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市场调查报告书
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1636617

亚太地区即时付款：市场占有率分析、产业趋势与成长预测（2025-2030）

Asia Pacific Real Time Payment - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

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简介目录

亚太地区即时付款市场预计在预测期内复合年增长率为32.5%。

亚太即时支付市场-IMG1

主要亮点

  • 印度、中国、泰国和越南等新兴国家的消费者、企业和政府正在采用更快的付款，以提高便利性和财务安全性，对解决方案的需求不断增加。
  • 全球行动电话的普及以及供应商和买家之间快速清算和结算金融交易的日益增长的需求支撑了这个市场。此外，由于网路商家和零售店主对即时付款解决方案的接受程度不断提高，市场预计将会发展。这些系统具有优于其他电子方法的优势，例如更快的交易速度、即时通讯、广泛的资料交易以及对供应商和企业组织的 24/7 存取。
  • 此外，无现金交易的增加以及消费者对线上和行动银行等系统的日益偏好也将刺激行业扩张。由于 Samsung Pay、Google Pay 和 Apple Pay 等金融科技的普及，该行业可能会大幅成长。此外，随着这些服务/服务机构和当地银行扩大联合努力并推出诸如提供快速预付款和无货币付款等先进倡议，该行业预计将进一步加速。
  • 根据 ACI 全球与经济与商业研究中心的研究「Globaldata 的 2022 年即时黄金时段」(Cebr)，泰国是世界第四大国家。泰国是全球即时交易第四大国家，交易量达 97 亿笔。 2021年，采用即时付款预计将为企业和消费者节省13亿美元，带来60亿美元的额外经济产出，相当于该国GDP的1.12%。
  • COVID-19 造成的封锁增强了电子商务和食品应用程式的实力，也推动了即时付款业务的发展。例如，根据ACI的数据，2021年即时付款占印度付款交易总额的31.3%。这是由于商家接受基于 UPI 的行动付款应用程式和二维码付款，以及在 COVID-19 大流行期间数位付款的使用增加。

亚太即时付款市场趋势

印度在贸易量和经济成长方面处于领先地位

  • ACI研究显示，预计2026年即时付款将带动印度GDP成长459亿美元，届时即时付款交易量将超过2,060亿笔。
  • ACI 预计，2021 年印度即时付款交易量将达到 486 亿笔，是中国（180 亿笔）的三倍多，是美国、加拿大、英国、法国和德国（75 亿笔）的近七倍。
  • 由于基于UPI的行动付款应用程式和二维码付款的推出，以及在COVID-19大流行期间数位付款的使用增加，即时付款占去年付款交易总额的比例达到了31.3%。随着消费者迅速从现金支付转向基于行动的即时付款并且不再使用支付卡，预计到 2026 年，即时付款在付款交易总量中的份额将上升至 70% 以上。
  • 根据为全球零售商、银行和资本市场组织提供技术解决方案的知名供应商 FIS 的最新民意调查，COVID-19 大流行导致印度每天的即时交易量增加了一倍。
  • 根据ACI Worldwide提供的报告，与美国、英国、加拿大和澳洲等其他市场相比，印度的即时付款市场非常发达。题为《2022年即时支付黄金时代》的报告显示，印度的即时付款包括即时付款服务（IMPS）和通用支付介面（UPI），近年来使用量不断增加。这些也被认为是印度即时付款的关键驱动力。
  • 截至 2022 年 4 月，印度通用支付介面 (UPI) 交易额预计将超过 9.8 兆印度卢比。虽然比上个月略有成长，但与 2018 年 8 月相比大幅成长，当时 UPI 交易额不到 5,500 亿印度卢比。 UPI 是印度国家付款公司 (NPCI) 于 2016 年推出的平台。它允许 PhonePe 和 Google Pay 等付款服务供应商的用户将其银行与 NPCI 作为交换机连接并汇款。它比之前的 IMPS 等交易方法更容易使用。

智慧型手机和网路的普及正在推动市场。

  • 由于需要不断连接到互联网，智慧型手机已成为印度乃至全球最受欢迎的设备。人们，尤其是那些生活在都市区、生活方式忙碌的人们，习惯在旅途中进行沟通。由于可支配收入的增加和便捷的融资选择（如 EMI），拥有智慧型手机不再是奢侈品。对于像印度这样拥有庞大劳动人口的新兴国家来说，这是现实。此外，行动电话製造商之间的激烈竞争和技术进步继续压低智慧型手机的价格，提高购买力和销售量。
  • 亚太地区通讯业者正在利用行动网路和服务的规模和效用，帮助企业和小型企业采用符合工业 4.0 目标的新数位解决方案，其中包括： 5G 和物联网将发挥重要作用。该地区第二波 5G 网路部署已经开始，印度、印尼和马来西亚正在进行多项 5G 相关活动。
  • 在其中一些市场引入 5G 将有助于为低收入用户大规模製造更实惠的 5G 设备，并可能促进新兴市场消费者和企业新型 5G 应用的开发。根据GSMA《2021年行动经济报告》，到2025年终，5G的行动连线总数将超过2G和3G，占总连线数的14%。
  • 互联互通对于帮助亚太地区应对并最终摆脱疫情、重组经济并增强其抵御未来衝击的能力至关重要。我们相信，5G网路、云端服务、边缘运算、人工智慧、巨量资料和物联网都将在释放疫情后数位经济的全部潜力和推动即时付款市场方面发挥关键作用。
  • 使用行动电话汇款现在不仅在亚太地区被接受，而且已成为新常态。市场领导者包括中国的支付宝和微信支付、印度的PayTM、印尼的OVO、ShopeePay、LinkAja和GoPay、日本和台湾的LINE Pay、韩国的Kakao Pay、马来西亚和新加坡的GrabPay以及印度的Gpay和Paytm 。是。

亚太地区即时付款产业概况

由于不同地区的参与企业的存在，亚太地区的即时支付市场竞争非常激烈。快速变化的客户偏好使市场更具吸引力并吸引大量投资。由于市场发展潜力大，市场被新参与企业分割。服务供应商正在组建联盟以鼓励产品创新。

  • 2022 年 1 月 - 印度国家付款公司 (NPCI) 的国际支付部门 NPCI International 付款 Limited (NIPL) 与总部位于荷兰的全球付款基础设施公司 TerraPay 签署谅解备忘录，以提供有效的 UPI ID印度人现在可以透过TerraPay的安全付款技术可在银行帐户中即时接收国际付款。
  • 2022 年 1 月 - 数位 P2P付款成长的全球领导者 MoneyGram International, Inc. 宣布与 Digital Wallet Corporation 建立策略合作伙伴关係。这家全球金融科技公司拥有日本最大的行动汇款服务和数位钱包 Smiles Mobile Remittance (Smiles)。日本消费者现在可以使用 Smiles 行动应用程式向全球 200 多个国家和地区汇款，该应用程式由 MoneyGram 的全球付款通道和近乎即时的功能提供支援。

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

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
  • 与该地区无现金交易扩展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
    • 智慧型手机普及率提高
    • 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

第六章 市场细分

  • 按付款类型
    • P2P
    • P2B
  • 按地区
    • 亚太地区
    • 中国
    • 印度
    • 日本
    • 韩国
    • 其他亚太地区

第七章 竞争格局

  • 公司简介
    • Fiserv Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • FIS Global
    • VISA Inc.
    • Apple Inc.
    • Alipay（Ant Financials）
    • SIA SpA
    • Finastra
    • ACI Worldwide Inc.

第八章投资分析

第九章 市场未来展望

简介目录
Product Code: 91181

The Asia Pacific Real Time Payment Market is expected to register a CAGR of 32.5% during the forecast period.

Asia Pacific Real Time Payment - Market - IMG1

Key Highlights

  • Consumers, businesses, and governments in emerging nations such as India, China, Thailand, Vietnam, etc., are adopting quick payments to gain greater ease and financial security, driving up demand for the solutions.
  • The market is primarily supported by the growing use of cell phones worldwide and the ever-increasing desire for quick clearing and reimbursement of money transactions between vendors and purchasers. Furthermore, the market is predicted to develop due to the growing acceptance of real-time payment solutions by web-based business sellers and retail location owners. These systems offer advantages such as faster transaction speeds than other electronic techniques, real-time communications, extensive data transactions, and vendor and corporate organization accessibility 24 hours a day, seven days a week.
  • Additionally, rising volumes of cashless transactions and a growing shopper preference for systems like net and mobile banking will add to industry expansion. Due to the increasing popularity of FinTech administrations such as Samsung Pay, Google Pay, and Apple Pay, the industry is likely to grow significantly. Furthermore, expanding the combined efforts of these services/service organizations and regional banks to launch advancements, such as the provision of speedy advances and money-less payments, would accelerate the industry even further.
  • According to ACI Worldwide and the Centre for Economics and Business Research's research, Globaldata's Prime-Time for Real-Time 2022, (Cebr). Thailand was the fourth-largest country in the world regarding real-time transactions, with 9.7 billion. In 2021, widespread adoption of real-time payments was expected to save businesses and consumers USD 1.3 billion, resulting in USD 6 billion in additional economic production, representing 1.12% of the country's GDP.
  • Lockdowns imposed as a result of COVID-19 enhanced e-commerce and food apps, driving the real-time payments business as well. Real-time payments, for example, accounted for 31.3 percent of overall payments transaction volume in India in 2021, according to ACI, owing to merchant acceptance of UPI-based mobile payment apps and QR code payments, as well as increasing use of digital payments during the Covid-19 outbreak.

APAC Real Time Payment Market Trends

India to lead in terms of Volume of Transactions and economic growth

  • According to a survey by ACI, real-time payments are expected to enhance India's GDP by USD 45.9 billion in 2026, with real-time payments transaction volumes expected to top 206 billion by then.
  • According to an ACI estimate, India accounted for 48.6 billion real-time transactions in 2021, over three times that of China (18 billion transactions) and nearly seven times that of the United States, Canada, the United Kingdom, France, and Germany (7.5 billion).
  • Real-time payments accounted for 31.3% of overall payments transaction volume last year, thanks to merchant adoption of UPI-based mobile payment apps and QR code payments and increased use of digital payments during the Covid-19 outbreak. Real-time payments' proportion of overall payments volume is expected to climb to over 70% in 2026, as consumers rapidly transition from cash to mobile-based real-time payments, skipping payment cards.
  • According to the latest FIS poll, a prominent provider of technology solutions for retailers, banks, and capital markets organizations globally, India's daily real-time transactions have doubled to 41 million due to the COVID-19 pandemic.
  • According to a report provided by ACI Worldwide, the Indian real-time payments market is well developed compared to other markets such as the United States, the United Kingdom, Canada, and Australia. The Immediate Payment Service (IMPS) and Unified Payments Interface (UPI), both of which have witnessed considerable usage in recent years, are among India's real-time payments, according to the paper titled "Prime Time For Real-Time 2022." These are also considered to be India's primary drivers of real-time payments.
  • The universal payment interface (UPI) transactions in India were estimated to be worth over 9.8 trillion Indian rupees as of April 2022. Although this was a little rise from the previous month, the value of UPI transactions had climbed significantly from August 2018, when it was less than 550 billion Indian rupees. UPI was a National Payments Corporation of India (NPCI) platform introduced in 2016. It allows users of payment service providers like PhonePe or GooglePay to connect with banks and transfer money using NPCI as a switch. It's easier to utilize than earlier transaction methods like IMPS.

Increased Smartphone and Internet Penetration to drive the Market

  • Smartphones have become the most popular device in India and globally due to the continual need to be connected. People, especially those who live in urban areas and have hectic lifestyles, have become accustomed to communicating on the go. Smartphone ownership is no longer a luxury, thanks to increased disposable income levels and simple financing options (such as EMI). This is a reality for a new country with a huge working population, such as India. Furthermore, tight rivalry among handset manufacturers and technological advancements continue to drive down smartphone prices, increasing affordability and sales growth.
  • Operators around the Asia Pacific are leveraging the scale and utility of mobile networks and services to help large and small businesses implement new digital solutions in accordance with Industry 4.0 goals, in which 5G and IoT will play significant roles. In the area, the second wave of 5G network rollouts has commenced, with several 5G-related activities taking place in India, Indonesia, and Malaysia.
  • The introduction of 5G in some of these markets could encourage the mass manufacture of more affordable 5G devices for lower-income users and the development of novel 5G applications for consumers and businesses in emerging markets. By the end of 2025, 5G will have surpassed 2G and 3G in total mobile connections, accounting for 14% of all connections, according to the GSMA Mobile Economy Report 2021.
  • Connectivity will be critical in rebuilding economies and making them more resilient to future shocks as the Asia Pacific continues to deal with and eventually emerge from the pandemic. 5G networks, cloud services, edge computing, AI, big data, and the Internet of Things will all play a crucial part in realizing the full potential of a post-pandemic digital economy, boosting the real-time payments market.
  • The usage of a mobile phone for money transfer is now not only acceptable but also the new normal throughout the Asia Pacific. AliPay and WeChat Pay in China, PayTM in India, OVO, ShopeePay, LinkAja, and GoPay in Indonesia, LINE Pay in Japan and Taiwan, Kakao Pay in South Korea, GrabPay in Malaysia and Singapore, and Gpay and Paytm in India are among the market leaders.

APAC Real Time Payment Industry Overview

The Asia-Pacific Real Payment Market is competitive owing to the presence of various regional players. With quickly changing customer preferences, the market has become a lucrative choice, attracting a large amount of investment. Because of the enormous development potential, the market is fragmenting due to new entrants. To encourage product innovation, service providers are forming alliances.

  • In January 2022 - NPCI International Payments Limited (NIPL), the international payments arm of the National Payments Corporation of India (NPCI), has signed a memorandum of understanding with TerraPay, a Netherlands-based global payments infrastructure company, to enable Indians with an active UPI ID to receive real-time, international payments into their bank accounts via TerraPay's secure payments technology.
  • January 2022 - MoneyGram International, Inc., a global leader in the growth of digital P2P payments, has announced a strategic relationship with Digital Wallet Corporation. This global fintech firm owns Smiles Mobile Remittance (Smiles), Japan's largest mobile money transfer service and digital wallet. Consumers in Japan may now send money to more than 200 countries and territories worldwide using the Smiles mobile app, which is backed by MoneyGram's global payment rails and near real-time capabilities.

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

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 Region
  • 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

6 MARKET SEGMENTATION

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B
  • 6.2 By Geography
    • 6.2.1 Asia Pacific
    • 6.2.2 China
    • 6.2.3 India
    • 6.2.4 Japan
    • 6.2.5 South Korea
    • 6.2.6 Rest of the Asia Pacific

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Fiserv Inc.
    • 7.1.2 Paypal Holdings Inc.
    • 7.1.3 Mastercard Inc.
    • 7.1.4 FIS Global
    • 7.1.5 VISA Inc.
    • 7.1.6 Apple Inc.
    • 7.1.7 Alipay (Ant Financials)
    • 7.1.8 SIA SpA
    • 7.1.9 Finastra
    • 7.1.10 ACI Worldwide Inc.

8 INVESTMENT ANALYSIS

9 FUTURE OUTLOOK OF THE MARKET