2023-2030 年全球医疗保健市场数位支付
市场调查报告书
商品编码
1350996

2023-2030 年全球医疗保健市场数位支付

Global Digital Payment in Healthcare Market 2023-2030

出版日期: | 出版商: Orion Market Research | 英文 118 Pages | 商品交期: 2-3个工作天内

价格

预计在预测期内,全球医疗保健市场的数位支付将以 20.2% 的复合年增长率成长。由于技术采用不断增加、消费者对便利性的偏好、监管支援、安全和诈欺预防、与医疗保健系统的整合以及COVID-19 大流行的影响等因素,医疗保健市场的数位支付正在经历显着的成长和转型。例如,2022 年 6 月,医疗保险和医疗补助服务中心 (CMS) 制定了电子资金转帐 (EFT) 和电子汇款建议 (ERA) 标准,以帮助简化医疗保健支付并降低管理成本。医疗保健领域的数位支付解决方案提供电子交易和技术来处理与医疗保健服务、医疗帐单、保险索赔和其他医疗保健相关的金融交易相关的付款。这些解决方案旨在提高效率、降低管理成本、增强安全性并为医疗保健提供者和患者提供便利。

细分市场前景

全球医疗保健市场数位支付根据其组件解决方案、部署和组织规模进行细分。根据组件解决方案,市场分为解决方案和服务。根据部署,市场分为本地和云端。根据组织规模,市场分为中小企业和大型企业。在部署中,基于云端的细分市场预计将在未来几年显着成长。基于云端的支付解决方案的便利性、高效和非接触式特性使其对患者和医疗保健提供者都有吸引力。增强的安全措施增强了病患对其财务资料保护的信心。这些支付系统与现有的医疗保健管理平台无缝集成,减少营运费用并促进全球影响力。

医疗保健领域基于软体的子细分市场数位支付预计将显着增长

由于几个引人注目的因素,医疗保健领域基于软体的数位支付细分市场有望大幅成长。其中包括对数位医疗服务日益增长的需求、对方便易用的支付解决方案的需求、有效管理成本和收入周期的动力、遵守安全法规、与电子健康记录(EHR) 的整合以及促进数位医疗创新的政府措施。例如,2022 年 11 月,Nomi Health 推出了商业作业系统和支付平台 Nomi Connect。该平台使组织能够直接购买医疗保健并即时向提供者付款。 Nomi Connect 旨在使即时医疗保健支付成为现实,改善访问并降低成本。

区域展望

全球医疗保健数位支付市场按地域进一步细分,包括北美(美国和加拿大)、欧洲(义大利、西班牙、德国、法国等)、亚太地区(印度、中国、日本、韩国)等)以及世界其他地区(中东和非洲以及拉丁美洲)。其中,欧洲市场预计将在预测期内显着成长。欧洲医疗保健市场数位支付的成长是由对快速、无忧交易服务的需求不断增长、医疗保健软体新创公司建立数位支付方式、不断变化的消费者行为、技术创新和监管发展所推动的。

预计在预测期内,北美将在医疗保健市场的数位支付中占据重要份额

北美,特别是美国和加拿大,一直是医疗保健市场数位支付的重要参与者。这种成长归功于其先进的医疗基础设施和技术的广泛采用。推动市场成长的其他因素是数位支付方式提供的便利性、效率和安全性。此外,主要市场参与者位于美国地区,进一步巩固了其重要性。为了保持在市场上的竞争优势,这些产业领导者正在实施多样化的策略,包括合併、收购、合作、协作、融资计划以及推出新颖的软体和服务。例如,2021年6月,美国银行完成了医疗支付解决方案公司AxiaMed的收购。此次收购旨在实现医疗支出数位化,提供简化的支付系统。此外,此次收购的主要目标是增强患者和提供者的医疗支付体验,符合产业数位化的更广泛趋势。

市场参与者展望

服务于全球医疗保健市场数位支付的主要公司包括: Fiserv, Inc、Aliant Payments、First Data Corp.、Worldpay, LLC 和 Payments Direct, Inc 等。这些市场参与者透过采用併购、合作、合作、融资和新产品发布等各种策略来维持市场竞争力,为市场成长做出了重大贡献。他们的创新产品和对满足客户需求的关注正在推动市场向前发展。例如,2021年1月,Fiserv和First Data Corporation联手,形成了支付和金融科技领域的主导实体。此次合併价值 220 亿美元,两家产业领导者齐聚一堂,打造支付和金融科技领域的强大企业。透过结合双方的优势,新成立的公司扩大了规模,并成为支付和金融科技领域的全球领跑者。作为合併协议中概述的流程的一部分,Fiserv 计划提交表格 S-4 上的註册声明,以正式确定拟议的交易。

报告涵盖:

  • 2022年市场价​​值数据分析及2030年预测。
  • 每个细分市场的年化市场收入(百万美元)。
  • 主要地理区域的国家分析。
  • 全球医疗保健市场数位支付领域的主要公司。根据现有数据,报告中还提供了与新产品发布相关的资讯以及相关新闻。
  • 透过确定未来强劲成长的关键细分市场来分析业务策略。
  • 市场进入和市场扩张策略分析。
  • 透过识别市场中「谁的立场」来制定竞争策略。

目录

第 1 章:报告摘要

  • 目前行业分析及成长潜力展望
  • 研究方法和工具
  • 市场区隔
    • 按细分
    • 按地区

第 2 章:市场概述与见解

  • 报告范围
  • 分析师见解和当前市场趋势
    • 主要发现
    • 建议
    • 结论

第 3 章:竞争格局

  • 主要公司分析
  • Aliant Payments
    • 概述
    • 财务分析
    • SWOT分析
    • 最近的发展
  • Fiserv, Inc
    • 概述
    • 财务分析
    • SWOT分析
    • 最近的发展
  • First Data Corp.
    • 概述
    • 财务分析
    • SWOT分析
    • 最近的发展
  • Payments Direct, Inc
    • 概述
    • 财务分析
    • SWOT分析
    • 最近的发展
  • Worldpay, LLC
    • 概述
    • 财务分析
    • SWOT分析
    • 最近的发展
  • 关键策略分析

第 4 章:市场细分

  • 全球医疗保健市场数位支付(按组件解决方案)
    • 解决方案
    • 服务
  • 全球医疗保健市场数位支付的部署
    • 本地部署
  • 按组织规模分類的全球医疗保健市场数位支付
    • 中小企业 (SME)
    • 大型企业

第 5 章:区域分析

  • 北美洲
    • 美国
    • 加拿大
  • 欧洲
    • 英国
    • 德国
    • 义大利
    • 西班牙
    • 法国
    • 欧洲其他地区
  • 亚太
    • 中国
    • 印度
    • 日本
    • 韩国
    • 亚太其他地区
  • 世界其他地区

第 6 章:公司简介

  • Square, Inc.
  • Stripe
  • Adyen
  • Alipay
  • WeChat Pay
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa Inc.
  • Mastercard
  • American Express
  • Fiserv, Inc.
  • Paysafe Group
  • Paytm
  • Razorpay
  • Doktor.se
  • Medisafe
  • doctolib
  • Zocdoc
  • Practo
  • HealthTap
  • Amwell
  • Teladoc Health
  • Doctor on Demand
  • MDLive
Product Code: OMR2027594

Title: Global Digital Payment in Healthcare Market Size, Share & Trends Analysis Report by Component Solution (Solution and Service), by Deployment (On-Premises and Cloud), and by Organization Size (Small and Medium-Sized Enterprises (SMEs) and Large Enterprises),Forecast Period (2023-2030).

The global digital payment in healthcare market is anticipated to grow at a considerable CAGR of 20.2% during the forecast period. The digital payment in healthcare market is experiencing significant growth and transformation due to factors such as the rising technology adoption, consumer preference for convenience, regulatory support, security and fraud prevention, integration with healthcare systems, and the impact of the COVID-19 pandemic. For instance, in June 2022, the Centers for Medicare & Medicaid Services (CMS) established standards for electronic funds transfer (EFT) and electronic remittance advice (ERA) to help streamline healthcare payment and reduce administrative costs. Digital payment solutions in healthcare offer electronic transactions and technologies to process payments related to healthcare services, medical bills, insurance claims, and other healthcare-related financial transactions. These solutions aim to improve efficiency, reduce administrative costs, enhance security, and provide convenience to both healthcare providers and patients.

Segmental Outlook

The global digital payment in healthcare market is segmented based on its component solution, deployment and organization size. Based on component solution, the market is segmented into solution and service. Based on the deployment, the market is categorized into on-premise and cloud. Based on the organization size, the market is segmented into SMEs and large enterprises. Among the deployment, cloud-based sub-segment is anticipated to register significant growth over the coming years. The convenience, efficiency, and contactless nature of cloud-based payment solutions make them appealing to both patients and healthcare providers. Enhanced security measures instill confidence in patients regarding the protection of their financial data. These payment systems seamlessly integrate with existing healthcare management platforms, reducing operational expenses and promoting a global reach.

Software based sub segment digital payment in healthcare anticipated to register significant growth

The software-based subsegment of digital payment in healthcare is poised for substantial growth due to several compelling factors. These includes the increasing demand for digital health services, the need for convenient and accessible payment solution, the drive to manage costs and revenue cycles effectively, compliance with security regulations, integration with electronic health records (EHR), and governmental initiatives promoting digital health innovations. For instance, in November 2022, Nomi Health launched Nomi Connect, a business operating system and payment platform. The platform enables organizations to purchase healthcare directly and providers to be paid in real time. Nomi Connect aims to make real-time healthcare payments a reality, improving access and reducing costs.

Regional Outlook

The global digital payment in healthcare market is further segmented based on geography, including North America (the US and Canada), Europe (Italy, Spain, Germany, France, and others), Asia-Pacific (India, China, Japan, South Korea, and others), and the Rest of the World (the Middle East & Africa, and Latin America). Among these, the Europe market is anticipated to cater to a prominent growth over the forecast period. The growth of digital payment in the healthcare market in Europe is driven by increasing demand for fast and hassle-free transaction services, establishment of digital payment methods in healthcare software start-ups, changing consumer behavior, technological innovation, and regulatory developments.

North America is anticipated to Hold a Significant Share of the Digital Payment in Healthcare Market during the Forecast Period

North America, particularly the US and Canada, has been a significant player in the digital payment in healthcare market. This growth is attributed to its advanced healthcare infrastructure and the widespread adoption of technology. Other factor propelling the market growth is owing to the offered be convenience, efficiency, and security of digital payment methods. Additionally, the major market players are in the US region, further solidifying its significance. To maintain their competitive edge in the market, these industry leaders are implementing diverse strategies, including mergers, acquisitions, partnerships, collaborations, funding initiatives, and the launch of novel software and services. For instance, in June 2021, Bank of America completed the acquisition of AxiaMed, a healthcare payment solutions company. The acquisition aims to digitize healthcare payment, offering a simplified and streamlined payment system. Additionally, the major goal of this acquisition is to enhance the healthcare payment experience for both patients and providers, aligning with the broader trend of digitalization in the industry.

Market Players Outlook

The major companies serving the global digital payment in healthcare market include: Fiserv, Inc, Aliant Payments, First Data Corp., Worldpay, LLC, and Payments Direct, Inc, among others. These market players contribute significantly to the market growth through the adoption of various strategies such as mergers and acquisitions, partnerships, collaborations, funding, and new product launches to stay competitive in the market. Their innovative products and focus on meeting customer requirements are driving the market forward. For instance, in January 2021, Fiserv and First Data Corporation joined forces, forming a dominant entity in the payments and financial technology sector. This merger, valued at $22 billion, brings together two industry leaders to create a powerhouse in the field of payments and fintech. By combining their strengths, the newly formed company gains enhanced scale and establishes itself as a global frontrunner in the realm of payments and financial technology. As part of the process outlined in the Merger Agreement, Fiserv is planning to submit a registration statement on Form S-4 to formalize the proposed transaction.

The Report Covers:

  • Market value data analysis of 2022 and forecast to 2030.
  • Annualized market revenues ($ million) for each market segment.
  • Country-wise analysis of major geographical regions.
  • Key companies operating in the global digital payment in healthcare market. Based on the availability of data, information related to new product launches, and relevant news is also available in the report.
  • Analysis of business strategies by identifying the key market segments positioned for strong growth in the future.
  • Analysis of market-entry and market expansion strategies.
  • Competitive strategies by identifying 'who-stands-where' in the market.

Table of Contents

1. Report Summary

  • Current Industry Analysis and Growth Potential Outlook
  • 1.1. Research Methods and Tools
  • 1.2. Market Breakdown
    • 1.2.1. By Segments
    • 1.2.2. By Region

2. Market Overview and Insights

  • 2.1. Scope of the Report
  • 2.2. Analyst Insight & Current Market Trends
    • 2.2.1. Key Findings
    • 2.2.2. Recommendations
    • 2.2.3. Conclusion

3. Competitive Landscape

  • 3.1. Key Company Analysis
  • 3.2. Aliant Payments
    • 3.2.1. Overview
    • 3.2.2. Financial Analysis
    • 3.2.3. SWOT Analysis
    • 3.2.4. Recent Developments
  • 3.3. Fiserv, Inc
    • 3.3.1. Overview
    • 3.3.2. Financial Analysis
    • 3.3.3. SWOT Analysis
    • 3.3.4. Recent Developments
  • 3.4. First Data Corp.
    • 3.4.1. Overview
    • 3.4.2. Financial Analysis
    • 3.4.3. SWOT Analysis
    • 3.4.4. Recent Developments
  • 3.5. Payments Direct, Inc
    • 3.5.1. Overview
    • 3.5.2. Financial Analysis
    • 3.5.3. SWOT Analysis
    • 3.5.4. Recent Developments
  • 3.6. Worldpay, LLC
    • 3.6.1. Overview
    • 3.6.2. Financial Analysis
    • 3.6.3. SWOT Analysis
    • 3.6.4. Recent Developments
  • 3.7. Key Strategy Analysis

4. Market Segmentation

  • 4.1. Global Digital Payment in Healthcare Market by Component Solution
    • 4.1.1. Solution
    • 4.1.2. Service
  • 4.2. Global Digital Payment in Healthcare Market by Deployment
    • 4.2.1. On-Premise
    • 4.2.2. Cloud
  • 4.3. Global Digital Payment in Healthcare Market by Organization Size
    • 4.3.1. Small and Medium-Sized Enterprises (SMEs)
    • 4.3.2. Large Enterprises

5. Regional Analysis

  • 5.1. North America
    • 5.1.1. United States
    • 5.1.2. Canada
  • 5.2. Europe
    • 5.2.1. UK
    • 5.2.2. Germany
    • 5.2.3. Italy
    • 5.2.4. Spain
    • 5.2.5. France
    • 5.2.6. Rest of Europe
  • 5.3. Asia-Pacific
    • 5.3.1. China
    • 5.3.2. India
    • 5.3.3. Japan
    • 5.3.4. South Korea
    • 5.3.5. Rest of Asia-Pacific
  • 5.4. Rest of the World

6. Company Profiles

  • 6.1. Square, Inc.
  • 6.2. Stripe
  • 6.3. Adyen
  • 6.4. Alipay
  • 6.5. WeChat Pay
  • 6.6. Apple Pay
  • 6.7. Google Pay
  • 6.8. Samsung Pay
  • 6.9. Visa Inc.
  • 6.10. Mastercard
  • 6.11. American Express
  • 6.12. Fiserv, Inc.
  • 6.13. Paysafe Group
  • 6.14. Paytm
  • 6.15. Razorpay
  • 6.16. Doktor.se
  • 6.17. Medisafe
  • 6.18. doctolib
  • 6.19. Zocdoc
  • 6.20. Practo
  • 6.21. HealthTap
  • 6.22. Amwell
  • 6.23. Teladoc Health
  • 6.24. Doctor on Demand
  • 6.25. MDLive

LIST OF TABLES

  • 1. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COMPONENT SOLUTION, 2022-2030 ($ MILLION)
  • 2. GLOBAL SOLUTIONS BY DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 3. GLOBAL SERVICES BY DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 4. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY DEPLOYMENT, 2022-2030 ($ MILLION)
  • 5. GLOBAL ON-PREMISES BASED DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 6. GLOBAL CLOUD-BASED DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 7. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY ORGANIZATION SIZE, 2022-2030 ($ MILLION)
  • 8. GLOBAL DIGITAL PAYMENT IN HEALTHCARE FOR SMALL AND MEDIUM-SIZED ENTERPRISES (SMES) MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 9. GLOBAL DIGITAL PAYMENT IN HEALTHCARE FOR LARGE ENTERPRISES MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 10. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 11. NORTH AMERICAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 12. NORTH AMERICAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COMPONENT SOLUTION, 2022-2030 ($ MILLION)
  • 13. NORTH AMERICAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY DEPLOYMENT, 2022-2030 ($ MILLION)
  • 14. NORTH AMERICAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY ORGANIZATION SIZE, 2022-2030 ($ MILLION)
  • 15. EUROPEAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 16. EUROPEAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COMPONENT SOLUTION, 2022-2030 ($ MILLION)
  • 17. EUROPEAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY DEPLOYMENT, 2022-2030 ($ MILLION)
  • 18. EUROPEAN DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY ORGANIZATION SIZE, 2022-2030 ($ MILLION)
  • 19. ASIA-PACIFIC DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 20. ASIA-PACIFIC DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COMPONENT SOLUTION, 2022-2030 ($ MILLION)
  • 21. ASIA-PACIFIC DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY DEPLOYMENT, 2022-2030 ($ MILLION)
  • 22. ASIA-PACIFIC DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY ORGANIZATION SIZE, 2022-2030 ($ MILLION)
  • 23. REST OF THE WORLD DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 24. REST OF THE WORLD DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY COMPONENT SOLUTION, 2022-2030 ($ MILLION)
  • 25. REST OF THE WORLD DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY DEPLOYMENT, 2022-2030 ($ MILLION)
  • 26. REST OF THE WORLD DIGITAL PAYMENT IN HEALTHCARE MARKET RESEARCH AND ANALYSIS BY ORGANIZATION SIZE, 2022-2030 ($ MILLION)

LIST OF FIGURES

  • 1. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY COMPONENT SOLUTION, 2022 VS 2030 (%)
  • 2. GLOBAL SOLUTIONS BY DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 3. GLOBAL SERVICES BY DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 4. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY DEPLOYMENT, 2022 VS 2030 (%)
  • 5. GLOBAL ON-PREMISES BASED DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 6. GLOBAL CLOUD-BASED DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 7. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY ORGANIZATION SIZE, 2022 VS 2030 (%)
  • 8. GLOBAL DIGITAL PAYMENT IN HEALTHCARE FOR SMALL AND MEDIUM-SIZED ENTERPRISES (SMES) MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 9. GLOBAL DIGITAL PAYMENT IN HEALTHCARE FOR LARGE ENTERPRISES MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 10. GLOBAL DIGITAL PAYMENT IN HEALTHCARE MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 11. US DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 12. CANADA DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 13. UK DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 14. FRANCE DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 15. GERMANY DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 16. ITALY DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 17. SPAIN DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 18. REST OF EUROPE DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 19. INDIA DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 20. CHINA DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 21. JAPAN DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 22. SOUTH KOREA DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 23. REST OF ASIA-PACIFIC DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)
  • 24. REST OF THE WORLD DIGITAL PAYMENT IN HEALTHCARE MARKET SIZE, 2022-2030 ($ MILLION)