市场调查报告书
商品编码
1137980

全球实时支付市场 - 增长、趋势、COVID-19 影响和预测(2022-2027 年)

Global Real-Time Payments Market - Growth, Trends, COVID-19 Impact, and Forecasts (2022 - 2027)

出版日期: | 出版商: Mordor Intelligence Pvt Ltd | 英文 117 Pages | 商品交期: 2-3个工作天内

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  • 全貌
  • 简介
  • 目录
简介

预计全球实时支付市场在预测期内的复合年增长率为 33.5%。

实时支付通常专注于低价值零售支付系统 (RPS),不同于实时总支付系统 (RTGS) 和分布式账本支付系统。实时支付不仅满足了需求和期望,还引起了监管机构、竞争管理机构和支付服务提供商的兴趣。监管机构认为,即时支付将扩大银行服务的使用范围,支持经济增长,提供 Visa/Mastercard 网络的替代方案,并减少现金和支票的使用。

主要亮点

  • 智能手机在发达国家的普及率已达到 70%,而功能手机在新兴经济体中往往正在取代现金和钱包。社交平台、数字货币和基于近场通信 (NFC) 的支付等催化剂导致该国经常出现新的个人对个人 (P2P) 支付提供商。快速的技术创新正在推动行业的快速变化。
  • 金融科技领域对利用先进技术和新商业模式的兴趣日益浓厚,例如与使用移动应用程序的开放 API 兼容的实时支付系统,正在促进市场增长。根据 Finastra 的研究,2021 年,Baas(银行即服务)预计在未来三年内增长 25%,为嵌入系统的用户提供各种功能,例如实时支付、零售银行业务等。市场上 86% 的参与者计划采用开放 API 并提供银行功能。
  • 现代经济严重依赖实时支付来推动经济增长、繁荣和金融包容性,世界各国政府已成为这些系统的主要推动者。然而,在接下来的几年里,将由个别金融机构来利用这些新的支付轨道所带来的机会来塑造支付的未来。2021年,美国、加拿大、英国、法国、德国前五位发达国家的GDP约为73亿美元,相当于五国GDP总额的0.02%, 5 国 70,464 人,据说相当于 2026 年 140 亿美元的 5 国 GDP 总额的 0.04%,相当于 5 国 118,989 名工人的生产(Cebr(经济与经济研究中心)商业研究)报告)。
  • 近年来,实时支付采用的关键驱动因素之一是企业和消费者日常生活的一系列变化。实时生活以及支付和工作文化向数字世界的转变已经开始。然而,在 2021 年之后,COVID-19 大流行将数字支付的采用加速到了新的水平。实时定价为企业和消费者提供了一种更快、更便宜、更有效的方式来进行嵌入在非金融数字应用程序和服务中的金融交易,使当今的客户能够创造一种超连接、无摩擦的客户体验。我正在寻找
  • 自 COVID-19 以来,实时支付市场已经扩大,但随着这一变化,全球经济需要进行强有力的监管改革,以避免金融犯罪。例如,当前的银行结构仍然缺乏最佳资源来全面实施和优化需要引入 ISO 20022 和 SWIFT Corporate Access 等全球标准的实时支付基础设施,而新的支付基础设施适应成本和网络攻击是其中的一部分。当今市场面临的挑战。

主要市场趋势

P2B细分市场推动市场

  • 该市场在 2021 财年受到 P2B 细分市场的推动,约占全球销售份额的 68%。P2B 支付是指企业与客户之间的货币交易。移动交易和电子商务不可阻挡的增长是推动该行业发展的关键因素。
  • 预计在线购物和电子商务的持续增长将推动该行业的发展。P2B 支付使企业能够提高客户满意度。随着监管改革的变化,P2B 机制正在加快步伐。在线和店内账单支付有望实现下一波大规模支付,以保持实时成本比信用卡便宜。
  • 例如,以 Vipps(挪威)和 MobilePay(丹麦、芬兰)为代表的北欧国家正在进行迁移。两者都在商店中使用,并且二维码与银行账户相关联。P27 北欧支付计划对于希望在这些以无现金经济体为主的经济体中减少信用卡费用支出的商家特别有利。
  • 零工经济是劳动力市场的暂时特征。构成即时劳动力的工作示例包括送餐服务、叫车服务(如优步和 Bolt)、房屋保姆和遛狗者。实时支付对零工经济工作者来说是一个巨大的好处。因为工人可以快速获得报酬,他们可以更好地进行财务规划,而不必担心与现金相关的交易。
  • 基于云的实时支付解决方案的趋势可归因于为零售商提供了提供实时支付洞察力的灵活性。此外,预计全球大型零售商越来越多地采用数字支付也将有助于预测期内的市场扩张。

亚太地区有望成为增长最快的市场

  • 新兴经济体实时交易的预期增长将是将市场提升到新水平的关键,印度等国家引领潮流,超过发达经济体。世界各地启用实时支付方式的政府正在通过为企业和消费者提供更快、更便宜和更高效的支付方式来推动繁荣和经济增长。
  • 根据(CEBR)经济和商业研究中心的数据,印度在全球企业中的实时支付量最高,到 2021 年,超过 40% 的此类支付来自印度。到 2021 年,印度将实现 486 亿次实时支付,约为中国的 2.6 倍,中国以 185 亿次实时支付位居第二。
  • 根据经济与商业研究中心(CEBR)的数据,到 2021 年,实时支付将为企业和消费者带来 153.97 亿美元的净收益,占所有交易的 5.7%。按照目前中国实时支付渗透率,2021年即时支付将减少浮动时间,每天解锁1708亿美元的交易量。预计该营运资金将在同年产生 124.11 亿美元的业务产出。
  • 在香港,2021 年实时支付的份额为 7.3%,预计 2026 年将增长两倍(22.8%)。由于实时支付的广泛采用,消费者和企业的利润预计将在 2026 年达到 2.6 亿美元。使用实时支付的宏观经济影响预计在 2021 年将达到 3.38 亿美元的经济产出(占官方 GDP 的 0.09%),相当于 3,355 名工人的产出。
  • 去年,印度尼西亚于 2021 年 12 月下旬启动了 BI-FAST 系统,并于 2022 年开始全面运行。因此,实时支付在 2021 年不会对经济产生影响。然而,随着实时支付的全面引入,预计 2021 年印尼消费者和企业可实现的最大收益将达到 166.12 亿美元,宏观经济预期经济产出约为 347.16 亿美元(GDP 2.9%)看法。

竞争格局

随着消费者偏好的快速变化,全球实时支付市场已成为一个高利润的选择,吸引了巨额投资。在巨大增长潜力的背景下,市场正被新进入者分散。服务提供商建立合作伙伴关係以推动产品创新。

  • 2022 年 4 月 - Fiserv 为金融机构推出 Appmarket。AppMarket 使 Fiserv 的金融机构客户能够访问精选的金融科技解决方案组合,以应对新兴的零工经济银行和加密金融机会。中小企业 (SMB) 贷款和其他优先事项。
  • 2021 年 12 月——印度尼西亚推出首个全国性实时支付网络 BI-FAST。该国中央银行敦促该国金融机构迅速采用和实施基础设施。到 2026 年,实时交易额将增至 16 亿美元,消费者和企业净节省 2.22 亿美元,为额外经济产出贡献 7.47 亿美元,相当于该国预计 GDP 的 0.05%。

其他福利

  • Excel 格式的市场预测 (ME) 表
  • 3 个月的分析师支持

目录

第 1 章 简介

  • 研究假设和市场定义
  • 调查范围

第二章研究方法论

第三章执行摘要

第四章市场洞察

  • 市场概况
  • 价值链分析
  • 产业吸引力——波特五力分析
    • 新进入者的威胁
    • 买方议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争
  • 评估 COVID-19 对市场的影响

第五章市场动态

  • 市场驱动力
    • 智能手机的普及率提高
    • 提高便利性
    • 减少对传统银行业务的依赖
  • 市场挑战
    • 付款欺诈
    • 对现有现金的依赖
  • 市场机会
    • 鼓励使用数字支付的政府政策预计将推动实时支付的增长。
  • 数字支付行业的领先法规和标准
  • 关键案例和用例分析
  • 按实际支付交易在总交易中的百分比和交易量的主要国家区域分析
  • 非现金交易中实际支付交易占比及主要国家地区交易量分析

第六章市场细分

  • 按付款方式
    • P2P
    • P2B
  • 按地区细分
    • 北美
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 西班牙
      • 瑞典
      • 芬兰
      • 欧洲其他地区
    • 亚太地区
      • 中国
      • 印度
      • 韩国
      • 泰国
      • 日本
      • 亚太其他地区
    • 拉丁美洲
      • 巴西
      • 阿根廷
      • 哥伦比亚
      • 墨西哥
      • 拉丁美洲其他地区
    • 中东/非洲
      • 阿拉伯联合酋长国
      • 南非共和国
      • 尼日利亚
      • 中东和非洲其他地区

第 7 章 竞争格局

  • 公司简介
    • ACI Worldwide Inc.
    • Fiserv Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • Montran Corporation
    • Temenos AG
    • Volante Technologies Inc.
    • Wirecard AG
    • FIS Global
    • Visa Inc.
    • Finastra

第八章投资分析

第九章 市场潜力

目录
Product Code: 66643

The Global Real-Time Payments Market is expected to register a CAGR of 33.5% during the forecast period. Real-time payments typically focus on low-value retail payment systems (RPS); they differ from real-time gross settlement systems (RTGS) and distributed ledger payment systems. In addition to meeting the demands and expectations, real-time payments have generated interest from regulators, competition authorities, and payment service providers. Regulators believe that instant payments will expand access to banking services, support economic growth, provide alternatives to Visa/Mastercard networks and reduce the use of cash and cheques.

Key Highlights

  • Smartphone adoption has reached 70% of the population in developed countries, while feature phones often replace cash and wallets in various developing economies. New domestic person-to-person (P2P) payment providers are coming forward regularly due to catalysts like social platforms, digital currencies, and near-field communication (NFC) based payments. Rapid technological change is driving rapid changes in the industry.
  • The increasing focus on using advanced technologies and new business models in the Fintech sector, like open API-enabled real-time payment systems using mobile applications, has contributed to market growth. As per a study by Finastra, in 2021, Baas (Banking as a Service) is expected to grow by 25 % over the next three years providing various features to users embedded in the system like real-time payment, retail banking, etc. and 86% players in the market are planning to adopt open APIs to enable available banking capabilities.
  • Modern economies depend highly on real-time payments to boost economic growth, prosperity, and financial inclusion, with governments worldwide as the primary enabler of these systems. Yet, in the coming years, shaping the future of payments will come down to the individual financial institutions that take advantage of the opportunities enabled by these new payment rails. In the world's top 5 developed economies USA, Canada, UK, France, and Germany, the Formal GDP Supported by Real-Time in 2021 is approximately USD 7.3 billion, equivalent to 0.02% of the combined GDP of the five countries, or the equal output of 70,464 workers across the five countries expected to reach USD 14.0 billion by 2026 equivalent to 0.04% of the combined GDP of the five countries, or the equivalent output of 118,989 workers across the five countries (As per the report by Cebr(centre for economics and business research)).
  • In recent years one of the important drivers of real-time payments adoption has been a series of transformations in the daily lives of businesses and consumers. The transition to real-time living and a digital world of payments and work culture was already underway. Still, since 2021, the COVID-19 pandemic has accelerated the adoption of digital payments to new levels. Real-time prices offer businesses and consumers faster, cheaper, and more efficient ways of making financial transactions embedded into non-financial digital apps and services, with today's customers looking for a hyper-connected, frictionless customer experience.
  • The real-time payment market has been increasing since covid 19; however, with the change, the world economies also need to create robust Regulatory reforms to avoid financial crimes. For Instance, the current banking structure still lags the optimal resources to fully implement and optimize the real-time payment infrastructure, which requires the adoption of global standards, such as ISO 20022 and SWIFT Corporate Access, in addition to the adaptation cost of new payment infrastructure and cyberattacks are some challenges the market has been facing in recent times.

Key Market Trends

P2B Segment Holds the Key to Drive the Market

  • The P2B segment has driven the market in FY 2021 and accounts for approximately 68% of the global revenue share. P2B payments refer to monetary transactions between ( To or From) businesses and customers. The unabated growth of mobile-based transactions and e-commerce is a key factor driving the development of the segment.
  • The continuous growth of online shopping and e-commerce sales is expected to drive the development of the segment. P2B payments allow businesses to improve customer satisfaction. The P2B structure has been picking up the pace with the change in regulatory reforms. Online and in-store bill payments promise the next wave of huge volumes needed to keep real-time costs cheaper than cards.
  • For instance, the ongoing transition in the Nordic countries, led by Vipps (Norway) and MobilePay (Denmark and Finland). Both are being used in-store, and QR codes are linked to bank accounts. The P27 Nordic, Payments scheme makes it more beneficial, especially for merchants looking to reduce their outgoings from card fees in these mostly cashless economies.
  • In the gig economy, the labour markets are characterized temporarily. Examples of jobs that comprise the (just-in-time workforce) include food delivery services, ride-hailing services (such as Uber or Bolt), house sitters, and dog walkers. Real-time payments make it big and beneficial to gig economy workers because workers are paid quickly, allowing them to better plan their finances without worrying about cash-related transactions.
  • The increasing trends for cloud-based real-time payment solutions can be attributed to their flexibility in providing real-time payment insights to retailers. The growing adoption of digital payment methods in big retail stores across the globe is anticipated to drive the market in the forecasted period.

Asia Pacific will be the Fastest Growing Market

  • Real-time transaction growth forecasts for emerging countries will be the key to taking the market to a new level, with countries like India leading the way and outpacing developed nations. Governments around the globe that enable real-time schemes are driving prosperity and economic growth by providing businesses and consumers with faster, cheaper, and more efficient payment methods.
  • As per the (CEBR) Centre for Economics and Business Research, India accounted for the highest volume of real-time payments among businesses globally, with over 40% of all such payments made through 2021 originating in the country. India made 48.6 billion real-time payments through 2021 - which is around 2.6 times higher than China, which is in second place with 18.5 billion real-time transactions.
  • According to the Centre for Economics and Business Research (CEBR), In 2021, net benefits for businesses and consumers of real-time payments hit USD 15,397 million, supported by real-time accounting for 5.7% of all transactions. Based on current real-time adoption levels in China, instant payments unlocked a total transaction value of USD 170,800 million per day in 2021 through a reduced float time. This working capital facilitated an estimated USD 12,411 million in business output in the same year.
  • In Hongkong real-time payments share was recorded at 7.3% in 2021, which is estimated to triple (22.8% by 2026). The strongly predicted real-time uptake will result in consumer and business benefits reaching USD 260 million in 2026. The macroeconomic benefits of using real-time payments were an estimated USD 338 million of economic output (0.09% of formal GDP) in 2021, equivalent to the output of 3,355 workers.
  • Indonesia last year launched its BI-FAST system late in December 2021, with its full launch in 2022. As a result, real-time payments will have no economic impact in 2021. However, the predicted maximum attainable benefit to Indonesian consumers and businesses from full adoption of real-time payments was estimated at USD 16,612 million for 2021, while expected macroeconomic gains of about an additional USD 34,716 million of economic output (2.9% of GDP) in the same year.

Competitive Landscape

With consumer preferences changing rapidly, the Global Real-Time Payments Market has become a lucrative option and, thus, has attracted huge investments. Due to the huge growth potential, the market is moving towards fragmentation due to the new entrants. The service providers are engaging in partnerships to promote product innovation.

  • April 2022 - Fiserv launched Appmarket for financial institutions, where they can access a curated set of fintech solutions to help them operate more efficiently, reach new customers, and compete more effectively.AppMarket will empower Fiserv financial institution clients and address emerging gig economy banking and crypto finance opportunities. Small and mid-size business (SMB) lending and other priorities.
  • December 2021 - Indonesia launched BI-FAST, its first nationwide real-time payments network. The country's central bank requests that the country's financial institutions rapidly adopt and implement the underlying infrastructure. With real-time transactions set to rise to USD 1.6 billion in 2026, net savings for consumers and businesses are forecast to climb to USD 222 million, helping to generate an additional USD 747 million of economic output, equivalent to 0.05 % of the country's forecasted GDP.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Threat of New Entrants
    • 4.3.2 Bargaining Power of Buyers
    • 4.3.3 Bargaining Power of Suppliers
    • 4.3.4 Threat of Substitutes
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Smartphone Penetration
    • 5.1.2 Ease of Convenience
    • 5.1.3 Falling Reliance on Traditional Banking
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud
    • 5.2.2 Existing Dependence on Cash
  • 5.3 Market Opportunities
    • 5.3.1 Government Policies Encouraging the Usage of Digital Payment is Expected to Aid the Growth of Real-Time Payment Methods
  • 5.4 Key Regulations and Standards in the Digital Payments Industry
  • 5.5 Analysis of Major Case Studies and Use-cases
  • 5.6 Analysis of Real Payments Transactions as a Share of all Transactions with a Regional Breakdown of Key Countries by Transaction Volume
  • 5.7 Analysis of Real Payments Transactions as a Share of Non-Cash Transactions with a Regional Breakdown of Key Countries by Transaction Volume

6 MARKET SEGMENTATION

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B
  • 6.2 By Geography
    • 6.2.1 North America
      • 6.2.1.1 United States
      • 6.2.1.2 Canada
    • 6.2.2 Europe
      • 6.2.2.1 United Kingdom
      • 6.2.2.2 Germany
      • 6.2.2.3 Spain
      • 6.2.2.4 Sweden
      • 6.2.2.5 Finland
      • 6.2.2.6 Rest of Europe
    • 6.2.3 Asia Pacific
      • 6.2.3.1 China
      • 6.2.3.2 India
      • 6.2.3.3 South Korea
      • 6.2.3.4 Thailand
      • 6.2.3.5 Japan
      • 6.2.3.6 Rest of Asia Pacific
    • 6.2.4 Latin America
      • 6.2.4.1 Brazil
      • 6.2.4.2 Argentina
      • 6.2.4.3 Colombia
      • 6.2.4.4 Mexico
      • 6.2.4.5 Rest of Latin America
    • 6.2.5 Middle East and Africa
      • 6.2.5.1 United Arab Emirates
      • 6.2.5.2 South Africa
      • 6.2.5.3 Nigeria
      • 6.2.5.4 Rest of Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 ACI Worldwide Inc.
    • 7.1.2 Fiserv Inc.
    • 7.1.3 Paypal Holdings Inc.
    • 7.1.4 Mastercard Inc.
    • 7.1.5 Montran Corporation
    • 7.1.6 Temenos AG
    • 7.1.7 Volante Technologies Inc.
    • 7.1.8 Wirecard AG
    • 7.1.9 FIS Global
    • 7.1.10 Visa Inc.
    • 7.1.11 Finastra

8 INVESTMENT ANALYSIS

9 FUTURE OF THE MARKET