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市场调查报告书
商品编码
1363925
全球企业对企业 (B2B) 数位支付市场 2023-2030Global Business-to-Business (B2B) Digital Payment Market 2023-2030 |
全球B2B数位支付市场根据解决方案、支付方式、垂直行业和技术进行细分。根据此解决方案,市场分为支付网关、支付处理、行动支付应用程式等。依支付方式,市场分为银行卡、数位钱包、网路银行等。此外,根据垂直行业,市场分为 BFSI、医疗保健、IT 和电信、旅游和酒店、媒体和娱乐、零售和电子商务、交通运输等。根据交易类型,市场分为国内和跨境。在交易类型中,跨国细分市场预计将占据相当大的市场份额,跨国交易对国际贸易至关重要,因为它们让企业跨国交换货币和商品/服务。过去,这些交易遇到了昂贵的费用、昂贵的货币兑换和漫长的结算时间等问题。然而,线上支付方式的扩展。
全球对现金替代品的需求不断增长以及经济型信用卡的可用性推动了全球信用卡支付的成长。发卡银行和其他金融机构提供多种不同的信用卡,包括商务卡、担保卡、预付卡和数位卡。随着近场通讯(NFC) 技术的出现,客户只需在支付终端上刷卡即可快速、安全地进行购买,并且由于COVID-19,随着客户和企业寻找非接触式替代品,这种趋势愈演愈烈。减少身体接触。此外,各种企业组织正在向其员工提供信用卡,以追踪员工在旅行、购买库存或用品以及其他责任方面的支出,这推动了市场的成长。在许多国家,借记卡的使用也变得如此普遍,以至于它已经完全取代或超过了支票,在某些情况下甚至超过了现金交易量。
虚拟卡为每笔交易产生独特的资料,增强安全性并降低诈欺的可能性。这在 B2B 领域尤其重要,因为保密性和可信度是该领域的关键。虚拟卡对于供应商关係也很有用,因为它们允许快速、安全的付款。它们与会计软体的交互作用使对帐和报告变得更加容易,同时提供更好的财务控制。
全球B2B数位支付市场根据地理位置进一步细分,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、和其他)以及世界其他地区(中东和非洲以及拉丁美洲)。其中,由于该地区电子商务平台数量不断增加,预计北美区域市场在预测期内将大幅增长,从而推动在线交易的增长,因为消费者越来越喜欢在线购物使用数位钱包或信用卡而不是现金或金融卡。
预计亚太地区的 B2B 数位支付市场在预测期内将以最高的复合年增长率成长。中国、日本、印度、澳新银行和亚太其他地区在该地区的 B2B 数位支付市场中做出了巨大贡献。跨境支付解决方案的创建是为了应对该地区不断扩大的商业。根据国际贸易管理局 (ITA) 的数据,中国是全球最大的电子商务市场,产生了全球近 50% 的交易量。 2021年,中国跨境电商进出口额达2,730亿美元,年增15%。根据中国商务部统计,今年一季度,跨境电商贸易规模达600亿美元。此外,由于智慧型手机的普及,行动支付的使用增加,传统银行也透过提供专为企业设计的网路银行来因应。据印度品牌资产基金会(IBEF) 称,印度智慧型手机基数也显着增加,预计到2026 年将达到10 亿部。这对印度的数位产业有帮助,预计到2030 年将达到1 兆美元。网路用户的快速成长和智慧型手机的普及加上收入的增加促进了印度电子商务产业的成长。儘管取得了进步,但互通性和不安全性问题仍然存在,凸显了 B2B 支付生态系统进一步发展的必要性。
服务全球 B2B 数位支付市场的主要公司包括 PayPal Inc.、Fiserv, Inc.、Mastercard International, Inc.、Stripe, Inc.、Visa, Inc. 等。市场参与者透过各种策略(包括併购、合作、合作、融资和新产品发布),为市场成长做出了巨大贡献,以保持市场竞争力。例如,2023 年 6 月,FIS 宣布与 Visa 建立合作关係,使符合资格的 FIS 英国商家 Worldpay 能够首次使用 Visa 分期付款结帐功能接受付款。在 Visa 分期付款的协助下,合作伙伴 Visa 发卡机构可以在销售点为其符合资格的持卡人提供灵活、明确的分期付款选择。
Title: Global Business-to-Business (B2B) Digital Payment Market Size, Share & Trends Analysis Report by Solution (Payment Gateway, Payment Processing, Mobile Payment Application and Others), by Payment Method (Bank Cards, Digital Wallet, Net Banking, and Others), by Industry Verticals (BFSI, Healthcare, IT & Telecom, Travel and Hospitality, Media & Entertainment, Retail & E-Commerce, Transportation, and Others), and by Transaction Type (Domestic and Cross-border)Forecast Period (2023-2030).
Global B2B digital payment market is anticipated to grow at a CAGR of 15.8% during the forecast period. The primary factor boosting the market growth includes the increase in customer preference for real-time payments globally. Innovative payment methods including peer-to-peer platforms, digital wallets, and blockchain-based payments have all been made possible by the expansion of the fintech industry. These developments have helped to diversify the available B2B digital payment methods. Businesses have been urged to use safe and compliant payment systems by evolving legislation regarding financial transactions and data protection. Additionally, government initiatives are expected increase the demand of online payment and services in B2B globally. These is the another factor fueling the B2B digital payment market.
The global B2B digital payment market is segmented based on the solution, payment method, industry vertical, and technology. Based on the solution, the market is segmented into payment gateway, payment processing, mobile payment application and others. Based on the payment method, the market is sub-segmented into bank cards, digital wallet, net banking and others. Further, based on industry vertical, the market is segmented into BFSI, healthcare, IT & telecom, travel and hospitality, media & entertainment, retail & e-commerce, transportation, and others. Based on transaction type, the market is segmented into domestic and cross-border. Among the transaction type, cross border sub-segment is anticipated to hold a considerable share of the market, cross-border transactions are crucial to international trade since they let companies exchange money and goods/services across borders. In the past, these transactions have had trouble with things like expensive fees, expensive currency conversions, and lengthy settlement timeframes. However, the expansion of online payment methods.
Rising demand for cash alternatives and availability of economical credit cards across the globe boost the growth of the global credit card payment. There are many different credit cards available, including business, secured, prepaid, and digital cards, from issuing banks and other financial institutions. With the advent of near-field communication (NFC) technology, customers may quickly and securely make purchases by merely tapping their credit cards on payment terminals and due to the COVID-19, this tendency has intensified as customers and businesses look for contactless alternatives to reduce physical touch. In addition, various corporate organizations are providing credit cards to their employees for keeping tracks on employee spending on travel, purchases of inventory or supplies, and other responsibilities, which is propelling the growth of the market. Debit card usage has also grown so pervasive in a number of nations that it has completely replaced or surpassed cheque and, in some cases, cash transaction volume.
Virtual cards produce distinctive data for every transaction, enhancing security and lowering the possibility of fraud. This is especially important in the B2B sector, where secrecy and trustworthiness are key. Virtual cards are also useful for supplier relationships since they allow for quick and secure payments. Their interaction with accounting software makes reconciliation and reporting easier while providing better financial control.
The global B2B digital payment 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 North American regional market is expected to grow considerably over the forecast period owing to the growing number of e-commerce platforms in the region, in turn contributing to the growth of the online transaction as consumers are increasingly preferring to make online purchases using their digital wallet or credit cards instead of cash or debit cards.
Asia-Pacific region is expected to grow with highest CAGR in the B2B digital payment market during the forecast period. China, Japan, India, ANZ, and the rest of Asia-Pacific are contributing significantly in the B2B digital payment market in the region. Cross-border payments solution have been created to handle the region's expanding commerce. As per International Trade Administration (ITA) China is the largest e-commerce market globally, generating almost 50 percent of the world's transactions. China's cross-border e-commerce imports and exports increased 15% Y-o-Y to $273 billion in 2021. In the first quarter this year, cross-border e-commerce trade scale hit $60 billion, according to the PRC Ministry of Commerce. Additionally due to growing penetration of smartphone, mobile payment use has increased, and traditional banks have responded by providing online banking specifically designed for companies. According to India Brand Equity Foundation (IBEF) India smartphone base has also increased significantly and is expected to reach 1 billion by 2026. This has helped India's digital sector and it is expected to reach $1 trillion by 2030. This rapid rise in internet users and smartphone penetration coupled with rising incomes has assisted the growth of India's e-commerce sector. Despite advancements, problems with interoperability and insecurity persist, highlighting the necessity of further development in the B2B payment ecosystem.
The major companies serving the global B2B digital payment market include PayPal Inc., Fiserv, Inc., Mastercard International, Inc., Stripe, Inc., Visa, Inc., and others. The market players are considerably contributing to the market growth by the adoption of various strategies including mergers and acquisitions, partnerships, collaborations, funding, and new product launches, to stay competitive in the market. For instance, in June 2023, FIS announced a partnership with Visa to enable eligible Worldpay from FIS UK merchants to accept payments by using the Visa Instalments checkout functionality for the first time. With the help of Visa Instalments, partner Visa card issuers may provide their eligible cardholders with flexible and clear instalment payment alternatives at the point of sale.