查看购物车
  • Traditional Chinese
  • English
  • Japanese
  • Korean
封面
市场调查报告书
商品编码
1438396

支付即服务 - 市场占有率分析、产业趋势与统计、成长预测（2024 - 2029）

Payment as a Service - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

价格

※ 本网页内容可能与最新版本有所差异。详细情况请与我们联繫。

简介目录

支付即服务市场规模预计到 2024 年为 109.8 亿美元，预计到 2029 年将达到 444.4 亿美元，在预测期内（2024-2029 年）CAGR为 32.26%。

支付即服务 - 市场

在当前情况下，智慧型手机普及率的不断提高正在促进透过行动应用程式广泛销售商品和服务的成长，从而透过提供简单便捷的购物体验来帮助客户。对轻鬆便捷地购买商品和服务的需求的增长导致了向数位和无现金支付的彻底转变。电子商务业务的成长进一步提振了全球支付服务供应商市场。

主要亮点

  • 由于许多国家都在努力促进数位和线上交易，预计该业务将会增加。全球万事达卡、Visa 和 Rupay 等支付网路的出现也将有助于 PaaS 市场的扩张，以便为客户提供顺利的支付处理。
  • 对智慧型手机普及率和线上服务整合的需求不断增长。随着智慧型手机的使用和全球互联网的大规模普及，预计它将保持其在市场上的主导地位。此外，随着银行和金融机构提供即时支付服务，客户也越来越频繁地使用线上支付管道。因此，市场对线上支付的需求持续上升。
  • 支付行业经历了重大变革，只需点击一下即可将旧方法替换为新模组。此外，支付即服务 (PaaS) 不仅改变了零售商的情况。银行现在意识到 PaaS 使用的增加是为客户提供可靠选择的机会。因此，对电子商务（尤其是零售业）的日益依赖，推动了支付即服务市场的发展。
  • 跨国交易缺乏全球标准可能会限制市场。由于缺乏易于使用的全球支付系统、国际标准以及不同国家不同的政府规则，银行和企业可能会受到负面影响。这通常需要人工干预来收集和纠正资料。
  • 由于全球消费者越来越多地使用和采用线上和数位化支付方式，COVID-19 大流行对支付即服务业产生了重大影响。此外，随着消费者逐渐熟悉市场上的支付技术，支付即服务正经历大规模成长。然而，疫情过后，数位支付的采用率大幅上升，减少了现金携带和支付的趋势，而现金又成为支付即服务市场的主要成长因素之一。

支付即服务 (PAAS) 市场趋势

零售业预计将做出重要贡献

  • 由于电子商务行业的大幅成长，零售商正在迅速采用数位支付技术，为客户带来更便捷的体验。根据行动支付大会的数据，全球有 25 亿人更喜欢网上购物。到 2025 年，数位买家数量将增加至 40 亿。根据英国零售联盟 (BRC) 的数据，借记卡占所有交易的 42.6%，而现金则占 42.3%。据 UK Finance 称，英国 77% 的零售支出是透过银行卡支付的。
  • 商家越来越多地采用尖端技术来提高他们在市场上的影响力和知名度。例如，全球最大的零售商沃尔玛最近表示，店内购物将接受 PayPal 现金万事达卡。该商家希望整合支付提供者的服务，以便客户可以使用 PayPal 行动应用程式在沃尔玛门市提取现金并为帐户充值。
  • 此外，许多提供支付服务的公司正在扩大业务以提高市场占有率。例如，全球最广泛的线上零售商的线上支付系统Amazon Pay向当地零售商推出了「先买后付」功能。亚马逊已经在百货连锁店 Shoppers Stop 中推出了支付服务，该线上零售商拥有该连锁店 5% 的股份，并在杂货连锁店 More 中建立了必要的基础设施。
  • 数位支付的另一个显着好处是能够收集客户资料用于行销目的。这使得零售商能够在访问或购买后建立客户关係，并进一步努力争取和保留客户。

亚太地区将成为成长最快的地区

  • 由于该地区对综合支付解决方案的需求增加以及支付技术的进步，预计亚太地区将大幅成长。此外，该地区智慧型手机普及率和网路普及率的上升正在推动市场发展。
  • 日本、中国、澳洲、韩国和纽西兰等该地区国家对经济成长做出了巨大贡献。例如，亚洲支付网路（APN）是由中国、日本、新加坡、马来西亚、泰国、韩国、纽西兰、越南、印尼、菲律宾和澳洲等11个亚洲国家组成的组织，旨在促进跨境银行交易在该区域。
  • 许多小型零售商早期更依赖现金，但迅速部署数位支付以保持市场竞争力。例如，随着印度政府启动废钞计划，消费者被迫使用电子支付。
  • 各支付服务供应商也纷纷投资亚太地区，透过开拓不断成长的市场来拓展业务。例如，Infibeam 公司打算透过积极推广其旗舰品牌 CCAvenue 来扩大其在数位支付市场的全球影响力。CCAvenue 是印度数位支付网关基础设施提供商，年营业额达 470 亿美元。

支付即服务 (PAAS) 产业概述

由于有许多支付服务提供者，支付即服务市场竞争激烈且分散。市场参与者始终致力于开发创新产品。供应商越来越注重併购，以增加市场份额并获得市场吸引力。

  • 2022 年 11 月，领先企业首选的全球金融科技平台 Adyen 宣布北美领先的杂货技术公司 Instacart 已选择该公司作为额外的支付处理合作伙伴。
  • 2022 年 10 月，支付受理技术合作伙伴 Ingenico 与澳洲领先的支付服务供应商之一 Live Payments 建立了长期策略合作伙伴关係，为零售商和计程车提供无缝、便捷的支付和商务解决方案。 Ingenico 将在澳洲推出用于即时支付的 AXIUM 系列 Android 智慧 POS。

额外的好处：

  • Excel 格式的市场估算 (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
  • 研究范围

第 2 章：研究方法

第 3 章：执行摘要

第 4 章：市场动态

  • 市场概况
  • 市场驱动因素
    • 对智慧型手机渗透和线上服务整合的需求不断增加
    • 增加对电商平台的依赖
  • 市场限制
    • 缺乏全球支付标准
  • 产业价值链分析
  • 产业吸引力 - 波特五力分析
    • 供应商的议价能力
    • 买家/消费者的议价能力
    • 新进入者的威胁
    • 替代产品的威胁
    • 竞争激烈程度
  • COVID-19 对市场的影响

第 5 章：市场细分

  • 按服务类型
    • 商业融资
    • 监理合规性
    • 安全和诈欺保护
    • 支付应用程式和网关
    • 其他服务
  • 按最终用户产业
    • 零售及电子商务
    • BFSI
    • 款待
    • 媒体与娱乐
    • 其他最终用户产业
  • 按地理
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 法国
      • 欧洲其他地区
    • 亚太
      • 中国
      • 日本
      • 韩国
      • 澳洲
      • 亚太其他地区
    • 拉丁美洲
      • 墨西哥
      • 巴西
      • 拉丁美洲其他地区
    • 中东和非洲
      • 阿拉伯聯合大公国
      • 沙乌地阿拉伯
      • 中东和非洲其他地区

第 6 章：竞争格局

  • 公司简介
    • FIS
    • Thales Group
    • Ingenico Group
    • Agilysys Inc.
    • Paysafe Holdings UK Limited
    • Total System Services Inc.
    • Mastercard
    • PayPal Holdings Inc.
    • Verifone
    • Pineapple Payments

第 7 章：投资分析

第 8 章：市场机会与未来趋势

简介目录
Product Code: 66524

The Payment as a Service Market size is estimated at USD 10.98 billion in 2024, and is expected to reach USD 44.44 billion by 2029, growing at a CAGR of 32.26% during the forecast period (2024-2029).

Payment as a Service - Market

In the current scenario, the increasing smartphone penetration is proliferating the growth of the sale of goods and services extensively through mobile apps to assist customers by providing an easy and convenient shopping experience. The rise in demand for easy and convenient purchases of goods and services resulted in a radical shift toward digital and cashless payments. The increase in e-commerce business further boosts the global payment service provider market.

Key Highlights

  • The business is anticipated to increase due to efforts being made in numerous nations to promote digital and online transactions. The expansion of the PaaS market is also expected to be aided by the advent of payment networks like Mastercard, Visa, and Rupay on a global scale for the processing of smooth payments for clients.
  • The increased demand for smartphone penetration and the incorporation of online services is experiencing continuous growth. It is expected to maintain its dominance in the market with an increase in emphasis on smartphone usage and massive internet penetration across the world. In addition, customers are using online payment channels more frequently as banks and financial institutions provide real-time payment services. Therefore, demand for online payments is experiencing a continuous rise in the market.
  • The payment industry has experienced a significant transformation, and the old methods are replaced with new modules with a single click. Moreover, payment as a service (PaaS) is not only changing the scene for retailers. Banks are now realizing that the rise in PaaS use is an opportunity to give their clients a reliable choice. Thus, the increasing dependence on e-commerce, especially in retail, drives the payment as a service market.
  • The absence of a global standard for cross-border transactions could restrain the market. Due to the lack of a worldwide payment system that is simple to use, international standards, and differing government rules in different countries, banks and businesses may be negatively impacted. This frequently necessitates manual intervention to gather and correct data.
  • The COVID-19 pandemic has significantly impacted the payment as a service industry, owing to the increased usage and adoption of online and digitalized payment methods among consumers globally. Additionally, payment as a service is experiencing massive growth as consumers become familiar with the payment technology in the market. However, post-pandemic, there was a significant rise in the adoption of digital payments, reducing the trend of carrying and paying through cash which, in turn, has become one of the primary growth factors for the payment as a service market.

Payment as a Service (PAAS) Market Trends

Retail Sector Expected to be a Significant Contributor

  • Retailers are rapidly adopting digital payment technology to bring more convenient experiences to their customers, owing to the massive growth in the e-commerce industry. According to the Mobile Payments Conference, 2.5 billion people worldwide prefer online shopping. By 2025, the number will grow to 4 billion digital buyers. According to the British Retail Consortium (BRC), debit cards account for 42.6% of all transactions, whereas cash is 42.3%. According to UK Finance, 77% of all UK retail spending was made by cards.
  • Merchants are increasingly implementing cutting-edge technologies to boost their presence and visibility in the market. For instance, the biggest retailer in the world, Walmart, recently said that PayPal Cash Mastercard would be accepted for in-store purchases. The merchant wants to incorporate the payment provider's service so that customers can use the PayPal mobile app to withdraw cash and top up their accounts at Walmart locations.
  • In addition, many companies that offer payment services are growing their operations to boost their market presence. For instance, the world's most extensive online retailer's online payment system, Amazon Pay, rolled out "buy now pay later" capabilities to local retailers. Amazon has already introduced the payments service in the department store chain Shoppers Stop, in which the online retailer owns a 5% stake and sets up the necessary infrastructure at the grocery chain More.
  • Another significant benefit of digital payment is the ability to collect customer data for marketing purposes. This enables retailers to build customer relationships after their visit or purchase and further work toward customer acquisition and retention.

Asia-Pacific to be the Fastest Growing Region

  • The Asia-Pacific region is expected to depict substantial growth owing to the increased demand for integrated payment solutions and advancements in payment technologies in the region. Furthermore, the rise in the penetration of smartphones and internet penetration in the region is propelling the market.
  • Countries in the region, such as Japan, China, Australia, South Korea, and New Zealand, contribute significantly toward the growth. For instance, the Asian Payments Network (APN) is a group of 11 Asian countries that include China, Japan, Singapore, Malaysia, Thailand, South Korea, New Zealand, Vietnam, Indonesia, Philippines, and Australia to promote cross-border banking transactions in the region.
  • Many small retailers earlier relied more on cash but rapidly deployed digital payments to remain competitive in the market. For instance, as the Indian government launched a demonetization program, consumers were forced to use electronic payments.
  • Various payment service providers also invest in the Asia-Pacific region to expand their businesses by tapping the growing market. For instance, the firm Infibeam intends to expand its global presence in the digital payments market by aggressively promoting its flagship brand CCAvenue, a provider of digital payment gateway infrastructure in India with an annual run-rate of USD 47 billion.

Payment as a Service (PAAS) Industry Overview

The payment as a service market is highly competitive and fragmented, owing to the presence of many payment service providers. The market players are consistently focusing on developing innovative products. The vendors increasingly focus on mergers and acquisitions to increase market share and gain market traction.

  • In November 2022, Adyen, the global financial technology platform of choice for leading businesses, announced that Instacart, the leading grocery technology company in North America, has selected the company as an additional payments processing partner.
  • In October 2022, Ingenico, the technological partner in payments acceptance, and Live Payments, one of Australia's leading payment service providers, entered a long-term strategic partnership to equip retailers and taxis with seamless, convenient payment and commerce solutions. Ingenico will roll out its AXIUM range of Android Smart POS for Live Payments across Australia.

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 DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Increased Demand for Smartphone Penetration and Incorporation of Online Services
    • 4.2.2 Increase Dependence on E-Commerce Platform
  • 4.3 Market Restraints
    • 4.3.1 Absence of Global Standards for Payments
  • 4.4 Industry Value Chain Analysis
  • 4.5 Industry Attractiveness - Porter's Five Force Analysis
    • 4.5.1 Bargaining Power of Suppliers
    • 4.5.2 Bargaining Power of Buyers/Consumers
    • 4.5.3 Threat of New Entrants
    • 4.5.4 Threat of Substitute Products
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Types of Services
    • 5.1.1 Merchant Financing
    • 5.1.2 Regulatory Compliance
    • 5.1.3 Security and Fraud Protection
    • 5.1.4 Payment Applications and Gateways
    • 5.1.5 Other Services
  • 5.2 By End-user Industry
    • 5.2.1 Retail and E-commerce
    • 5.2.2 BFSI
    • 5.2.3 Hospitality
    • 5.2.4 Media and Entertainment
    • 5.2.5 Other End-user Industries
  • 5.3 By Geography
    • 5.3.1 North America
      • 5.3.1.1 United States
      • 5.3.1.2 Canada
    • 5.3.2 Europe
      • 5.3.2.1 United Kingdom
      • 5.3.2.2 Germany
      • 5.3.2.3 France
      • 5.3.2.4 Rest of Europe
    • 5.3.3 Asia-Pacific
      • 5.3.3.1 China
      • 5.3.3.2 Japan
      • 5.3.3.3 South Korea
      • 5.3.3.4 Australia
      • 5.3.3.5 Rest of Asia-Pacific
    • 5.3.4 Latin America
      • 5.3.4.1 Mexico
      • 5.3.4.2 Brazil
      • 5.3.4.3 Rest of Latin America
    • 5.3.5 Middle East and Africa
      • 5.3.5.1 United Arab Emirates
      • 5.3.5.2 Saudi Arabia
      • 5.3.5.3 Rest of Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 FIS
    • 6.1.2 Thales Group
    • 6.1.3 Ingenico Group
    • 6.1.4 Agilysys Inc.
    • 6.1.5 Paysafe Holdings UK Limited
    • 6.1.6 Total System Services Inc.
    • 6.1.7 Mastercard
    • 6.1.8 PayPal Holdings Inc.
    • 6.1.9 Verifone
    • 6.1.10 Pineapple Payments

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS