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市场调查报告书
商品编码
1798098

北美和欧洲车载支付市场：2024-2031

In-vehicle Payments for the Passenger Vehicles Market, North America and Europe, 2024-2031
出版日期: | 出版商: Frost & Sullivan | 英文 70 Pages | 商品交期: 最快1-2个工作天内

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简介目录

物联网、人工智慧、5G、互联解决方案和跨产业协作等颠覆性技术与不断发展的行动趋势一致，并将推动转型成长。

乘用车车载支付（IVP）透过在驾驶座上进行金融交易，改变了驾驶体验，开创了一个新时代。

本报告检验了汽车製造商、平台提供者和支付服务提供者如何重塑驾驶体验并为乘客提供无缝、安全和个人化的支付旅程。

随着对车辆资料收益的重视程度不断提高，IVP 解决方案的范围正在从加油、电动车充电和停车等传统使用案例扩展到包括通行费支付、车内订阅、电子商务购买、车辆维护、保险、食品订购和其他车辆到一切 (V2X) 支付。

随着汽车零件数位化，本报告研究了关键的行业趋势、超级应用的兴起、安全支付的进步、车载娱乐的创新以及人工智慧主导的服务的应用以增强客户参与。基于与目标商标产品製造商 (OEM)、一级供应商、金融科技创新者、技术提供商和监管机构的对话，该报告对市场动态和成长机会进行了全面的分析。它提供了收益潜力、技术采用和区域趋势的详细预测，重点是北美和欧洲。 Frost & Sullivan 也绘製了未来的关键机会，为市场参与者和相关人员在快速发展的市场格局中导航提供可行的见解。本报告的基准年为 2024 年，预测期为 2025-2031 年。

分析范围

  • 利用早期的车辆远端资讯处理和连接接口，车载支付市场正在从基本的收费和停车系统发展为复杂的车载数位钱包解决方案。
  • 随着车载连接和资讯娱乐系统的增强，车载支付市场的功能正在扩大，包括加油、电动车充电、免下车订购和订阅服务，这与汽车数位钱包市场的趋势相呼应。
  • 由于生态系统分散、资料安全问题以及不同地区的法规差异，车联网 (V2X) 支付市场解决方案的采用一直进展缓慢，但用户体验 (UX) 和伙伴关係关係的改善正在推动更广泛的采用。
  • 电动车的普及、智慧城市计画以及向软体定义汽车的转变等新兴趋势正在为人工智慧主导的车载支付解决方案市场创造新的机会，从而实现无缝整合的支付生态系统。
  • 本研究检视了全球车载支付市场趋势、整体可寻址市场 (TAM) 和特定应用的可服务可寻址市场 (SAM)，特别关注车载数位钱包市场中 OEM、一级供应商和区域支付提供商的成长机会。

本次调查回答的问题

  • 车载支付市场中的IVP是什么？ IVP销售管道结构
  • 车载数位钱包市场的主要驱动因素与限制因素
  • V2X（车联网）支付市场将如何发展？区域应用趋势及主要参与企业
  • 基于人工智慧的车载支付解决方案的市场规模在不同地区有何不同？
  • 到2031年，全球IVP市场将面临哪些成长机会？这将为IVP产业的关键相关人员带来哪些益处？

主要竞争对手

  • OEM/一级供应商
    • SiriusXM
    • Harman
    • AT&T
    • JLR
    • Hyundai
    • Ford
    • Volkswagen
    • GM
    • BMW
    • Mercedes
    • Connected Vehicles OEMs
    • Technology Providers
    • Sheeva.AI
    • P97
    • IPS Group
    • AWS
    • Sonic
    • Parkopedia
    • bPme
    • IBM Watson
    • Gentex
    • Sheeva.AI
    • Verra Mobility
  • 支付提供者
    • PayPal
    • Fiverr
    • Square
    • Authorize.net
    • WorldPay
    • Bank of America
    • First Data
    • Stripe
    • Ayden
    • VISA
    • Mastercard
    • UnionPay
    • American Express
  • 服务供应商
    • Shell
    • Gilbarco-Veeder Root
    • ExxonMobil
    • BP
    • IPS Group
    • ParkWhiz
    • ParkNow
    • EasyPark
    • SpotHero
    • Starbucks
    • Domino's
    • Applebee's
    • Pizzutelli
    • McDonald's

三大战略对IVP产业的影响

颠覆性技术

  • 为什么
  • 车载支付市场从根本上受到物联网、5G 连接、人工智慧和基于地理位置的支付系统等技术进步的推动。
  • 这些技术创新将实现无缝交易、统一的支付生态系统以及车载数位钱包市场更好的消费者体验。
  • 观点
  • 随着汽车製造商发展成为行动服务供应商，用于安全交易的区块链、用于安全存取的生物识别以及用于增强用户介面的 AR/VR 等颠覆性技术将进一步塑造车联网 (V2X) 支付市场。
  • 参与企业需要专注于研发和跨产业合作，才能在人工智慧主导的车载支付解决方案市场保持竞争力。

转型大趋势

  • 为什么
  • 汽车、金融科技、零售和科技产业的交叉正在为车载商务创造一个生态系统，并推动车载支付市场的成长。
  • 汽车製造商与付款管道、加油站、电动车网路和其他服务生态系统的合作象征着这一趋势，并正在推动车载数位钱包市场的发展。
  • 观点
  • 燃料、停车、电动车充电、通行费支付、洗车、保险、娱乐和智慧城市服务等多个领域的深化伙伴关係将加强对车联网 (V2X) 支付市场的影响。
  • 成功整合多样化服务以提供统一车载体验的公司将占据主导地位，尤其是在人工智慧主导的车载支付解决方案方面。

产业融合

  • 为什么
  • 随着都市化和智慧城市计画的推进，车载数位钱包市场需要无缝的车载支付系统，以实现停车、收费和公共交通整合。
  • 电气化趋势推动了与电动车充电、动态定价和可再生能源解决方案相容的车载支付需求的成长，从而扩大了 V2X（车对一切）支付市场。
  • 向自动驾驶和共用汽车的转变将透过人工智慧主导的车载支付解决方案重新定义行动生态系统，重点是自动化、基于订阅和特定乘车的支付解决方案。
  • 观点
  • 原始设备製造商和技术供应商将专注于将付款管道与城市规划、电动车生态系统和共用行动服务相结合，以加强车载支付市场。
  • 预测分析和人工智慧将透过在车载数位钱包市场提供个人化建议和优先支付选项来增强用户体验。
  • 政府、城市负责人和私人公司之间的全球合作正在推动联网支付系统的创新和标准化，在车联网 (V2X) 支付市场中发挥关键作用。

驱动程式

  • 改善车辆连接
  • 加强网路安全措施
  • 扩大智慧基础设施
  • 车载数位钱包市场对便利性和无缝用户体验的需求
  • 科技与金融合作推动车载支付市场

成长抑制因素

  • 车载支付市场生态系统片段化及互通性挑战
  • 高成本和技术复杂性影响车载数位钱包市场
  • 影响车联网（V2X）支付市场的基础设施和监管缺口
  • 人工智慧车载支付解决方案的资料隐私和安全问题
  • 车上支付市场的消费者认知与信任问题

目录

调查范围

成长环境：IVP

  • 主要发现
  • IVP VIO渗透
  • 区域市场概述：北美
  • 区域市场概述：欧洲
  • 关键策略伙伴关係
  • OEM战略简介
  • 技术/服务供应商概况

IVP 转型

  • 为什么成长变得越来越困难

策略要务

  • 三大策略要务对IVP产业的影响

IVP生态系统

  • 价值链
  • 竞争环境
  • 主要竞争对手

成长动力：IVP

  • 成长指标
  • 成长动力
  • 成长抑制因素
  • 预测考虑因素
  • TAM：收益和支持 IVP 的 VIO 预测
  • TAM：按地区分類的收益预测
  • TAM：以主要应用分類的收益预测
  • 收益预测分析
  • 区域 IVP-VIO 预测
  • 每辆车的平均费用：主要用途
  • 价格趋势及预测分析

成长环境：简介、生态系统、趋势、技术、用例、未来蓝图

  • 主要趋势
  • IVP用例
  • 主要的IVP经营模式
  • IVP经营模式分析：以第三方为基础的经营模式
  • 第三方付款管道的IVP工作流程
  • IVP经营模式分析：OEM付款管道
  • 适用于 OEM 电子钱包付款管道的 IVP 工作流程
  • IVP经营模式分析：透过收购OEM付款管道
  • IVP 中的区块链
  • IVP Mercedes pay+生物识别案例研究
  • 各种作业系统及其对 IVP 的影响

IVP蓝图

成长动力：北美

  • 成长指标
  • TAM：收益和IVP VIO预测
  • TAM：以主要应用分類的收益预测
  • TAM 和 SAM 在 IVP 进行电动车充电
  • 每辆车的平均费用：主要用途
  • 预测分析

成长动力：欧洲

  • 成长指标
  • TAM：收益和IVP VIO预测
  • TAM：以主要应用分類的收益预测
  • IVP 中电动车充电的 TAM 和 SAM
  • 每辆车的平均费用：主要用途
  • 预测分析

OEM分析

  • Mercedes-Benz
  • BMW
  • Hyundai
  • GM
  • Toyota

技术/服务/市场提供者

  • Harman International
  • Parkopedia EasyPark Group
  • Sheeva.AI
  • IBM
  • Visa
  • Mastercard
  • AWS

成长机会：IVP

  • 成长机会1：超越基本交易
  • 成长机会二：合作与策略伙伴关係
  • 成长机会3：资料即服务（DaaS）

附录与后续步骤

简介目录
Product Code: PFRN-46

Disruptive Technologies like IoT, AI, 5G, and Connected Solutions, along with Cross-industry Collaborations, are Driving Transformational Growth by Aligning with Evolving Mobility Trends

In-vehicle payments (IVPs) for passenger vehicles are shifting into a new era, transforming the driving experience by enabling financial transactions from the driver's seat.

This Frost & Sullivan report examines how automakers, platform providers, and payment service enablers are reshaping the driving experience, offering seamless, secure, and personalized payment journeys for vehicle occupants.

With a growing emphasis on monetizing vehicle data, IVP solutions are expanding beyond traditional use cases, like refueling, electric vehicle charging, and parking, to include toll payments, in-car subscriptions, eCommerce purchases, vehicle maintenance, insurance, food orders, and other vehicle-to-everything (V2X) payments.

With vehicle components becoming increasingly digitized, this report explores key industry trends, the rise of super apps, advancements in secure payments, in-car entertainment innovations, and the application of AI-driven services for enhanced customer engagement. Drawing on conversations with leading original equipment manufacturers (OEMs), Tier I suppliers, fintech innovators, technology providers, and regulators, the study offers a comprehensive analysis of market dynamics and growth opportunities. It delivers detailed forecasts on revenue potential, technology adoption, and regional trends, with a sharp focus on North America and Europe. Frost & Sullivan also maps out the key opportunities ahead, providing actionable insights for market players and stakeholders looking to navigate this rapidly evolving landscape. The base year for this report is 2024, and the forecast period is from 2025 to 2031.

Scope of Analysis

  • In-vehicle payments market has evolved from basic toll and parking systems to sophisticated automotive digital wallet market solutions, leveraging early vehicle telematics and connected interfaces.
  • Enhanced in-car connectivity and infotainment systems have expanded the in-vehicle payments market functionalities to include fueling, EV charging, drive-thru orders, and subscription services, reflecting trends in the automotive digital wallet market.
  • Adoption of vehicle-to-everything (V2X) payments market solutions has been gradual due to fragmented ecosystems, data security concerns, and varying regional regulations, but improved UX and partnerships are driving wider adoption.
  • Growing trends like EV adoption, smart city initiatives, and the shift toward software-defined vehicles create new opportunities in the AI-driven in-car payment solutions market for seamless, integrated payment ecosystems.
  • The study explores global in-vehicle payments market trends, the total addressable market (TAM) and serviceable addressable market (SAM) for some applications, focusing on growth opportunities for OEMs, Tier I suppliers, and payment providers in different regions, particularly in the automotive digital wallet market.

Questions This Study Will Answer

  • What is IVP in the context of the in-vehicle payments market? What is IVP's distribution channel structure?
  • What are the primary drivers and restraints for the automotive digital wallet market?
  • How will the vehicle-to-everything (V2X) payments market grow? What is the adoption trend among regions? Who are the key players?
  • How do AI-driven in-car payment solutions market sizes differ across various regions?
  • What are the growth avenues for the IVP market globally until 2031? How will they help important stakeholders in the IVP industry?

Key Competitors

  • OEMs/Tier I
    • SiriusXM
    • Harman
    • AT&T
    • JLR
    • Hyundai
    • Ford
    • Volkswagen
    • GM
    • BMW
    • Mercedes
    • Connected Vehicles OEMs
    • Technology Providers
    • Sheeva.AI
    • P97
    • IPS Group
    • AWS
    • Sonic
    • Parkopedia
    • bPme
    • IBM Watson
    • Gentex
    • Sheeva.AI
    • Verra Mobility
  • Payment Providers
    • PayPal
    • Fiverr
    • Square
    • Authorize.net
    • WorldPay
    • Bank of America
    • First Data
    • Stripe
    • Ayden
    • VISA
    • Mastercard
    • UnionPay
    • American Express
  • Service Providers
    • Shell
    • Gilbarco-Veeder Root
    • ExxonMobil
    • BP
    • IPS Group
    • ParkWhiz
    • ParkNow
    • EasyPark
    • SpotHero
    • Starbucks
    • Domino's
    • Applebee's
    • Pizzutelli
    • McDonald's

The Impact of the Top 3 Strategic Imperatives on the IVP Industry

Disruptive Technologies

  • WHY
  • The in-vehicle payments market is fundamentally driven by advancements in technologies like IoT, 5G connectivity, AI, and geolocation-based payment systems.
  • These innovations enable seamless transactions, integration of payment ecosystems, and enhanced consumer experiences within the automotive digital wallet market.
  • FROST PERSPECTIVE
  • As automakers evolve into mobility service providers, disruptive technologies like blockchain for secure transactions, biometrics for secure access, and AR/VR for enhanced user interfaces will further shape the vehicle-to-everything (V2X) payments market.
  • Players must focus on R&D and cross-industry collaborations to stay competitive in the AI-driven in-car payment solutions market.

Transformative Megatrends

  • WHY
  • The intersection of automotive, fintech, retail, and technology industries has created an ecosystem for in-vehicle commerce and the growth of the in-vehicle payments market.
  • Automakers partnering with payment platforms, fuel stations, EV networks, and other service ecosystems exemplify this trend, driving the automotive digital wallet market forward.
  • FROST PERSPECTIVE
  • Convergence will intensify, with deeper partnerships spanning multiple domains such as fuel, parking, EV charging, toll payments, car wash, insurance, entertainment, and smart city services impacting the vehicle-to-everything (V2X) payments market.
  • Companies that can successfully integrate diverse services into a unified in-vehicle experience will dominate this space, particularly in AI-driven in-car payment solutions.

Industry Convergence

  • WHY
  • Growing urbanization and smart city initiatives demand seamless in-vehicle payments systems for parking, tolls, and public transport integration within the automotive digital wallet market.
  • The electrification trend is driving the need for in-car payments tailored to EV charging, dynamic pricing, and renewable energy solutions, enhancing the vehicle-to-everything (V2X) payments market.
  • The shift to automated and shared vehicles emphasizes automated, subscription-based, and ride-specific payment solutions, redefining mobility ecosystems through AI-driven in-car payment solutions.
  • FROST PERSPECTIVE
  • OEMs and technology providers will focus on integrating payment platforms with urban planning, EV ecosystems, and shared mobility services, enhancing the in-vehicle payments market.
  • Predictive analytics and AI will enhance user experiences by offering personalized recommendations and pre-emptive payment options within the automotive digital wallet market.
  • Global collaboration between governments, urban planners, and private companies will drive innovation and standardization in connected payment systems, critical for the vehicle-to-everything (V2X) payments market.

Growth Drivers

  • Increasing Vehicle Connectivity
  • Increasing Cybersecurity Measures
  • Expanding Smart Infrastructure
  • Demand for Convenience and Seamless User Experience in the automotive digital wallet market
  • Partnerships with Technology and Financial Players driving the in-vehicle payments market

Growth Restraints

  • Fragmented Ecosystem and Interoperability Challenges within the in-vehicle payments market
  • High Costs and Technological Complexity affecting the automotive digital wallet market
  • Infrastructure and Regulatory Disparities impacting the vehicle-to-everything (V2X) payments market
  • Data Privacy and Security Concerns related to AI-driven in-car payment solutions
  • Consumer Awareness and Trust Issues in the context of in-vehicle payments market

Table of Contents

Research Scope

  • Scope of Analysis
  • Market Definition
  • Regional Segmentation
  • Key Addressable Areas

Growth Environment: IVPs

  • Key Findings
  • IVP VIO Penetration
  • Regional Market Snapshot: North America
  • Regional Market Snapshot: Europe
  • Key Strategic Partnerships
  • OEM Strategies Snapshot
  • Technology/Service Provider Snapshot

Transformation in IVPs

  • Why Is It Increasingly Difficult to Grow?

The Strategic Imperative

  • The Impact of the Top 3 Strategic Imperatives on the IVP Industry

Ecosystem in IVPs

  • Value Chain
  • Competitive Environment
  • Key Competitors

Growth Generator: IVPs

  • Growth Metrics
  • Growth Drivers
  • Growth Restraints
  • Forecast Considerations
  • TAM: Revenue and IVP-enabled VIO Forecast
  • TAM: Revenue Forecast by Region
  • TAM: Revenue Forecast by Key Applications
  • Revenue Forecast Analysis
  • IVP-VIO Forecast by Region
  • Average Commissions Per Vehicle: Key Applications
  • Pricing Trends and Forecast Analysis

Growth Environment: Introduction, Ecosystem, Trends, Technology, Use Cases, and Future Roadmap

  • Key Trends
  • IVP Use Cases
  • Key IVP Business Models
  • IVP Business Model Analysis: Third-party-based Business Model
  • IVP Workflow for Third-party-based Payment Platform
  • IVP Business Model Analysis: OEM Payment Platform
  • IVP Workflow for OEM eWallet-based Payment Platform
  • IVP Business Model Analysis: OEM-acquired Payment Platform
  • Blockchain in IVP
  • Biometrics in IVP Mercedes pay+ Case Study
  • Various Operating Systems OS and their Impact on IVPs

IVP Roadmap

Growth Generator: North America

  • Growth Metrics
  • TAM: Revenue and IVP VIO Forecast
  • TAM: Revenue Forecast by Key Applications
  • TAM vs SAM for EV Charging in IVP
  • Average Commissions Per Vehicle: Key Applications
  • Forecast Analysis

Growth Generator: Europe

  • Growth Metrics
  • TAM: Revenue and IVP VIO Forecast
  • TAM: Revenue Forecast by Key Applications
  • TAM vs SAM for EV Charging in IVPs
  • Average Commissions Per Vehicle: Key Applications
  • Forecast Analysis

OEM Profiling

  • Mercedes-Benz
  • BMW
  • Hyundai
  • GM
  • Toyota

Technology/Service/Marketplace Provider

  • Harman International
  • Parkopedia EasyPark Group
  • Sheeva.AI
  • IBM
  • Visa
  • Mastercard
  • AWS

Growth Opportunity Universe: IVPs

  • Growth Opportunity 1: Expansion Beyond Basic Transactions
  • Growth Opportunity 2: Collaboration and Strategic Partnerships
  • Growth Opportunity 3: Data-as-a-Service DaaS

Appendix & Next Steps

  • Benefits and Impacts of Growth Opportunities
  • Next Steps
  • List of Exhibits
  • Legal Disclaimer