查看购物车
  • Traditional Chinese
  • English
  • Japanese
封面
市场调查报告书
商品编码
1644793

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

China 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

价格

※ 本网页内容可能与最新版本有所差异。详细情况请与我们联繫。

简介目录

预计2025年中国即时付款市场规模为72.4亿美元，到2030年预计将达到296.8亿美元，预测期内（2025-2030年）的复合年增长率为32.6%。

中国即时支付-市场-IMG1

由于网路和行动用户数量的增加、银行帐户数量的增加以及即时付款需求的不断增长，市场正在不断扩大。

关键亮点

  • 中国是一个人口大国，数位科技的普及率正在迅速提高，因此数位钱包的普及也正在迅速增加。此外，由于中国行动钱包（主要由支付宝和微信支付提供）的普及率很高，该地区的即时付款具有巨大的成长空间。
  • 根据国家图书馆委员会目录，到2023年，中国13亿人口中约有60%将使用行动付款进行购物。该地区即时付款交易数量的大幅增加预计将进一步提振该地区即时付款市场。
  • 此外，过去十年来，中国对先买后付服务的兴趣飙升。推动 BNPL 发展的因素包括与 BNPL付款相关的前所未有的低利率、透过支付宝和微信支付的线上付款的成长，以及希望吸引新客户的资金充足的金融科技新兴企业。该地区的各个电子商务平台都向客户提供 BNPL 服务。
  • 随着中国5G基础设施的快速发展，低延迟网路的出现有望为中国即时付款市场创造新的机会。
  • 然而，该地区对金融科技公司也制定了一套严格的规章制度，这可能会阻碍该地区即时付款市场的成长。
  • 此外，新冠疫情进一步刺激了金融包容性，在中国正规金融服务扩张的同时，也推动了数位付款的大幅成长。新冠肺炎疫情爆发后，中国推出了数位货币——数位人民币，以透过非接触式付款实现无现金社会。预计这些趋势将对 COVID-19 后所调查市场的成长产生正面影响。

中国即时付款市场趋势

中国智慧型手机的普及推动了即时付款市场的成长

  • 中国智慧型手机的高普及率支持了该国即时付款的日益普及。智慧型手机普及率的提高为中国即时付款的兴起提供了必要的推动力，支付宝和微信支付等主要即时付款提供商都透过其行动应用程式提供即时付款。
  • 根据GSMA预测，到2030年，中国的5G用户数将占全球整体的近三分之一。此外，预计到 2030 年，该技术将为中国经济增加 2,900 亿美元，使整个产业受益。
  • 此外，随着中国当地消费者越来越多地从现金转向基于行动的即时付款并放弃付款卡，预计预测期内即时付款将会成长。此外，过去几年来，拥有银行帐户的人口数量庞大以及网路普及率的提高进一步推动了市场的成长。
  • 高网路普及率也决定了中国即时付款的成功与成长。例如，根据中国互联网络资讯中心（CNNIC）的数据，2023年6月中国网路使用者数量与2022年12月相比增加了1,100万人。全国已有超过10亿人可以上网。预计所有这些因素结合起来将在预测期内推动该地区的即时付款市场的发展。

P2B 市场可望成长

  • 中国的即时付款已经被商家、餐厅和各类电商平台广泛采用。智慧型手机和网路的高普及率也支持了这一点。此外，由于付款可以在几秒钟内快速完成，该地区的企业和个人因其即时和便利性而被透过即时付款进行的P2B交易所吸引。
  • 随着中国行动互联网普及率高以及即时付款等快速付款结帐解决方案的出现，网路购物日益流行，这也增加了该地区的网购者数量。例如，根据CNNIC报告，截至2023年6月，中国约有8.84亿人在网路上购买商品，高于2018年的6.1011亿人。预计这将在预测期内进一步促进该地区的 P2B 即时交易。
  • 由于这种成长预计将持续下去，预计预测期内市场将见证电子商务领域的成长趋势。
  • 此外，支付宝、微信支付等主要参与者正快速成长为电子商务平台的首选付款解决方案。这些平台为网路购物购物者提供创新的即时付款解决方案，增加了该地区的 P2B 即时交易。因此，所有这些因素的结合可能会在预测期内促进中国的P2B贸易。

中国即时付款产业概况

目前，中国的即时付款市场似乎还比较固体，只有少数参与企业能够占据较大的市场份额。主要市场参与企业正在推行各种策略，包括产品创新、收购和合作，以提供创新的付款解决方案并提高其竞争地位。主要市场参与企业包括 Paypal Holdings Inc.

  • 2024 年 1 月，PayPal Holdings, Inc. 推出了重新构想的结帐和访客结帐体验、面向现金回馈的全新高级优惠平台以及一款新的消费者应用程序，让客户有更多理由赚取现金返还并使用 PayPal 购物。
  • 2023年4月，江苏省常熟市宣布计画于5月启动新的付款流程。一旦推出，中国东部某城市的公务员将以电子人民币形式领取全薪。

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
  • 中国付款环境的演变
  • 与中国无现金交易扩张相关的主要市场趋势
  • 新冠肺炎疫情对中国付款市场的影响

第五章 市场动态

  • 市场驱动因素
    • 智慧型手机的普及可望推动即时付款市场
    • 对更快付款和减少对传统银行依赖的需求日益增加
  • 市场问题
    • 付款诈骗和安全问题
    • 严格金融科技监理的挑战
  • 市场机会
    • 政府鼓励数位付款成长的措施预计将推动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
    • 中国整体监管状况
    • 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
  • 现实世界付款交易占比及主要国家交易量及金额区域分析
  • 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
    • AliPay（Alibaba Group）
    • WeChat Pay（Tencent Holdings Ltd.）
    • Paypal Holdings Inc.
    • ACI Worldwide Inc.
    • JDPay.com（JD.com）
    • FIS Global
    • Mastercard Inc.
    • VISA Inc.
    • Fiserv 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: 91097

The China Real Time Payments Market size is estimated at USD 7.24 billion in 2025, and is expected to reach USD 29.68 billion by 2030, at a CAGR of 32.6% during the forecast period (2025-2030).

China Real Time Payments - Market - IMG1

In view of the increasing number of Internet and mobile users, the growing number of bank accounts, and the increasing need for instant payments, the market is growing.

Key Highlights

  • China has a one of large population with booming access to digital technology, and the country has quickly adopted digital wallets, which are now a dominant force in the china payments market. In addition, there is a lot of room for realtime payments to grow in the region, given the high level of mobile wallet adoption in China, mainly offered by AliPay and WeChat Pay.
  • According to National Library Board Catalogue, around 60 percent of China's 1.3 billion population will have purchased via mobile payment by 2023. The significant increase in the number of transactions of real-time payments in the region is further expected to boost the real-time payments market in the region.
  • Furthermore, there's been a surge of interest in Buy now pay later services in China over the last decade. A few factors driving BNPL are unprecedentedly low-interest rates associated with BNPL payments, the growth of online payments through Alipay and WeChat Pay, as well as highly funded fintech startups that are looking to attract new clients. The BNPL services are provided by various ECommerce Platforms in the region to their customers.
  • With the country's rapid development of 5G infrastructure, new opportunities are anticipated to emerge in the Chines real-time payments market owing to the availability of a low latency network.
  • However, a series of stringent rules and regulations on fintech companies has also been implemented in the region, which may hamper the growth of the real-time payments market in the region.
  • Moreover, the COVID-19 pandemic has further spurred financial inclusion, driving a large surge in digital payments amid the expansion of formal financial services in China. After the COVID-19 pandemic, China launched its digital currency, the digital Yuan or RMB, to become a cashless society using contactless payments. Such trends are anticipated to positively influence the studied market's growth post-COVID-19.

China Real Time Payments Market Trends

Increasing Penetration of Smartphone across China to Propel the Real Time Payments Market Growth

  • The high smartphone penetration across the region supports the increasing adoption of real-time payments in China. As major real-time payment providers such as AliPay and WeChat Pay offers real-time payments through mobile applications, increased smartphone penetration is a much-needed push to flourish real-time payments in China.
  • According to GSMA, 5G subscriptions in China will likely account for nearly a third of the global total by 2030. Furthermore, the technology is expected to add USD 290 billion to the Chinese economy in 2030, spreading benefits across industries.
  • Further, with consumers in Mainland China increasingly shifting from cash to mobile-based real-time payments and skipping payment cards, real-time payments are expected to grow over the forecast period. Moreover, the high banked population and increasing internet penetration over the past few years further fuel the growth of the market.
  • The country's high internet penetration also governs the success and growth of real-time payments in China. For instance, according to China Internet Network Information Center (CNNIC), China's internet population grew by 11 million in June 2023 compared to December 2022. Over one billion people had access to internet in the country. All of the factors combined are expected to boost the real-time payments market in the region over the forecast period.

P2B Segment is Expected to Witness the Growth

  • China's real-time payments are adopted widely by shopkeepers, restaurants, and various E-commerce platforms. This is further supported by high smartphone and internet penetration. Additionally, fast and immediate payments in seconds are attracting businesses and individuals in the region to perform P2B transactions through real-time payments owing to the immediacy and ease of convenience.
  • The growing popularity of online shopping increased the number of online shoppers in the region, supported by high mobile internet penetration and fast payment checkout solutions such as real-time payments in China. For instance, as reported by CNNIC, there were about As of June 2023, about 884 million people in China had purchased goods online, compared to 610.11 million in 2018. This is further expected to boost the P2B real-time transaction in the region over the forecast period.
  • With this growth anticipated to sustain, the studied market is projected to witness an upward growth trend in the e-commerce segment during the forecast period.
  • Moreover, major players such as Alipay and WeChat Pay rapidly grow as preferred payment solutions for E-commerce platforms. These platforms offer innovative real-time payment solutions to online shoppers, increasing the P2B real-time transactions in the region. Hence, all these factors combined will likely boost the P2B transactions in China over the forecast period.

China Real Time Payments Industry Overview

The China real-time payments market appears to be semi-consolidated, as few players currently hold significant market share. Major market players provide innovative payment solutions and are involved in various strategies, such as product innovations, acquisitions, and partnerships, among others, to gain a competitive edge. Some key market players include Paypal Holdings Inc.,

  • In Januray 2024, PayPal Holdings, Inc introduces reimagined checkout and guest checkout experiences, new advanced offers platform for merchants, and new consumer app to earn cash back and give customers more reasons to shop with PayPal
  • In April 2023, Changshu, located in the province of Jiangsu, announced its plans to start a new payment process in May, which is expected to be the biggest rollout of the currency, also known as the e-CNY, in China. After the launch, In a city in eastern China, government workers will receive full pay in the electronic yuan.

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

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Rising Penetration of Smartphone is Expected to Boost the Real Time Payments Market
    • 5.1.2 Growing Need For Faster Payments and Falling Reliance on Traditional Banking
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud and Security Issues
    • 5.2.2 Challenges Related to Strict FinTech Regulations
  • 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 China
    • 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 AliPay (Alibaba Group)
    • 7.1.2 WeChat Pay (Tencent Holdings Ltd.)
    • 7.1.3 Paypal Holdings Inc.
    • 7.1.4 ACI Worldwide Inc.
    • 7.1.5 JDPay.com (JD.com)
    • 7.1.6 FIS Global
    • 7.1.7 Mastercard Inc.
    • 7.1.8 VISA Inc.
    • 7.1.9 Fiserv Inc.
    • 7.1.10 Apple Inc.

8 Investment Analysis

9 Future Outlook of the Market