2. Market Attractiveness Index, By Region
10.2. North America
- 10.2.1. Introduction
- 10.2.2. Key Region-Specific Dynamics
- 10.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 10.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 10.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 10.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 10.2.6.1. U.S.
  - 10.2.6.2. Canada
  - 10.2.6.3. Mexico
10.3. Europe
- 10.3.1. Introduction
- 10.3.2. Key Region-Specific Dynamics
- 10.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 10.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 10.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 10.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 10.3.6.1. Germany
  - 10.3.6.2. UK
  - 10.3.6.3. France
  - 10.3.6.4. Italy
  - 10.3.6.5. Russia
  - 10.3.6.6. Rest of Europe
10.4. South America
- 10.4.1. Introduction
- 10.4.2. Key Region-Specific Dynamics
- 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 10.4.6.1. Brazil
  - 10.4.6.2. Argentina
  - 10.4.6.3. Rest of South America
10.5. Asia-Pacific
- 10.5.1. Introduction
- 10.5.2. Key Region-Specific Dynamics
- 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
- 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
  - 10.5.6.1. China
  - 10.5.6.2. India
  - 10.5.6.3. Japan
  - 10.5.6.4. Australia
  - 10.5.6.5. Rest of Asia-Pacific
10.6. Middle East and Africa
- 10.6.1. Introduction
- 10.6.2. Key Region-Specific Dynamics
- 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
- 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
- 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

11. Competitive Landscape

11.1. Competitive Scenario
11.2. Market Positioning/Share Analysis
11.3. Mergers and Acquisitions Analysis

12. Company Profiles

12.1. NCR Corporation*
- 12.1.1. Company Overview
- 12.1.2. Product Portfolio and Description
- 12.1.3. Financial Overview
- 12.1.4. Key Developments
12.2. Amazon.com, Inc.
12.3. PayPal Holdings, Inc.
12.4. PCI Pal
12.5. Vibe Pay Limited
12.6. Alibaba Cloud International
12.7. Cerence, Inc.
12.8. Google LLC
12.9. Huawei Technologies Co., Ltd.
12.10. Paysafe Holdings UK Limited

LIST NOT EXHAUSTIVE

13. Appendix

13.1. About Us and Services
13.2. Contact Us

02-2729-4219

+886-2-2729-4219

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