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支付卡行动支付

市场调查报告书

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1445755

日本即时支付 - 市场占有率分析、产业趋势与统计、成长预测（2024 - 2029）

Japan Real Time Payment - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)

出版日期: 2024年02月15日 | 出版商:

Mordor Intelligence | 英文 110 Pages | 商品交期: 2-3个工作天内

价格

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简介目录

日本即时支付市场规模预计到 2024 年为 20.4 亿美元，预计到 2029 年将达到 84.4 亿美元，在预测期内（2024-2029 年）CAGR为 32.76%。

由于消费者越来越多地采用速度和便利性，以及创新和监管支援的支付解决方案不断从现金转向，即时支付系统正在激增。

主要亮点

智慧型设备的日益普及和线上零售商务的蓬勃发展推动了即时支付在该国的快速采用。此外，即时支付浪潮的兴起反映了消费者对即时交易的需求不断增长，这是由于智慧型手机和其他连接设备的普及而推动的，这刺激了消费者对即时性的期望。
日本政府的多项倡议，包括财政激励、标准化和基础设施发展，也促进了即时支付市场的成长。例如，政府计划透过数位平台推出工资平台，这可能会进一步促进消费者的采用。此外，政府也制定了到 2025 年将无现金支付比例从约 20% 增加到约 40% 的目标。
然而，人们对现金（传统方法）的较大依赖、实施成本以及消费者需求较低（因为他们更喜欢传统支付系统）是挑战日本即时支付市场成长的因素。
一些市场参与者正在扩大其在该国的即时支付系统的供应。 2022年12月，Adyen在日本推出统一商务解决方案，提供连结不同线上、线下销售管道的支付平台。供应商的此类推出预计将在预测期内推动市场成长。
COVID-19大流行的爆发极大地影响了即时支付市场。随着国家对数位转型的重视和先进的技术基础设施，即时支付解决方案得到了广泛采用。此外，疫情加速了无现金支付方式的趋势，导致行动支付解决方案和电子钱包的更多使用。随着公司竞相提供更方便、更安全的解决方案，这也有助于刺激即时支付产业的创新。

日本即时支付市场趋势

数位支付的采用将推动市场

数位支付已被广泛采用，并且在该国越来越受欢迎。最常用的数位支付方式包括二维码支付、行动支付、非接触式卡片支付等。这种采用是由数位支付平台提供的便利性和更高的安全性所推动的。
数位支付透过多种方式提供快速高效的支付基础设施，包括即时转帐、即时处理、轻鬆对帐以及方便的用户访问，从而有助于促进即时支付。根据 FIS 的数据，2021 年日本销售点现金支付份额年减 15%，而前一年则较去年同期下降 7.8%。消费者选择数位支付以避免在疫情期间接触货币。
日本政府表示，预计到 2025 年，无现金交易将占日本所有交易的至少 40%，比 2021 年增长 20% 左右。它认为，扩大数位支付将促进该国旅游业并刺激金融部门创新。这最终将导致对即时支付的更大需求。
此外，日本政府计划在 2023 年春季之前推出一个企业无需透过银行帐户即可数位化支付薪资的系统，30% 的企业正在考虑实施该系统。这些倡议进一步支持了即时支付市场的成长。
日本的年轻人口正在成为消费经济的重要组成部分，并要求改变数位化以适应他们对科技友善的习惯。此外，透过给予消费者奖励和现金回扣来推动数位支付采用的大规模政治努力可能会增加日本数位支付的采用。

智慧型手机渗透率的提高推动市场发展

日本智慧型手机普及率的提高在行动支付、行动银行、增加可访问性和改善用户体验等各种方式的即时支付成长中发挥关键作用。它透过使消费者更容易获得和方便的数位支付方式来促进市场成长。
在日本，到 2021 年，约 92% 的 30 岁至 39 岁的人将使用智慧型手机上网。在 20 多岁的人中，这一比例略低。根据总务省的数据，80 岁及以上的老年人中只有 12.1% 使用手机上网（日本）。
日本总务省 2021 年 9 月进行的一项调查显示，个人资讯或浏览器历史记录外洩是迄今为止日本受访者在使用网路时感到不安全的最常见原因，超过90%的人都提到过。继隐私问题之后，电脑病毒攻击和虚假帐单或诈欺也随之而来。
此外，调查也显示，大多数日本人在使用网路时感到焦虑，而老一辈更容易有这种感觉。预计这种趋势将阻碍日本各人口群体的即时支付市场的成长。洩漏个人资讯也会影响年轻人的支付习惯。
随着智慧型手机的普及增加了该国商品和服务的买卖，行动商务的成长也促进了市场的成长。根据行动内容论坛的数据，截至 2021 年，日本行动商务市场规模达到约 4.9 兆日圆。

日本即时支付产业概况

由于市场上有许多参与者，日本即时支付市场较为分散。由于客户口味的快速变化，该市场已成为一个有吸引力的选择，吸引了大量的投资。由于巨大的成长潜力，服务提供者正在实施扩张、合作、协议、收购等策略性措施。

2022 年 8 月，任务关键型即时支付软体的全球领导者 ACI Worldwide 宣布与日本领先的中央国内支付网路 Japan Card Network, Inc. (CARDNET) 达成协议，以实现其数位支付基础设施的现代化。该协议将使 ACI 与 CARDNET 合作，为 CARDNET 的客户提供最新的数位支付技术和下一代解决方案。

2022 年 3 月，全球支付服务领导者 Worldline 宣布进入日本，将为日本各地的零售商处理信用卡付款。日本是一个经济成熟、非常安全、消费习惯保守的国家，卡支付发展潜力大。此外，2022 年 3 月，Worldline 将业务扩展到日本，目前为当地企业提供信用卡支付处理服务。为了在日本实现成长，这家法国支付供应商与当地支付解决方案和网路服务供应商 (NSP) Vesca 合作。 Vesca 将作为该国的技术推动者，充当 Worldline 的接受层。 Worldline 计划于 2022 年初推出其服务。这些服务将包括信用卡获取以及销售点卡受理和处理。据该公司称，该公司希望在接下来的几个月内提高其电子商务能力。

额外的好处：

Excel 格式的市场估算 (ME) 表
3 个月的分析师支持

市场驱动因素
- 智慧型手机普及率提高
- 政府措施正在加速即时支付解决方案的采用
市场挑战
- 支付安全相关问题
- 现有对现金的依赖
市场机会
- 鼓励数位支付成长的政府政策变化
数位支付产业的主要法规和标准
- 全球监管格局
- 具有潜在监管障碍的商业模式
- 发展空间取代不断变化的商业格局
主要案例研究和用例分析

第 6 章：市场细分

按付款方式
- 对等
- 点对点

第 7 章：竞争格局

ACI Worldwide Inc.
Fiserv Inc.
Paypal Holdings Inc.
Mastercard Inc.
FIS Global
VISA Inc.
Apple Inc.
Alipay (Ant Financial)
SIA SpA
Finastra

第 8 章：投资分析

第 9 章：市场的未来

简介目录

Product Code: 91185

The Japan Real Time Payment Market size is estimated at USD 2.04 billion in 2024, and is expected to reach USD 8.44 billion by 2029, growing at a CAGR of 32.76% during the forecast period (2024-2029).

Real-time payment systems were proliferating due to increased consumer adoption for speed and convenience and the continued shift away from cash with payment solutions enabled by innovation and regulation.

Key Highlights

The growing adoption of smart devices and booming online retail commerce drive the rapid adoption of real-time payments in the country. Also, the rising tide of real-time payments reflects growing consumer demand for real-time transactions, driven due to the ubiquity of smartphones and other connected devices, which have catalyzed consumer expectations for immediacy.
Several initiatives by the Japanese government, including financial incentives, standardization, and infrastructure development, are also adding growth to the real-time payment market. For instance, the government is planning to introduce a platform for wages through a digital platform which could further contribute to the adoption among consumers. Also, the government has set a target of growing cashless payments to around 40% of all transactions by 2025, up from approximately 20%.
However, the larger dependence of the population on cash (traditional method), cost of implementation, and low consumer demand as they prefer traditional payment systems are the factors challenging the growth of the real-time payment market in Japan.
Several market players are expanding their offering of real-time payment systems in the country. In December 2022, Adyen launched its unified commerce solution in Japan to provide a payment platform that connects different online and offline sales channels. Such introductions from the vendors are expected to fuel the market growth during the forecast period.
The outbreak of the COVID-19 pandemic greatly impacted the real-time payment market. With the country's focus on digital transformation and its advanced technology infrastructure, real-time payment solutions had widespread adoption. Additionally, the pandemic accelerated the trend toward cashless payment methods, leading to greater use of mobile payment solutions and e-wallets. This also helped spur innovation in the real-time payment industry as companies compete to offer more convenient and secure solutions.

Japan Real-Time Payment Market Trends

Digital Payment Adoption Will Drive the Market

Digital payments have been widely adopted and are growing in popularity in the country. Mostly used digital payment methods include QR code payments, mobile payments, contactless card payments, and others. This adoption is driven by the convenience and increased security offered by digital payment platforms.
Digital payments are helping to facilitate real-time payments by providing a fast and efficient payment infrastructure in various ways, including instant transfer, real-time processing, easy reconciliation, and convenient access to the users. According to FIS, Japan's share of cash point-of-sale payments fell 15% yearly (YoY) in 2021, compared to a 7.8% YoY reduction the year before. Consumers have opted for digital payments to avoid touching currency during the pandemic.
According to the government of Japan, cashless transactions are expected to account for at least 40% of all transactions in Japan by 2025, up around 20% from 2021. It believes that expanding digital payments will boost tourism and stimulate financial sector innovation in the country. This will eventually lead to a greater demand for real-time payments.
Furthermore, the Japanese government is planning to introduce a system for companies to pay salaries digitally without going through bank accounts by spring 2023, and 30% of companies are considering implementing this system. Such initiatives are further supporting the growth of the real-time payment market.
The younger population in Japan is becoming a significant part of the consumer economy and demanding a change to digital to match their technology-friendly habits. Also, massive political efforts to bring digital payment adoption by giving consumer rewards and cash rebates are likely to grow the adoption of digital payments in Japan.

Increased Smartphone Penetration to drive the Market

Increasing smartphone penetration in Japan is playing a key role in the growth of real-time payments in various ways, such as mobile payments, mobile banking, increased accessibility, and improved user experience. It is contributing to market growth by making digital payment methods more accessible and convenient for consumers.
In Japan, about 92% of persons aged 30 to 39 will use smartphones to access the internet in 2021. In the case of those in their twenties, the percentage was slightly lower. According to the Ministry of Internal Affairs and Communications, only 12.1% of those aged 80 and older used cell phones to access the internet (Japan).
According to a survey conducted by the Ministry of Internal Affairs and Communications (Japan) in September 2021, a leak of one's personal information or browser history was by far the most common reason for Japanese respondents to feel insecure when using the internet, with more than 90% mentioning it. Computer virus attacks and fake billings or frauds followed privacy concerns.
Furthermore, the survey revealed that most people in Japan feel anxious when using the internet, with the older generations having a higher tendency to feel this way. Such trends are expected to hamper the growth of the real-time payments market in every demography of the Japanese population. Leaking personal information is something that can also impact the payments habit of the younger population.
The growth of M-commerce is also contributing to the market growth as the smartphone penetration increased the buying and selling of goods and services in the country. According to the Mobile Content Forum, the m-commerce market size in Japan reached around JPY 4.9 trillion as of 2021.

Japan Real-Time Payment Industry Overview

The Japanese real-time payment market is fragmented due to the presence of many players operating in the market. The market has become an attractive choice due to rapidly changing customer tastes, attracting considerable investment. Because of the immense potential growth, service providers are undergoing strategic initiatives such as expansion, partnership, agreement, acquisitions, etc.

In August 2022, ACI Worldwide, the global leader in mission-critical, real-time payments software, announced an agreement with Japan's leading central domestic payment network, Japan Card Network, Inc., CARDNET, to modernize its digital payments infrastructure. The agreement would see ACI work with CARDNET to provide the latest digital payments technology and next-generation solutions to CARDNET's customers.

In March 2022, Worldline, a global leader in payments services, announced its entrance into Japan, where it will handle credit card payments for retailers across the country. Japan has large development potential for card payments because it is an economically mature, very secure nation with conservative consumer habits. Also, in March 2022, Worldline expanded its business into Japan, where it now provides credit card payment processing to local businesses. For its growth in Japan, the French payment provider teamed with local payment solutions and network service provider (NSP) Vesca. Vesca will serve as a technical enabler in the country, acting as Worldline's acceptance layer. Worldline intends to launch its service in early 2022. These services will comprise credit card acquisition and point-of-sale card acceptance and processing. According to the corporation, the company wants to increase its e-commerce capabilities in the following months.

Additional Benefits:

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

1 INTRODUCTION

1.1 Study Assumptions and Market Definitions
1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

4.1 Market Overview
4.2 Industry Attractiveness- Porter's Five Forces Analysis
- 4.2.1 Bargaining Power of Suppliers
- 4.2.2 Bargaining Power of Buyers/Consumers
- 4.2.3 Threat of New Entrants
- 4.2.4 Threat of Substitute Products
- 4.2.5 Intensity of Competitive Rivalry
4.3 Evolution of the Payments Landscape in the Country
4.4 Key Market Trends Pertaining to the Growth of Cashless Transaction in the Region
4.5 Assessment of Impact of COVID-19 on the Market

5 MARKET DYNAMICS

5.1 Market Drivers
- 5.1.1 Increased Smartphone Penetration
- 5.1.2 Government Initiatives are Accelerating the Adoption of Real-Time Payment Solutions
5.2 Market Challenges
- 5.2.1 Payment Security Related Concerns
- 5.2.2 Existing Dependence on Cash
5.3 Market Opportunities
- 5.3.1 Changes in Government Policies Encouraging the Growth of Digital Payments
5.4 Key Regulations and Standards in the Digital Payments Industry
- 5.4.1 Regulatory Landscape Across the World
- 5.4.2 Business Models with Potential Regulatory Roadblocks
- 5.4.3 Scope for Development in Lieu of Evolving Business Landscape
5.5 Analysis of Major Case Studies and Use-Cases