市场调查报告书
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1497659
B2B付款市场:按类型、付款方式、组织规模、产业划分 - 2024-2030 年全球预测B2B Payments Market by Type (Cross-Border, Domestic), Payment Method (Credit Cards, Digital Wallets, Electronic Funds Transfer), Organization Size, Industry Vertical - Global Forecast 2024-2030 |
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B2B付款市场规模预估2023年为1,575.8亿美元,2024年达到1,714.1亿美元,预估至2030年将达2,885.6亿美元,复合年增长率为9.02%。
企业对企业(B2B)付款是指企业之间主要透过电子方式交换所提供的商品和服务的资金。这种B2B付款包括电子资金转帐(EFT)、ACH(自动清算所)、信用卡、电子帐单平台、数位钱包和基于区块链的付款系统等各种解决方案。这些付款解决方案促进安全且高效的商业交易,并减少对传统纸本支票和现金交易的依赖。 B2B付款市场的成长要素是用于商业交易的行动应用程式和线上网站的可用性不断增加。此外,由于针对企业偏好客製化的付款选项数量不断增加,B2B付款解决方案的采用也不断增加。然而,B2B付款市场面临一些限制,包括新的 B2B付款选项与现有系统的集成,以及网路攻击和资料外洩日益增长的安全疑虑。为了克服这些挑战,公司正在投资研发以改善安全措施。此外,人工智慧、机器学习、云端运算和分散式帐本技术等技术进步显着提高了交易处理速度和安全性。采用区块链技术增强安全性并实施即时付款解决方案以改善现金流管理正在利用 B2B付款市场的新机会。
主要市场统计 | |
---|---|
基准年[2023] | 1575.8亿美元 |
预计年份 [2024] | 1714.1亿美元 |
预测年份 [2030] | 2885.6亿美元 |
复合年增长率(%) | 9.02% |
区域洞察
在美洲,美国是 B2B付款技术的领先创新者,众多金融科技公司推动即时付款(RTP)、基于区块链的解决方案和高阶资料分析等领域的转型。与创新步伐保持同步的是 FedNow,这是联准会开发的即时付款服务,旨在实现美国金融机构内部的即时转帐。同时,在加拿大,Interac e-Transfer for Business 等数位付款解决方案的采用在中小型企业中获得了巨大的吸引力。欧盟国家透过 SEPA(单一欧元付款区)等措施走在跨境付款流程标准化的前沿,该倡议协调了整个欧洲的电子交易。最近的发展包括欧洲央行的 TIPS计划(TARGET 即时支付结算),该计画促进了整个欧洲的即时付款处理。由于网路普及不断上升、智慧型手机的普及以及政府积极采用数位付款方式,中东和非洲地区为 B2B付款提供了充足的成长机会。中国在B2B付款创新方面处于全球领先地位,阿里巴巴旗下蚂蚁金服等巨头在跨国付款处于领先地位。同时,日本不断涌现金融科技Start-Ups,利用人工智慧技术简化 B2B付款流程。在印度,统一支付介面(UPI)以创纪录的交易量改变了数位付款,这一成功导致了基于 UPI 的企业解决方案的引入。由于技术进步、消费者需求不断变化以及对无缝客户体验的需求不断增加,全球 B2B付款市场正在迅速发展。
FPNV定位矩阵
FPNV定位矩阵对于评估供应商在B2B付款市场的定位至关重要。此矩阵提供了对供应商的全面评估,并检验了与商务策略和产品满意度相关的关键指标。这种详细的评估使用户能够根据自己的要求做出明智的决定。根据评估,供应商被分为代表其成功程度的四个像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市场占有率分析
市场占有率分析是一种综合工具,可以对 B2B付款市场中供应商的现状进行深入而详细的评估。透过仔细比较和分析供应商的贡献,您可以更深入地了解每个供应商的绩效以及他们在争夺市场占有率时面临的挑战。这些贡献包括整体收益、客户群和其他重要指标。此外,该分析还提供了对该行业竞争力的宝贵见解,包括在研究基准年期间观察到的累积、分散主导地位和合併特征等因素。有了这些详细信息,供应商可以做出更明智的决策并製定有效的策略,以在市场竞争中保持领先地位。
战略分析和建议
策略分析对于寻求在全球市场站稳脚跟的组织至关重要。对 B2B付款市场目前地位的全面评估使企业能够做出符合其长期愿望的明智决策。此关键评估涉及对组织的资源、能力和整体绩效进行彻底分析,以确定核心优势和需要改进的领域。
[185 Pages Report] The B2B Payments Market size was estimated at USD 157.58 billion in 2023 and expected to reach USD 171.41 billion in 2024, at a CAGR 9.02% to reach USD 288.56 billion by 2030.
Business-to-business (B2B) payments refer to the exchange of funds, primarily through electronic means, between enterprises for goods and services rendered. This B2B payment encompasses various solutions, including Electronic Funds Transfer (EFT), Automated Clearing House (ACH), credit cards, e-invoicing platforms, digital wallets, and blockchain-based payment systems. These payment solutions facilitate secure and efficient business transactions, reducing the reliance on traditional paper checks and cash-based transactions. The growth factors in the B2B payments market include the easy availability of mobile apps and online websites for business transactions. Furthermore, the rising number of payment options to suit the preferences of businesses is increasing the adoption of B2B payment solutions. However, the B2B payments market faces some limitations, while integrating novel B2B payment options with existing systems and rising security concerns regarding cyberattacks and data breaches. To overcome these issues, businesses invest in research and development, improving security measures. Moreover, technological advancements, including AI, ML, cloud computing, and DLT, have significantly improved transaction processing speed and security. Adopting blockchain technology for enhanced security and implementing real-time payment solutions for improved cash flow management is capitalizing on emerging opportunities in the B2B payment market.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 157.58 billion |
Estimated Year [2024] | USD 171.41 billion |
Forecast Year [2030] | USD 288.56 billion |
CAGR (%) | 9.02% |
Regional Insights
In the Americas region, the United States is a leading innovator in B2B payments technology, with numerous fintech companies driving change in areas such as real-time payments (RTP), blockchain-based solutions, and advanced data analytics. In line with this innovation push is FedNow, a real-time payment service developed by The Federal Reserve System that aims to enable instant transfers within US financial institutions. Meanwhile, in Canada, adopting digital payment solutions such as Interac e-Transfer for Business has gained significant traction among SMEs. EU countries have been at the forefront of standardizing cross-border payment processes through initiatives like SEPA (Single Euro Payments Area), which harmonizes European electronic transactions. Latest developments include the European Central Bank's TIPS project (TARGET Instant Payment Settlement) that facilitates instant payment processing across Europe. The Middle East and Africa region presents ample growth opportunities in B2B payments, driven by increasing internet penetration, smartphone adoption, and supportive government initiatives to adopt digital payment methods. China is a global leader in B2B payment innovation, with market giants such as Alibaba's Ant Financial spearheading advances in cross-border e-commerce payments. Meanwhile, Japan has seen the rise of several fintech startups that leverage AI-driven technologies to streamline B2B payment processes. In India, the Unified Payments Interface (UPI) has transformed digital payments with record-breaking transaction volumes, and this success has led to the introduction of UPI-based solutions explicitly catering to businesses. Considering these, the global B2B payments market is evolving rapidly, driven by technological advancements, shifting consumer needs, and increasing demands for seamless customer experiences.
Market Insights
The market dynamics represent an ever-changing landscape of the B2B Payments Market by providing actionable insights into factors, including supply and demand levels. Accounting for these factors helps design strategies, make investments, and formulate developments to capitalize on future opportunities. In addition, these factors assist in avoiding potential pitfalls related to political, geographical, technical, social, and economic conditions, highlighting consumer behaviors and influencing manufacturing costs and purchasing decisions.
FPNV Positioning Matrix
The FPNV positioning matrix is essential in evaluating the market positioning of the vendors in the B2B Payments Market. This matrix offers a comprehensive assessment of vendors, examining critical metrics related to business strategy and product satisfaction. This in-depth assessment empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success, namely Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The market share analysis is a comprehensive tool that provides an insightful and in-depth assessment of the current state of vendors in the B2B Payments Market. By meticulously comparing and analyzing vendor contributions, companies are offered a greater understanding of their performance and the challenges they face when competing for market share. These contributions include overall revenue, customer base, and other vital metrics. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With these illustrative details, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Recent Developments
Nuvei Launches Upgraded Solution for B2B Payments in Canada
Nuvei Corporation, a Canadian fintech company, has launched an enhanced payment solution for B2B transactions within Canada. With this new solution, Nuvei customers access various payment processing capabilities, including Card-Not-Present and account-to-account processing, Level 3 processing, and Nuvei's proprietary AR solution that seamlessly integrates with their ERP system. By leveraging this comprehensive payment solution, businesses can optimize their financial operations, enhance efficiency, and drive growth. [Published On: 2023-10-05]
Mastercard and Oracle Partner to Automate B2B Payments
Mastercard and Oracle Corporation have partnered to streamline B2B payments for enterprise customers by incorporating Mastercard's virtual card platform into Oracle Fusion Cloud ERP. This partnership aims to tackle common challenges companies face, such as managing disparate data, systems, and processes when making commercial payments. With Mastercard's virtual card technology, Oracle aims to facilitate secure connectivity and information sharing among all trading parties, simplifying end-to-end financial transactions for corporate customers. [Published On: 2023-09-19]
Two Raises 19.4 Million for Global B2B Payments Solution
Two AS, a FinTech company, has raised USD 19.4 million for its B2B payments solution. Through this funding, the company's innovative solution aims to revolutionize B2B payments, providing businesses with a seamless and efficient platform, enhancing its offering, and driving growth in the industry. [Published On: 2023-03-21]
Strategy Analysis & Recommendation
The strategic analysis is essential for organizations seeking a solid foothold in the global marketplace. Companies are better positioned to make informed decisions that align with their long-term aspirations by thoroughly evaluating their current standing in the B2B Payments Market. This critical assessment involves a thorough analysis of the organization's resources, capabilities, and overall performance to identify its core strengths and areas for improvement.
Key Company Profiles
The report delves into recent significant developments in the B2B Payments Market, highlighting leading vendors and their innovative profiles. These include American Express Company, Ant Group Co., Ltd., Bank of America Corporation, Block Inc., Bottomline Technologies Inc., Capital One Financial Corporation, Citigroup Inc., Coupa Software Inc., JPMorgan & Chase Co., Mastercard Inc., Payoneer Inc., PayPal Holdings, Inc., Paystand, Inc., Ramp Business Corporation, Rapyd Financial Network Ltd., Square, Inc., Stripe, Inc., Tipalti Inc., TransferWise Ltd., Visa Inc., and Wise Payments Limited.
Market Segmentation & Coverage