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市场调查报告书
商品编码
1642108

即时付款-市场占有率分析、产业趋势与统计、成长预测（2025-2030 年）

Real-Time Payments - 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

预计 2025 年即时付款市场规模为 349.9 亿美元，到 2030 年将达到 1,569.1 亿美元，预测期内（2025-2030 年）的复合年增长率为 35%。

即时支付-市场-IMG1

即时付款通常着重于低价值零售付款系统（RPS），与即时总付款系统（RTGS）和分散式帐本付款系统不同。即时付款除了满足需求和期望之外，还吸引了监管机构、竞争管理机构和付款服务供应商的兴趣。监管机构认为，即时付款将扩大银行服务的覆盖范围、支持经济成长、提供 Visa/Mastercard 网路的替代方案，并减少现金和支票的使用。

关键亮点

  • 全球即时付款(RTP) 生态系统正在快速发展，企业和政府意识到采用更快、更有效率的付款系统的好处。根据ACI Worldwide 2023年3月的报告，目前六大洲70多个国家都支援即时付款，预计今年的交易额将达到1,950亿美元，与前一年同期比较增加63%。
  • 智慧型设备的普及和网路零售业的蓬勃发展正在推动即时付款的快速普及。要求严格的消费者越来越多地使用智慧型手机向商家、收款人和同行付款。
  • 金融科技领域对使用尖端技术和新经营模式的兴趣日益浓厚，例如支援使用行动应用程式的开放 API 的即时付款系统，这也促进了市场的成长。根据 Finastra 去年的一项调查，银行即服务 (BaaS) 预计在未来三年内成长 25%，用户希望在参与企业中添加一系列内建功能，例如即时付款和零售银行业务。开放API 来实现可存取的银行功能。
  • 新冠疫情导致全球数位付款的使用增加。根据 2021 年全球金融包容性资料库，在低收入和中等收入国家（不包括中国），自 2019 年以来首次在实体商店或在线通过信用卡、电话或互联网付款的成年人比例新冠肺炎的感染率已升至40%。
  • 然而，随着即时付款的兴起，诈欺的风险大大增加。对于大多数付款类型，您的客户可以在处理之前取消错误付款。然而，即时付款在几秒钟内完成并且不可逆转，这意味着付款人无法取消交易。由于这些因素，针对即时付款中的诈欺行为的对策已成为一项挑战。

即时付款市场趋势

P2B 领域领先市场

  • P2B 支付是指企业与其顾客之间（或来自）的货币交易。行动交易和电子商务的不可阻挡的成长是推动这一领域发展的关键因素。
  • 预计网路购物和电子商务的持续成长将推动该领域的发展。 P2B付款使企业能够提高客户满意度。随着监管改革的不断变化，P2B 机制正在加快步伐。网路和店内帐单付款有望带来下一波大规模支付浪潮，从而降低即时支付成本。
  • 低成本的P2B交易也为企业带来了新的现金管理水平，企业可以从即时付款带来的实时流动性中受益，并通过即时通知交易状态为消费者提供额外的服务。
  • 在零工经济中，劳动市场具有时间性的特征。即时劳动力的工作范例包括食品配送服务、叫车服务（如 Uber 和 Bolt）、房屋照顾者和遛狗者。即时付款对于零工经济工作者来说是一个巨大的优势。这是因为工人可以快速收到报酬，并且可以规划他们的财务，而不必担心与现金相关的交易。
  • 云端基础的即时付款解决方案的成长趋势得益于它们为零售商提供即时付款洞察的灵活性。预计在预测期内，全球大型零售店越来越多地采用数位付款方式将推动市场发展。

亚太地区是成长最快的市场

  • 新兴国家即时交易的预期成长将是推动市场迈向新水准的关键，其中印度等国家将领先并超越已开发国家。实现即时付款意味着世界各国政府正在透过为企业和消费者提供更快、更便宜、更有效的付款方式来促进繁荣和经济成长。
  • 统一支付介面 (UPI) 改变了印度人的付款方式，实现了资金从一个银行帐户银行帐户到另一个银行帐户、从消费者到企业以及个人之间的快速转帐。根据万事达卡2022年新支付指数，印度人是亚太地区消费者中最愿意使用无现金付款的，93%的人表示他们在上年度使用过无现金付款。
  • 据 CEBR 称，印度是全球企业即时付款的最大用户，去年超过 40% 的即时付款源自印度。印度去年的即时付款额为486亿，约为排名第二的中国的185亿的2.6倍。
  • 根据CEBR统计，中国即时付款占全交易的5.7%，为企业和消费者创造了153.97亿美元的净收益。按照中国目前的即时付款普及水平，由于浮动时间的缩短，即时付款去年的日交易量达到1708亿美元。该营运资金预计当年创造营业产出124.11亿美元。
  • 据 CEBR 称，香港的即时付款份额去年达到了 7.3%，但预计到 2026 年将增长两倍至 22.8%。预计即时采用将推动消费者和企业利益到 2026 年达到 2.6 亿美元。据估计，去年使用即时付款带来的宏观经济效益为 3.4 亿美元（占官方 GDP 的 0.09%），相当于 3,355 名工人的产出。

即时付款行业概览

即时付款市场由许多大型供应商组成，它们不仅占据主导市场占有率，而且拥有成熟的分销网络，因此竞争对手之间的竞争相当激烈。随着消费者偏好的快速变化，即时付款市场已成为利润丰厚的选择，并吸引了大量投资。服务供应商正在建立伙伴关係以推动产品创新。市场上一些知名的供应商包括 ACI Worldwide Inc.、Fiserv Inc.、Paypal Holdings Inc. 和 Mastercard Inc.

2022 年 6 月，ACI Worldwide 将推出一个全新的行动互动平台 ACI Smart Engage，让世界各地的商家能够使用语音、位置和影像识别技术将服务和产品库存直接送到消费者的智慧型手机上。我们能够承担——将购物推向新的高度。

此外，2022 年 4 月，Fiserv推出Appmarket，为他们提供精选的金融科技解决方案，帮助他们更有业务运作、吸引新客户并更有效地竞争。 AppMarket 将协助 Fiserv 的金融机构客户解决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。

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
  • 研究范围

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
  • 价值链分析
  • 产业吸引力-波特五力分析
    • 新进入者的威胁
    • 买家的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争
  • COVID-19 市场影响评估

第五章 市场动态

  • 市场驱动因素
    • 智慧型手机普及率不断提高
    • 提高便利性
    • 减少对传统银行业务的依赖
  • 市场问题
    • 付款诈骗
    • 对现金的依赖
  • 市场机会
    • 政府鼓励使用数位付款的政策将推动即时付款的成长
  • 数位付款产业的关键法规和标准
  • 关键用案例和使用案例分析
  • 主要国家实际支付交易占比及各地区交易金额分析
  • 非现金交易中实际支付交易占比及主要国家交易金额区域分布分析

第六章 市场细分

  • 依付款类型
    • P2P
    • P2B
  • 按地区
    • 北美洲
      • 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
      • 其他亚太地区
    • 拉丁美洲
      • 巴西
      • 阿根廷
      • 哥伦比亚
      • 墨西哥
      • 其他拉丁美洲国家
    • 中东和非洲
      • 阿拉伯聯合大公国
      • 南非
      • 奈及利亚
      • 其他中东和非洲地区

第七章 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：市场的未来

简介目录
Product Code: 66643

The Real-Time Payments Market size is estimated at USD 34.99 billion in 2025, and is expected to reach USD 156.91 billion by 2030, at a CAGR of 35% during the forecast period (2025-2030).

Real-Time Payments - Market - IMG1

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

  • There is rapid growth in the global Real-Time Payment (RTP) ecosystem, with businesses and governments realizing the benefits of implementing faster, more efficient payment systems. Currently, over 70 countries on six continents support real-time payments, with USD 195 billion in transaction volume this year, presenting a year-on-year growth of 63%, according to ACI Worldwide's March 2023 report.
  • The growing penetration of smart devices and booming online retail commerce across the world are driving the rapid adoption of real-time payments. Increasingly, demanding consumers are turning to their smartphones when they need to pay merchants, billers, peers, and others.
  • 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 last year, 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.
  • The COVID-19 pandemic resulted in increased use of digital payments across the world. According to the Global Findex Database 2021, in low and middle-income economies (excluding China), more than 40% of adults who made merchant in-store or online payments by using a card, phone, or through the internet did so for the first time since the start of COVID-19.
  • However, with real-time payments gaining widespread adoption, there is a significant increase in the risk of fraud. With most payment types, a customer has the ability to recall a payment made in error before it is processed. However, an instant payment is completed in a few seconds, and as it is irrevocable, the payer cannot cancel the transaction. Such factors increase the challenges in combating fraud in the case of real-time payments.

Real Time Payments Market Trends

P2B Segment Holds the Key to Drive the Market

  • 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.
  • Also, lower-cost P2B transactions offer a new level of cash management to businesses that can benefit from real-time liquidity owing to instant settlement along with the added level of service to the consumer related to the instant notification of the status of the transaction.
  • In the gig economy, the labor 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 and outpacing developed nations. Governments around the world that enable real-time schemes are driving prosperity and economic growth by providing businesses and consumers with faster, cheaper, and more efficient payment methods.
  • United Payments Interface (UPI) has transformed how Indians make payments, allowing them to quickly transfer money instantly from one bank account to another: from a customer to a business or between individuals. According to Mastercard's 2022 New Payments Index, Indians are the most willing of any consumers in the Asia-Pacific region to use emerging cashless payment methods, with 93% likely to have made such a payment in the previous year.
  • As per the CEBR, India accounted for the highest volume of real-time payments among businesses globally, with over 40% of all such payments made throughout last year originating in the country. India made 48.6 billion real-time payments last year, which was around 2.6 times higher than China, which was in second place with 18.5 billion real-time transactions.
  • According to the CEBR, net benefits for businesses and consumers of real-time payments hit USD 15.397 billion in China, 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 billion per day last year through a reduced float time. This working capital facilitated an estimated USD 12.411 billion in business output in the same year.
  • In Hong Kong, real-time payments share was recorded at 7.3% last year, which is estimated to triple (22.8% by 2026), as per CEBR. The strongly predicted real-time uptake will result in consumer and business benefits reaching USD .26 billion in 2026. The macroeconomic benefits of using real-time payments were an estimated USD .34 billion of economic output (0.09% of formal GDP) last year, equivalent to the output of 3,355 workers.

Real Time Payments Industry Overview

The competitive rivalry in the Real-Time Payments Market is moderately high, as the market comprises many large vendors that command a prominent market share besides having access to well-established distribution networks. With consumer preferences changing rapidly, the Real-Time Payments Market has become a lucrative option and, thus, has attracted huge investments. The service providers are engaging in partnerships to promote product innovation. Some of the prominent vendors in the market include ACI Worldwide Inc., Fiserv Inc., Paypal Holdings Inc., and Mastercard Inc.

In June 2022, ACI Worldwide announced its new mobile engagement platform ACI Smart Engage, enabling merchants worldwide to serve up their inventory of services and goods directly to consumers' smartphones using voice, location, and image recognition technology, taking shopping-on-the-go to a new level.

Furthermore, in 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 would 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.

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