美国的行动电子钱包市场:类型·技术·终端用户·各地区的机会及预测 (2018-2032年)

受数位支付、智慧型手机普及和非接触式交易兴起的推动，美国行动钱包市场预计将从 2024 年的 25.2 亿美元增长到 2032 年的 67.6 亿美元，预测期内的复合年增长率为 13.12%。

行动钱包不仅不断扩张，而且正在成为人们日常生活中不可或缺的一部分。从在自助结帐柜檯刷智慧型手机到几秒钟内分摊晚餐帐单，数位支付已不再是一种选择，而是一种常态。

虽然疫情无疑促进了行动钱包的普及，但 2023 年及以后形成的行为模式将决定行动钱包的普及程度。随着点对点 (P2P) 支付成为主流，店内支付的接受度也不断提高。从全国性零售商到专卖店，行动钱包越来越多地引入奖励计划，以维护客户忠诚度。

大型科技公司、金融科技公司、银行，甚至咖啡连锁店，不仅在争夺交易量，也在争夺消费者的认知度。如今的消费者期望无缝、安全且个人化的支付体验，并认为如果超过两次点击就太晚了。

本报告研究了美国行动钱包市场，并提供了市场定义和概述、市场规模趋势和预测、细分市场的详细分析、案例研究、影响市场成长的因素分析、竞争格局以及主要公司的概况。

目录

第1章 计划的范围和定义

第2章 调查手法

第3章 摘要整理

第4章 客户的迴响

• 受访者的人口统计
• 行动电子钱包的认知度
• 行动电子钱包期待的主要功能
• 主要的促进因素与采用

第5章 美国的行动电子钱包市场展望

• 市场规模的分析·预测
• 市场占有率的分析·预测
  • 类别
    • 接近手机付款
    • 手机远程支付
    • P2P传输
  • 各技术
    • NFC
    • QR编码
    • 磁安全变速箱
    • 其他
  • 各终端用户
    • 个人
    • 企业
  • 各地区
    • 东北部
    • 西南部
    • 西部
    • 东南部
    • 中西部
  • 各企业市场占有率分析(前五名公司以及其他)
• 市场地图分析

第6章 供需分析

第7章 价值链分析

第8章 波特的五力分析

第9章 大环境分析

第10章 市场动态

• 推动市场要素
• 市场课题

第11章 市场趋势·发展

第12章 收益模式分析(最大努力原则)

第13章 案例研究

第14章 竞争情形

• 前五名公司的竞争矩阵
• 前五名公司的SWOT分析
• 前十大企业的形势
  • Apple Inc.(Apple Pay)
  • Google LLC (Google Pay)
  • Block, Inc. (Cash App)
  • Meta Platforms, Inc.
  • Zelle (Early Warning Services, LLC)
  • Starbucks Corporation (Starbucks App)
  • Square, Inc.
  • Walmart Inc. (Walmart+ Pay)
  • Amazon.com, Inc. (Amazon Pay)
  • Samsung Electronics Co. Ltd.

第15章 策略性建议

第16章 关于调查公司·免责声明

United States mobile wallet market is projected to witness a CAGR of 13.12% during the forecast period 2025-2032, growing from USD 2.52 billion in 2024 to USD 6.76 billion in 2032F, owing to increasing adoption of digital payments, smartphone penetration, and the rise of contactless transactions. America's mobile wallet market is not just growing; it is becoming an integral part of daily life. From tapping phones at self-checkout counters to splitting dinner bills in seconds, digital payments are no longer optional.

The pandemic may have sparked adoption, but it is the behavior that follows in 2023 that is defining permanence. In-store acceptance has expanded as peer-to-peer (P2P) payments have become mainstream. Retailers, both national and niche, are integrating loyalty into digital wallets to retain customers.

Big Tech, fintech disruptors, banks, and even coffee chains are competing, not just for transaction volume, but for mindshare. Consumers now expect seamless, secure, and personalized payment experiences. If it takes more than two taps, it is already too slow.

For instance, in May 2025, Block/Square began rolling out Bitcoin payments via Lightning Network on Square terminals, emphasizing innovation in merchant-facing wallets and signifying a growing bridge between crypto and everyday commerce.

Explosive Growth of Contactless and NFC Payments Leads to Market Growth

Near Field Communication (NFC) has become a dominant force in retail. Apple Pay, Google Pay, and Samsung Pay are no longer future-forward; they are foundational. This shift is not just tech, it is trust. Americans want speed, security, and zero friction at checkout. The COVID-19 pandemic accelerated demand for hygienic, touch-free payments. According to Visa, in 2023, over 80% of U.S. card terminals now support contactless payments. NFC transactions take less than 1 second, compared to 3-5 seconds for chip cards.

For instance, in February 2022, Apple's NFC adoption in the United States ripened further with the nationwide rollout of "Tap to Pay on iPhone." This feature enables merchants to accept Apple Pay and contactless cards using only their iPhone, eliminating the need for a terminal.

Businesses Embrace Wallet-Based Loyalty and In-App Commerce

The growing integration of wallet-based loyalty programs and in-app commerce is significantly boosting the United States mobile wallet market, as businesses increasingly adopt these features to enhance customer engagement and drive sales. Major retailers, such as Starbucks, Walmart, and Target, have successfully leveraged mobile wallets to combine seamless payments with personalized rewards, discounts, and targeted promotions, thereby encouraging repeat usage.

For instance, in February 2024, Starbucks Corporation reported that over 55% of its United States orders were placed via its mobile app, which also serves as a wallet, loyalty platform, and order manager. Starbucks Rewards users loaded over USD 2 billion into the app last year alone.

Whereas, Walmart+, Square, and Amazon Pay are integrating offers, cash back, and subscriptions directly into the payment flow. The wallet is the new storefront.

Peer-to-Peer Transfers Dominates the United States Market Growth

P2P payments have moved from convenience to infrastructure. Whether it is rent, babysitting, or splitting gas, cash is out; apps are in. The convenience of instant cashless transactions has made P2P payments a daily habit for millions, particularly among younger demographics, such as Millennials and Gen Z. This surge in P2P transactions has directly fueled mobile wallet usage, as many users link their digital wallets to these platforms for seamless funding and withdrawals. Additionally, social payment features (such as Venmo's feed or Cash App's Cashtags) have embedded peer-to-peer (P2P) payments into everyday social interactions, further accelerating adoption.

In January 2024, Zelle, an app widely used for P2P transactions, reported processing over USD 800 billion in transfers for 2023, with a 28% YoY increase in consumer-to-consumer transactions. Unlike other wallets, Zelle's integration with 1,800+ United States banks gives it an unmatched network effect.

Key Players Landscape and Outlook

The United States mobile wallet market is a battleground of ecosystems. Apple Pay leads in NFC retail transactions, benefiting from iPhone's hardware dominance. Google Pay and Samsung Pay maintain traction across Android devices, especially in big-box retail and transit. Cash App (by Block, Inc.) dominates P2P among younger users with social features and crypto integration.

Zelle, backed by United States banks, operates at scale with direct bank transfers via P2P. Meanwhile, Starbucks and Walmart are redefining branded wallets, blending payments with rewards, inventory, and mobile ordering. Amazon Pay supports merchant checkout across thousands of websites in the United States. The market is maturing into two camps: platform wallets (such as Apple, Google, and Zelle) and merchant-driven apps (like Starbucks and Walmart). Both are converging on the same goal, owning the transaction and the customer relationship.

For instance, in October 2024, Apple Inc. announced a significant expansion of its Business Connect platform, enabling businesses of all sizes, including those without a physical location, to manage how their brand appears to over 1 billion Apple users worldwide. For the first time, any verified business can establish a consistent brand and location presence across key Apple apps, including Maps, Wallet, and Mail. Businesses can now manage their appearance in Apple Wallet, enabling them to create a visual brand identity that reaches customers directly through the Wallet app.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

• 4.1. Respondent Demographics
• 4.2. Awareness of Mobile Wallet
• 4.3. Key Features Expected in Mobile Wallets
• 4.4. Key Drivers and Adoption

5. United States Mobile Wallet Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Type
    • 5.2.1.1. Proximity Mobile Payments
    • 5.2.1.2. Remote Mobile Payments
    • 5.2.1.3. Peer-to-Peer Transfers
  • 5.2.2. By Technology
    • 5.2.2.1. Near Field Communication
    • 5.2.2.2. QR Code
    • 5.2.2.3. Magnetic Secure Transmission
    • 5.2.2.4. Others
  • 5.2.3. By End-users
    • 5.2.3.1. Individual
    • 5.2.3.2. Businesses
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Southwest
    • 5.2.4.3. West
    • 5.2.4.4. Southeast
    • 5.2.4.5. Midwest
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Type
  • 5.3.2. By Technology
  • 5.3.3. By End-users
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Revenue Model Analysis (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Apple Inc. (Apple Pay)
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Google LLC (Google Pay)
  • 14.3.3. Block, Inc. (Cash App)
  • 14.3.4. Meta Platforms, Inc.
  • 14.3.5. Zelle (Early Warning Services, LLC)
  • 14.3.6. Starbucks Corporation (Starbucks App)
  • 14.3.7. Square, Inc.
  • 14.3.8. Walmart Inc. (Walmart+ Pay)
  • 14.3.9. Amazon.com, Inc. (Amazon Pay)
  • 14.3.10. Samsung Electronics Co. Ltd.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States Mobile Wallet Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States Mobile Wallet Market Share (%), By Type, 2018-2032F
• Figure 3. United States Mobile Wallet Market Share (%), By Technology, 2018-2032F
• Figure 4. United States Mobile Wallet Market Share (%), By End-user, 2018-2032F
• Figure 5. United States Mobile Wallet Market Share (%), By Region, 2018-2032F
• Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024