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市场调查报告书
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1644839

美国即时付款：市场占有率分析、行业趋势、统计数据、成长预测（2025-2030 年）

United States 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

预计预测期内美国即时付款市场的复合年增长率为 10.12%。

美国即时支付-市场-IMG1

主要亮点

  • 全国范围内智慧型手机普及率的快速增长和客户期望的不断提高预计将支持长期市场成长。人们对能够随时随地（包括週末和节日）付款的智慧型手机的期望不断上升，这推动了市场需求。此外，对更快付款的需求不断增长，以及政府和金融机构为支持采用即时付款解决方案而增加的投资，预计将推动市场成长。
  • 随着客户寻求更灵活、便利的付款方式，对传统业务的依赖急剧下降。现有的银行基础设施无法应付付款频率。新的金融科技付款提供者和安全网关的出现正在加强即时付款市场。
  • 它将提高付款系统的效率和便利性，特别是取代支票等高成本的付款方式。即时付款还可以释放金融体系中被困的资金，并刺激引入更多新功能的竞相涌现。
  • 即时付款的安全问题和付款诈骗是可能对市场产生负面影响的因素之一。这给用户带来了不确定性，并可能限制未来即时付款技术的采用。
  • 新冠肺炎疫情在这一转变中扮演了重要角色。各国政府一直在扩大即时付款方式的范围，从而带来改变消费者行为的机会，进一步推动市场成长。

美国即时付款市场的趋势

P2B付款的兴起

  • P2B付款是指客户和企业之间的金融交易。电子商务和行动商务的持续成长是推动该领域成长的关键因素。例如，根据 Monetate；Kibo 的数据，2021 年美国网路购物订单的平均价值与 2020 年同期相比有所增加。 2021年第三季度，桌上型电脑线上订单的平均金额为177.38美元，高于去年同期的139.67美元。透过行动电话单的平均价格为 125.57 美元。
  • 付款和行动付款正在彻底改变付款方式。例如，在汽车购买等高价值 P2B付款中，资金的即时可用性和交易后确认的需求对于消费者和企业都至关重要。
  • 此外，Google等公司正在为智慧型手机用户提供更便利的付款。该技术使用相容于智慧型手机和智慧型手錶上的近距离场通讯（NFC）。用户将签帐金融卡和信用卡资讯保存在他们的 Android Pay 帐户中。用户只需将智慧型手机或手錶靠近商店的销售点终端，即可支付服务或产品费用，并透过 NFC 硬体从客户的帐户中扣除款项。
  • 美国即时付款市场的需求很大程度上是由人们对该技术的认识不断增强所推动的。自从清算所 (TCH) RTP 网路运作以来，美国众多大型银行已进入即时付款，预计数百家小型金融机构也将加入。
  • 付款行为的改变很大程度是由于疫情。美国即时付款的引入加速了从店内商务向线上商务的转变。由于政府的政策鼓励数位付款的成长，这种转变为付款参与者创造了新的机会。

零售和电子商务行业的成长

  • 虽然即时付款主要引入零售和消费市场，但其优势现在也受到了企业、商业和政府付款的青睐。这导致了该地区在过去几年中的采用速度加快。
  • 零售商正在利用数位技术和资料来为个人客製化服务、产品、体验和促销活动，从最大化供应链转向个人化需求链。预计这将在预测期内促进行动付款的发展。
  • 此外，由于电子商务供应商提供预付款和月度计划的折扣，美国的销售额正在增长。例如，亚马逊在主要市场的销售额正在成长。 2021年，美国是亚马逊最大的市场，销售额达3,140亿美元。预计此举将促进美国的即时付款。
  • 商家和零售商对即时付款的需求不断增长，推动了即时付款解决方案的采用。这些解决方案透过提供经济实惠且高效的付款方式为零售商带来了竞争优势。此外，美国各地的行动购物普及也是推动该领域成长的主要因素。

美国即时付款产业概况

市场相当分散，有 ACI Worldwide 和 Worldpay 等多家主要参与者，此外还出现了新兴企业。

  • 2021 年 9 月 - 亚洲最大的 API 基础设施公司 M2P Solutions 与总部位于多伦多的全球金融科技公司 Buckzy Payments, Inc. 建立策略伙伴关係关係，后者提供业界领先的付款解决方案。 M2P 平台透过 Buckzy 安全、可靠、便利的生态系统为北美、加拿大、拉丁美洲和欧洲市场的中东和北非地区的合作伙伴提供跨境付款。
  • 2021 年 8 月—全球付款巨头摩根大通推出了即时支付付款，希望在金融业处理更多蓬勃发展的全球数位付款的竞争中占据优势。新产品「Request for Pay」使企业客户能够透过应用程式或网站向约 5,700 万零售客户发送付款请求，从而降低企业收到付款所需的成本和时间。

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 对该国付款市场的影响

第五章 市场动态

  • 市场驱动因素
    • 智慧型手机普及率不断提高
    • 减少对传统银行业务的依赖
    • 提高便利性
  • 市场挑战
    • 付款诈骗
    • 对现金的依赖
  • 市场机会
    • 政府鼓励数位付款发展的政策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
    • 全球监管状况
    • 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
  • 分析实际支付交易占全国总交易的百分比
  • 实际支付交易占国内非现金交易的百分比分析

第六章 市场细分

  • 按类型
    • P2P
    • P2B

第七章 竞争格局

  • 公司简介
    • ACI Worldwide, Inc.
    • FIS
    • Fiserv, Inc.
    • Mastercard Inc.
    • PayPal Holdings, Inc.
    • Visa Inc.
    • Worldpay, Inc.
    • Temenos AG
    • Volante Technologies Inc
    • Montran Corporation

第八章投资分析

第九章：未来市场展望

简介目录
Product Code: 91282

The United States Real Time Payments Market is expected to register a CAGR of 10.12% during the forecast period.

United States Real Time Payments - Market - IMG1

Key Highlights

  • Surging smartphone penetration across the country and rising customer expectation are expected to support market growth in the long run. The rising expectation of individuals from smartphones to make a payment from anywhere and at any time, including on weekends and public holidays, will bolster market demand. In addition, the increasing demand for quicker payment settlements and rising investments from government and financial institutes to support the adoption of real-time payment solutions are anticipated to accelerate the market's growth.
  • The dependence on traditional banking has fallen dramatically in the past, as customers demand more flexibility and convenient ways to make payments. The existing banking infrastructure fails to cope with the payment frequency. The emergence of new fin-tech payment providers and secure gateways has enhanced the real-time payments market.
  • Increase efficiencies in the payments system and ease of convenience, particularly where they displace high-cost instruments such as cheques. Real-time payments can also release money locked up in the financial system and boost competition to incorporate more new features.
  • Security concerns in real-time payment and payment frauds are some of the factors that might affect the market adversely. It can cause uneasiness amongst come users and thus, restricts the adoption of the real-time payment technology in the future.
  • Also, the COVID-19 played a massive role in this shift; the government got the opportunity to expand the scope of real-time payment methods and change consumer behaviors, which further supported the market growth.

US Real Time Payments Market Trends

Rise in the P2B Payment

  • P2B payments refer to transactions of money between customers and businesses. The constant growth of e-commerce and mobile commerce is a key factor driving the segment's growth. For instance, as per Monetate; Kibo, The average value of U.S. online shopping orders in 2021 is increased on desktop compared to the same quarter in 2020. In the third quarter of 2021, online orders from a desktop computer had an average value of USD 177.38, up from USD 139.67 in the same period of the previous year. The orders fulfilled from the mobile phone were worth USD 125.57 on average.
  • Real-time payment and mobile payment is revolutionizing the way payments are made today. For instance, the P2B high-value payment such as a car purchase, the demand for real-time availability of funds, and confirmation after transaction is very important for both consumer and the business.
  • Additionally, companies like Google have made payments more convenient for smartphone users. The technology uses near-field communication (NFC) on supported smartphones and smartwatches. The user stores the debit or credit card information on the Android Pay account; the user can then pay for a service or item by simply placing the phone or watch near the retailer's point-of-sale terminal, which deducts the money from the customer account through NFC hardware.
  • The demand for real-time payments market in the United States is highly contributed by the increasing awareness regarding the technology. Since the first wave of early adoption went live with The Clearing House (TCH) 's RTP network, numerous large banks in the United States have signed up for real-time payment, with hundreds of smaller institutions slated to follow.
  • The shifts in payment behavior were majorly due to the pandemic. The U.S experienced the adoption of real-time payments and migration to online commerce from in-store. These shifts create new opportunities for payment players as government policies encourage the growth of digital payments, which is anticipated to aid the growth of real-time payment methods amongst consumers.

Growth in the Retail and E-commerce Sector

  • Real-time payments were introduced primarily for retail/consumer, but now the benefits it can offer, corporate, business, and government payments are taking advantage of them. This has accelerated the adoption in the last few years in the region.
  • The retail sector is growing exponentially; retail companies are using digital technologies and data to tailor services, products, experiences, and promotions to the individual and shift from maximizing supply chains to personalizing demand chains. This will boost the mobile payments method in the forecast time frame.
  • Additionally, the United States is experiencing growth in sales as the eCommerce vendors are providing discounts on prepayments and monthly subscriptions. For instance, Amazon has witnessed growth in sales across selected leading markets. The net sales in the United States were Amazon's biggest market in 2021as; it generated USD 314 billion in net sales. This is expected to promote real-time payment methods in the United States.
  • The surging demand for instant payment settlement from merchants and retailers has augmented the adoption of real-time payment solutions. These solutions provide a competitive edge to the retailers by offering them an affordable and efficient mode of payment. The proliferation preference for mobile-based shopping across the United States is also emerging as a major driver for the growth of this segment.

US Real Time Payments Industry Overview

The market is moderately fragmented with the presence of various large players like ACI Worldwide, Worldpay and the emergence of new start-ups.

  • September 2021 - M2P Solutions, Asia's largest API infrastructure company, signed a strategic partnership with Buckzy Payments, Inc, a Toronto-based global fintech delivering industry-leading payment solutions. M2P's platform will enable cross-border payments for its partners in the MENA region through Buckzy's safe, secure and convenient ecosystem to markets spanning North America, Canada, Latin America, and Europe.
  • August 2021 - JPMorgan Chase & Company, a global payments giant has launched a real-time payments option that it hopes will increase its edge in the financial industry's battle to handle more of the surging volumes of global digital payments. The new product, Request for Pay, lets corporate clients send payment requests to the bank's roughly 57 million retail clients who use its app or website, cutting the cost and time it takes for those companies to get paid.

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 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 Dependence 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 in the Country
  • 5.7 Analysis of Real Payments Transactions as a share of Non-Cash Transactions in the Country

6 MARKET SEGMENTATION

  • 6.1 By Type
    • 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
    • 7.1.3 Fiserv, Inc.
    • 7.1.4 Mastercard Inc.
    • 7.1.5 PayPal Holdings, Inc.
    • 7.1.6 Visa Inc.
    • 7.1.7 Worldpay, Inc.
    • 7.1.8 Temenos AG
    • 7.1.9 Volante Technologies Inc
    • 7.1.10 Montran Corporation

8 INVESTMENT ANALYSIS

9 FUTURE OUTLOOK OF THE MARKET