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市场调查报告书
商品编码
1644792

西班牙的即时付款：市场占有率分析、行业趋势和成长预测（2025-2030 年）

Spain Real Time Payments - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3个工作天内

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简介目录

预测期内，西班牙即时付款市场预计将实现 16.8% 的复合年增长率

西班牙即时支付-市场-IMG1

关键亮点

  • 西班牙的付款系统仍以签帐金融卡和信用卡为主。然而，后疫情时代的情况正在不断变化，西班牙付款市场出现了行动钱包、数位付款、即时付款等替代付款。
  • 由于 Bizum 应用程式的巨大成功，西班牙的即时付款市场正在蓬勃发展。 Bizum 于 2016 年推出，基于 SCT Inst，是西班牙银行于 2016 年推出的一项付款服务，允许用户透过智慧型手机进行个人对个人 (P2P)付款。 Bizum 行动钱包吸引了数百万客户，并定期添加除其原始 P2P 功能之外的功能。
  • 促成即时付款快速普及的一个因素是 Bizum 的现代用户介面，它模仿社交网路。其次，即时付款的使用案例稳定成长，越来越深入消费者的生活。其中包括支持对非政府组织的捐赠、2019 年推出的电子商务付款和退款，甚至即时付款国家彩券奖金。此外，二维码技术的广泛应用也增加了其易用性，目前已有超过 11,000 家零售商采用该技术。
  • 此外，银行和电子商务平台已开始提供即时付款服务，例如 Klarna 和 Afterpay 等提供的先买后付服务，以占领这个快速成长的市场并吸引新用户。许多 BNPL 平台允许没有信用卡的人从公司购买并分期付款，因为他们不会对按时付款收取利息。 BNPL 让企业能够维持更好的结帐率和客户维繫。这进一步推动了该地区即时付款市场的成长。
  • COVID-19 疫情正在推动人们采用新的、更快、更安全的付款技术，例如即时付款。然而，虽然在封锁和限制措施增加期间交易量有所下降，但即时付款和转帐应用程式的使用也有所增加。在西班牙，Bizum 在 COVID-19 疫情期间得到了广泛应用。

西班牙即时付款市场趋势

P2P 领域预计将主导西班牙即时付款市场

  • Bizum 和 PayPal 是该地区用于快速即时付款的热门 P2P 应用程式。它们提供即时的P2P付款，让用户快速、轻鬆地转账，取代传统的付款方式，改变国内和国际交易的游戏规则。这种新的即时银行转帐方式使用户的即时付款变得更快、更有效率、更便宜。
  • 此外，P2P 交易中现金和卡片的普及度下降进一步推动了该地区即时 P2P 交易的兴起。此外，西班牙 P2P付款的激增主要集中在一系列涉及金钱的社交互动和交易中，从餐厅分摊帐单到捐款。此外，即时和几秒钟内的付款通知是提升客户对 P2P付款服务信任的关键因素。 Bizum 是 SCT Ins.Transfer，由于电话号码是客户帐户的代理，因此提供了更友善的使用者体验。
  • 此外，P2P 的成长主要得益于 2016 年推出的 Bizum付款服务。 Bizum 让客户只需知道收款人的行动电话号码即可进行安全、方便、快速的银行帐户到银行帐户付款。这种方法在西班牙年轻人中越来越受欢迎。
  • 例如，根据西班牙银行报告的资料，2021年西班牙智慧型手机即时付款服务中P2P交易将占交易量的98.95％，其次是C2eR和C2R。
  • 预计所有上述因素将在预测期内推动 P2P 即时付款交易。

智慧型手机普及率上升可望推动即时付款市场

  • 西班牙最受欢迎的即时付款方式是Bizum，它提供行动和二维码付款。 Bizum 功能也整合到参与银行的网站和行动应用程式中。该地区不断增长的行动和网路普及率预计将推动西班牙的即时付款市场的发展。
  • 例如，根据 GSMA Intelligence 报告，西班牙的行动行动电话连接数量从 2017 年 1 月的 52.3 增长到 2022 年 1 月的 55.5。
  • 此外，Hootsuite 报告的资料显示，该地区的网路用户数量在过去几年一直在持续成长。 2017年1月网路用户数为3,780万，预计2022年1月将增加至4,390万。
  • 此外，行动商务的兴起进一步推动了该地区的即时付款市场成长。越来越多的西班牙人开始采用更快捷的付款方式来购物。这使得在该国开展业务的企业必须提供网路购物的即时付款。 Klarna 和 Afterpay 等许多大公司已经推出了本地 BNPL 服务。
  • 由于上述因素，该地区的即时付款市场预计将在预测期内扩大。

西班牙即时付款产业概况

西班牙即时付款市场竞争激烈，市场呈现分割状态。较大的公司提供创新的付款解决方案，并积极进行併购以扩大市场占有率。西班牙即时付款市场的主要企业包括 ACI Worldwide Inc.、Fiserv Inc.、Mastercard Inc.、FIS Global 等。

  • 2022 年 3 月－桑坦德银行宣布推出即时付款解决方案，使客户能够以该地货币向巴西汇款。这项新服务由该银行的付款金融科技公司 PagoNxt 提供，可为从欧洲到巴西的企业提供即时付款。该银行在西班牙的中小企业和公司客户将能够透过网路银行以巴西雷亚尔向巴西币的收款人进行即时国际汇款。
  • 2021 年 12 月－法国巴黎银行继续在整个欧洲推出 SEPA 即时付款计画。法国巴黎银行已在西班牙为其企业客户推出了 SEPA 即时信用转帐服务，其中包括可再生能源领域的全球领导者 EDPR。

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
  • 产业吸引力-波特五力分析
    • 供应商的议价能力
    • 购买者/消费者的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争对手之间的竞争
  • 西班牙付款格局的演变
  • 与西班牙无现金交易扩张相关的主要市场趋势
  • COVID-19 对西班牙付款市场的影响

第五章 市场动态

  • 市场驱动因素
    • 智慧型手机普及率不断提高预计将推动即时付款市场发展
    • 对更快付款和减少对传统银行业务依赖的需求日益增加
    • 即时便捷的即时付款
  • 市场问题
    • 付款诈骗和安全问题
  • 市场机会
    • 政府鼓励数位付款发展的政策有望推动大众即时付款的成长
  • 数位付款产业的关键法规和标准
    • 西班牙的整体监管状况
    • 可能成为监管障碍的经营模式
    • 随着商业环境的变化而有发展空间
  • 关键用案例和使用案例分析
  • 实际付款交易占全部交易的比例及主要国家交易量及交易金额的区域分析
  • 主要国家地区实际付款交易与非现金交易比例及交易量分析

第六章 市场细分

  • 依付款类型
    • P2P
    • P2B

第七章 竞争格局

  • 公司简介
    • ACI Worldwide Inc.
    • FIS Global
    • Paypal Holdings Inc.
    • Fiserv Inc.
    • Mastercard Inc.
    • VISA Inc.
    • Iberpay
    • Brite AB
    • Payfare Inc.
    • Apple Inc.

第八章投资分析

第九章：未来市场展望

简介目录
Product Code: 91096

The Spain Real Time Payments Market is expected to register a CAGR of 16.8% during the forecast period.

Spain Real Time Payments - Market - IMG1

Key Highlights

  • The payment system in Spain is still heavily dominated by debit and credit cards, which account for most of the transactions in the country. However, the scenario is continuously changing after the pandemic, and mobile wallets, digital payments, and alternative payments such as real-time payments are gaining ground in the Spain payments market.
  • Spain's real-time payment market is growing rapidly, owing to the wildly successful Bizum app. Launched in 2016 and built on SCT Inst, Bizum is a payment service launched by Spanish banks in 2016 to allow users to conduct Person-to-Person (P2P) payments through a smartphone. The Bizum mobile wallet has attracted millions of customers and has regularly added features beyond its original P2P functions.
  • A few factors that boosted the rapid adoption of real-time payments, such as the modern Bizum user interface replicating social networks. Another is a steady stream of use cases that take real-time payments deeper into consumers' lives. These include support for donations to NGOs, eCommerce payments launched in 2019 and refunds, and even real-time settlement of national lottery prizes. Its ease of use is also boosted by widely available QR-code initiation adopted at more than 11,000 retail stores.
  • Moreover, banks and e-commerce platforms have started offering real-time payment services such as Buy Now Pay Later options like Klarna and Afterpay to capture the rapidly growing segment and appeal to new users. With no interest charged for on-time payments by many BNPL platforms, people without credit cards can make purchases from a business and pay in installments. BNPL lets companies maintain better checkout rates and customer retention. This is further boosting the region's real-time payments market growth.
  • The COVID-19 pandemic has boosted the use of new fast and secure payment technologies, such as real-time payments. However, the volume of transactions has fallen during periods of lockdown or tighter restrictions, but the use of instant money payment or transfer apps has also increased. In Spain, the use of Bizum stands out during the COVID-19 outbreak.

Spain Real-Time Payments Market Trends

P2P Segment is Expected to Dominant the Spain Real Time Payments Market

  • Bizum and PayPal are two popular P2P apps customers have used for fast and immediate payments in the region. These offer real-time P2P payments that allow users to transfer money between people so quickly and easily that they are replacing more traditional means of payment and changing the game's rules in terms of national and international transactions. This new way of making bank transfers immediately makes these real-time payments much faster, more efficient, and cheaper for users.
  • Moreover, the declining popularity of cash and cards for P2P transactions is further increasing the real-time P2P transactions in the region. Additionally, the surge in P2P payments in Spain is governed by various social interactions and transactions involving money, from dividing up the bill at a restaurant to donating. Also, immediacy and payment notifications in seconds are the key factors that grow customer confidence in the P2P payment service. Bizum is an SCT Ins. Transfer with a more friendly user experience because the phone number is a proxy for the customer's account.
  • Furthermore, the growth in P2P is primarily supported by the launch of the Bizum payment service in 2016. Bizum enables customers to make payments from bank account to bank account securely, conveniently, and quickly just by knowing the recipient's mobile phone number. The method is becoming increasingly popular in Spain among youth.
  • For instance, as per data reported by the Bank of Spain, the P2P transactions on Spain's real-time payment service for the smartphone was 98.95% in the year 2021, followed by C2eR and C2R, respectively.
  • All of the above mentioned factors are expected to boost the P2P real-time payment transactions over the forecast period.

Rising Smartphone Penetration is Expected to Foster the Real Time Payments Market

  • The most popular real-time payment method in Spain is Bizum, which offers mobile and QR-code payment services. Also, Bizum functionalities are integrated within the website and mobile apps of the participating banks. The growing mobile and internet penetration in the region is expected to drive the real-time payments market in Spain.
  • For instance, as reported by GSMA Intelligence, the number of mobile cellular connections in Spain grew from 52.3 in January 2017 to 55.5 in January 2022.
  • Furthermore, as data reported by Hootsuite, the number of internet users has been continuously increasing in the region over the past few years. There were 37.8 million internet users in January 2017, which grew to 43.9 million in January 2022.
  • Moreover, the rise of mobile commerce further fuels the growth in the region's real-time payments market. Increasingly, the people of Spain are relying on faster payment methods to make their purchases. This makes it incredibly important for organizations doing business in the country to offer real-time payments for online shopping. Many major players such as Klarna and Afterpay have already introduced their regional BNPL services.
  • All of the factors above are expected to boost the real-time payments market in the region over the forecast period.

Spain Real-Time Payments Industry Overview

The competition in the Spain real-time payments market is high, and the market appears to be fragmented. Major players offer innovative payment solutions and indulge in mergers and acquisitions to gain market share. Major players in the Spain real-time payments market include ACI Worldwide Inc., Fiserv Inc., Mastercard Inc., and FIS Global, among others.

  • March 2022 - Santander announced the launch of a real-time payments solution enabling customers to make transfers into Brazil in local currency. The new service, delivered through the bank's payments FinTech PagoNxt, will allow instant payments for companies from Europe to Brazil. The bank's SME and corporate clients in Spain will be able to make instant international payments in Brazilian real to recipients in Brazil through online banking.
  • December 2021 - BNP Paribas continues to roll out the SEPA Instant Payments plan across Europe. BNP Paribas has activated SEPA Instant credit transfers in Spain for its corporate customers, including EDPR, a global leader in the renewable energy sector.

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 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 Spain
  • 4.4 Key market trends pertaining to the growth of cashless transaction in Spain
  • 4.5 Impact of COVID-19 on the payments market in Spain

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Smartphone Penetration is Expected to Boost the Real Time Payments Market
    • 5.1.2 Growing Need for Faster Payments and Falling Reliance on Traditional Banking
    • 5.1.3 Immediacy and Ease of Convenience of the Real Time Payments
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud and Security Issues
  • 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 Spain
    • 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 FIS Global
    • 7.1.3 Paypal Holdings Inc.
    • 7.1.4 Fiserv Inc.
    • 7.1.5 Mastercard Inc.
    • 7.1.6 VISA Inc.
    • 7.1.7 Iberpay
    • 7.1.8 Brite AB
    • 7.1.9 Payfare Inc.
    • 7.1.10 Apple Inc.

8 Investment Analysis

9 Future Outlook of the Market