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市场调查报告书
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1635344

德国即时付款：市场占有率分析、行业趋势和成长预测（2025-2030）

Germany Real Time Payments - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 199 Pages | 商品交期: 2-3个工作天内

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简介目录

德国即时付款市场预计在预测期内复合年增长率为31.5%

德国即时支付-市场-IMG1

主要亮点

  • 非银行付款服务供应商(PSP) 和银行开发的新型付款技术的兴起为企业和消费者提供了多种付款方式。随着技术的进步，这些设施正在利用先进的 API、人工智慧和行动银行解决方案的力量来重塑金融科技世界。
  • 即时付款被誉为游戏规则的改变者，它将把喜爱现金的德国人转向数位付款。 SCT Inst 消除了与信用卡相关的负面文化形象。 FSI资料显示，许多中小型银行正在选择透过付款技术服务供应商为消费者提供即时付款模式的交易服务和解决方案。预计到 2027 年，德国的即时付款将占所有零售付款交易的 37%。
  • 随着欧元区最近的监管改革，德国正经历重大变革。许多领先的公司都希望利用这个机会将自己打造成商业和金融科技解决方案提供者。例如，单一欧元付款区（SEPA）的建立、付款服务指令（PSD2）以及欧洲零售付款委员会（ERPB）的建立正在推动市场成长。
  • COVID-19大流行引发了数位转型，并成为经济「创新加速器」。市场已经在经历重大转型，市场参与企业将注意力转向电子商务，更多地在线上购物。疫情的加剧以及封锁和非接触式付款等监管变化使该行业受益。同时，诸如保险作为附加服务的功能，特别是买家保护（例如 PayPal 和信用卡提供者提供的功能）也出现了。福利和特别优惠的现金回馈积分对一些参与者有吸引力。
  • 即时付款解决方案为消费者和企业提供了即时获取资金的便利性以及一键转移资金的便利，但它们也增加了实施新付款基础设施、与付款相关的金融犯罪、还有该行业自诞生以来一直面临的与技术故障、网路攻击等相关的挑战。

德国即时付款市场趋势

P2B 细分市场占据主要市场份额

  • 根据 ACI Worldwide 发布的一份报告，浮动付款是存入银行帐户但尚未付款的存款。德国的企业和消费者目前即时付款更为普遍，预计由于付款浮动时间的减少，到 2021 年将实现 3.13 亿美元的效率提升。即时支付的引入将缩短德国的浮动时间，并在 2021 年将每天的总交易量减少 48.23 亿美元。这项营运资金全年为公司生产带来了约 1.14 亿美元的收入。
  • 最近，EPC（欧洲付款委员会）于 2022 年 6 月宣布了 P2B 交易 QR 码（行动主导（SEPA）付款）标准化的最终版本，规范了即时信用转帐（SCT）付款和汇款的需求。
  • 根据德意志联邦银行的研究，截至年终，德国四分之三的签帐金融卡付款（73%）是使用 NFC 技术进行非接触式支付。德国有超过 1 亿张卡片在流通。该系统由德国银行业运营，独立于Visa和Mastercard等国际信用卡公司，预计这将在不久的将来让德国在即时付款方面占据优势。
  • 即时付款市场正在发生重大变化，新参与企业的采用成为推动德国即时支付市场的关键因素。 N26 银行是该地区最早提供即时付款解决方案的组织之一，这些系统的关键在于新的数位银行应用程式介面 (API)。
  • 最近，德国储蓄银行推出了一项新功能，允许客户以即时付款方式进行交易。不过，这项新功能仅在收款银行也支援即时付款的情况下才有效。随着技术的进步和即时付款模式在该地区的适应速度，德国越来越多的金融机构已经加入了该技术的早期采用者行列，这已成为推动德国即时付款市场的关键因素。

电子商务是推动市场的关键

  • 自大流行以来，德国的电子商务业务成长迅速，即使在冠状病毒爆发期间，整个全部区域的销售额也在成长。例如，Postnord发布的2021年电子商务业务报告发现，约94%的人口使用网路购物，相当于6,210万消费者。该报告还表明，在德国，大多数 B2C 公司更喜欢透过 Paypal、Apple Pay 和 Google Pay 等供应商进行即时付款。
  • Postnord 最近的一项研究还将德国列为欧洲人网上购物第四受欢迎的国家（按每个国家（中国、美国、英国）都有数百万人购物）。这约占所有欧洲消费者的 26%。调查还表明，该地区首选的付款闸道是 PayPal 或类似的支付方式，占 50%，其次是申请，占 21%，签帐金融卡或信用卡占 17%。
  • 根据已发布的报告（2021年欧洲电子商务报告），德国96%的总人口可以上网，其中88%的人在网路上购买商品和服务。
  • 全球大流行改变了整个营商环境。对即时交易日益增长的需求推动了各行业对增强型数位付款解决方案的需求。情境商务正在兴起，使工人、商人、客户和供应商能够采用适合他们 24/7 生活方式的更快的经营方式。
  • 德国的新技术改革和监管发展使即时付款系统市场变得异质。其主要原因是数位化的提高、客户行为的变化以及 PSD2 法规的出现，该法规引入了 NFC 和 QR 码等技术。

德国即时付款产业概况

快速变化的消费者偏好使这个市场成为利润丰厚的选择，因此吸引了大量投资。具有巨大的成长潜力，但由于新进入者，市场正走向分散化。服务供应商正在伙伴关係推动产品创新。

  • 2022 年 6 月 - 德国数位付款处理公司 ePay 和 Euronet Worldwide 宣布推出更多产品。 ePay 提供一系列付款解决方案，包括商业奖励、礼品卡、全通路商务电子商务、卡受理和行动。这些服务包括 POS、端对端 ATM、卡片外包解决方案、发卡、商家收单服务等。
  • 2022 年 5 月 - 跨国汇款产业主要企业Euronet Worldwide, Inc. 的子公司 Ria Money Transfer 宣布与总部位于瑞典的国际电话服务供应商Rebtel 建立新的合作伙伴关係。此次合作将 Ria 的国际汇款服务直接整合到 Rebtel 的数位平台中，让 Rebtel 客户能够轻鬆便捷地向世界各地的亲人汇款。 Ria 为 170 个国家和地区的银行帐户、行动钱包和现金提供付款，并由 Euronet 的 Dandelion 服务（全球最大的即时国际付款网路）提供支援。对于希望进入金融科技领域的通讯业者来说，纳入汇款功能代表着独特的成长机会。
  • 2021 年 6 月－德意志银行与 Fiserv 成立合资企业，为商家提供付款解决方案。该合资企业将 Clover 的付款受理解决方案与德意志银行的综合银行服务结合。该合资企业将为中小企业（SME）提供服务，总部位于美因河畔法兰克福，尚待监管部门核准。

其他好处

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

目录

第一章简介

  • 研究假设和市场定义
  • 调查范围

第二章调查方法

第三章执行摘要

第四章市场洞察

  • 市场概况
  • 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
    • 替代品的威胁
    • 竞争公司之间敌对关係的强度
  • 国内付款环境的演变
  • 与日本无现金交易扩张相关的主要市场趋势
  • COVID-19 对国家付款市场的影响

第五章市场动态

  • 市场驱动因素
    • 智慧型手机的普及
    • 减少对传统银行业务的依赖
    • 提高便利性
  • 市场问题
    • 付款诈骗
    • 对现金的依赖
  • 市场机会
    • 政府鼓励数位付款成长的措施预计将导致一般民众即时付款的成长
  • 数位付款产业的关键法规和标准
    • 世界各国的监管状况
    • 可能造成监管障碍的经营模式
    • 经营状况变化带来的发展空间
  • 关键案例和使用案例分析
  • 主要国家真实支付交易在所有交易中的占比以及交易量和交易金额的区域分析
  • 主要国家依地区真实支付交易与非现金交易比例及交易量分析

第六章 市场细分

  • 按付款类型
    • P2P
    • P2B

第七章 竞争格局

  • 公司简介
    • ACI Worldwide, Inc.
    • Mastercard Inc.
    • Finastra International GmbH
    • PayPal Holdings, Inc.
    • Fiserv, Inc.
    • Fidelity National Information Services, Inc.（FIS Inc.）
    • Wirecard AG
    • Worldpay, Inc.
    • Temenos AG
    • Visa Inc.

第八章投资分析

第九章 市场未来展望

简介目录
Product Code: 91459

The Germany Real Time Payments Market is expected to register a CAGR of 31.5% during the forecast period.

Germany Real Time Payments - Market - IMG1

Key Highlights

  • With the rise of new payment technologies developed by non-bank payment service providers (PSPs) and banks, businesses and consumers now have a wide range of payment instruments. With the rise of technological advancement, these facilities are reshaping the fintech world, leveraging the power of advanced API, AI, and mobile banking solutions.
  • Real-time payments are being touted as a game-changer for moving cash-loving Germans into digital payments. SCT Inst solves the negative cultural association of credit cards. As per the data by FSI Many smaller banks have opted to use payments via a technical service provider to deliver real-time payment mode transactional services and solutions for consumers. Real-time payments in Germany are expected to make up 37 percent of all retail payment transactions by 2027.
  • Germany has been experiencing a major transformation with the recent regulatory reforms in the Euro region. Many major players are trying to take advantage of the opportunity to establish themselves as a business and Fintech solution provider. For instance, the establishment of the Single Euro Payments Area (SEPA), Payment Services Directive (PSD2), and the establishment of the Euro Retail Payments Board (ERPB) have aided the growth of the market.
  • The COVID-19 pandemic has turned out to be a catalyst for digital transformation and thus an 'innovation accelerator' for the economy. The market has already been going through a major transformation, with participants shifting focus toward e-commerce to do more shopping online. Pandemic intensification and changes in regulation like lockdown and touchless payments benefitted the industry. Along came features like Insurance as an added service, particularly in buyer protection (e.g., as provided by PayPal and credit card providers). Cashback points for rewards and special offers appeal to some participants.
  • The real-time payment solution has easily given consumers and businesses the luxury of ready access to funds and the convenience of transferring them with a single button; however, there are also challenges related to the cost of adopting a new payment infrastructure, financial crimes related to payments, technological failure, and cyberattacks, which the industry has faced since its inception.

Germany Real Time Payments Market Trends

P2B Segment Will hold The Major Share of the Market

  • According to a report published by ACI Worldwide, a payment float is a deposit into a bank account that has not yet been cleared. With its current share of real-time adoption, German businesses and consumers will gain an estimated net efficiency saving of USD 313 million in 2021, driven by a reduction in the payment float. Instant payments unlocked a total transaction value of USD 4,823 million daily in 2021 through a reduced float time in Germany. This working capital facilitated an estimated USD 114 million of firm output in the same year.
  • Recently in June 2022 EPC (European payment council) publishes the final version of the standardization of QR codes ( mobile-initiated ( SEPA) payment) involving the P2B mode of transaction addressing the need for a regulatory body for Instant credit transfer (SCT) payment and transfers, which seems to make real-time payment more secured in upcoming future. looking forward to these regulatory reforms Germany is expected to double its real-time payments volume by 2026.
  • As per the study by Deutsche Bundesbank at the end of 2021, three out of four (73%)payments of the debit card in Germany were contactless using NFC Technology. In Germany, there are more than 100 million cards in circulation. The system is operated by the German banking sector and is independent of international credit card companies like Visa and Mastercard which is expected to favor Germany in real-time payment settlement in the near future.
  • Real-time payment market has been experiencing tremendous changes with the introduction of new players which has been a key factor to drive the market for instant germany N26 bank one of the first organizations to provide real-time payment solutions in the region key to these sytems lies in the new digital banking application programming interfaces - APIs.
  • Recently, Germany's savings banks introduced a new feature allowing customers to make a transaction as an instant payment. But it only works if the receiving bank also supports instant payments. With technological advancement and the adaptation rate of the real-time payment mode in the region, an increasing number of lenders in Germany have already joined the group of early adopters of the technology, which has been a key factor in driving the real-time payment market in Germany.

Ecommerce will be the Key to Drive The Market

  • Germany's e-commerce business has proliferated since the pandemic, and sales have increased across the region during the coronavirus pandemic. For Instance, the report posted on eCommerce business 2021 by Postnord reflects approximately 94 % of the population is shopping online, which is 62.1 million consumers. The report also suggested that most B2C companies prefer real-time payment settlement with vendors like Paypal, Apple Pay, and Google pay in Germany.
  • The recent survey from Postnord also reflects that Germany is at 4th position in countries where Europeans shop online (number of millions who shopped from each country (China, USA, and the UK). It's approximately 26 % of the total consumers in the European region. The study also suggested that the preferred payment gateway in the area be PayPal or a similar option at 50%, followed by invoices at 21%, debit or credit card at 17 %.
  • As per the report (2021 European E-commerce Report) published, 96 % of the total population in Germany have access to the internet estimated growth rate of 1 %, and 88% of that internet user that bought goods or services online growth rate expected to be 2%from the previous year 2020.
  • The global pandemic has changed the entire scenario of doing business; an increased need for immediate transactions and enhanced digital payment solutions across industries have become necessary. Contextual commerce is on the rise - allowing workers, merchants, customers, and suppliers to implement a quicker way to do business that fits into their 24/7/365 lifestyle.
  • With the country's new technological reforms and regulations advancement, Germany has a heterogeneous market for real-time payment systems. The key reasons are the growing digitalization level, changes in customer behavior, and the advent of the PSD2 regulation by deploying technologies such as NFC or QR codes.

Germany Real Time Payments Industry Overview

With consumer preferences changing rapidly, the market has become a lucrative option and thus, has attracted a huge amount of 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.

  • June 2022 - Germany-based digital payments processing company ePay and Euronet Worldwide announced additional product launches. ePay offers a portfolio of business incentives, gift cards, and payment solutions, such as eCommerce, card acceptance, and mobile for omnichannel commerce. These services include point-of-sale (POS), end-to-end ATM, card outsourcing solutions, card issuance, and merchant acquisition services.
  • May 2022 - Ria Money Transfer, a business segment of Euronet Worldwide, Inc., a key player in the cross-border money transfer industry, announced a new partnership with Rebtel, an international calling service provider based in Sweden. The partnership embeds Ria's international money transfer service directly into Rebtel's digital platform, making it easy and convenient for Rebtel's customers to send money to loved ones worldwide. Ria offers payments to bank accounts, mobile wallets, and cash across 170 countries and territories and is powered by Euronet's Dandelion service, the world's largest real-time international payments network. Embedding a money transfer feature presents a unique growth opportunity for Telcos wanting to enter the fintech space.
  • June 2021 - Deutsche Bank and Fiserv are entering into a Joint venture to provide a payment solution for merchants. The joint venture is to combine Clover's payment acceptance solution with Deutsche Bank's integrated banking services. The joint venture will serve small, medium-sized, and small, medium-sized enterprises (SMEs) and will be based in Frankfurt am Main, pending regulatory approval.

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 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 Force 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 country
  • 4.5 Impact of COVID-19 on the payments market in the country

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Smartphone Penetration
    • 5.1.2 Falling Reliance on Traditional Banking
    • 5.1.3 Ease of Convenience
  • 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 Growth of Digital Paymentis expected to aid the growth of Real Time Payment methods amongst commoners
  • 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
  • 5.6 Analysis of Real Payments Transactions as a share of all Transactions with a regional breakdown of key countries by volume and transacted value
  • 5.7 Analysis of Real Payments Transactions as a share of Non-Cash Transactions with a regional breakdown of key countries by volumes

6 MARKET SEGMENTATION

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 ACI Worldwide, Inc.
    • 7.1.2 Mastercard Inc.
    • 7.1.3 Finastra International GmbH
    • 7.1.4 PayPal Holdings, Inc.
    • 7.1.5 Fiserv, Inc.
    • 7.1.6 Fidelity National Information Services, Inc. (FIS Inc.)
    • 7.1.7 Wirecard AG
    • 7.1.8 Worldpay, Inc.
    • 7.1.9 Temenos AG
    • 7.1.10 Visa Inc.

8 INVESTMENT ANALYSIS

9 FUTURE OUTLOOK OF THE MARKET