数位付款市场规模、份额和成长分析：按产品、交易类型、付款模式、产业和地区划分 - 产业预测，2024-2031 年

2022年数付款市场规模将达到9.61兆美元，2023年将达到10.53兆美元，2031年将达到21.83兆美元，复合年增长率预计将达9.55%。

近年来，智慧型手机和非接触式交易的普及推动了数位付款的普及。根据SkyQuest的详细分析，2023年全球约45%的交易将以数位付款方式进行，反映消费者对便利性的强烈偏好。这种趋势在行动银行和电子商务广泛普及的新兴经济体中最为明显，但在采用行动钱包和付款应用程式的新兴市场中也迅速普及。目前的市场参与企业包括 PayPal、Square 和阿里巴巴等知名品牌，以及已经适应这种数位化转变的传统金融机构。安全仍然是一个重要因素，推动了先进加密和身份验证技术的发展，以保护用户资讯。随着人工智慧和区块链技术的采用，数位付款市场不断成长，这些创新将进一步提高付款的效率、安全性和全球覆盖范围。

目录

介绍

• 研究目的
• 定义
• 市场范围

调查方法

• 资讯采购
• 次要/一级资讯来源
• 市场规模预测
• 市场假设与限制

执行摘要

• 市场概况展望
• 供需趋势分析
• 按细分市场的机会分析

市场动态及展望

• 市场动态
  • 促进因素
  • 机会
  • 抑制因素
  • 任务
• 波特的分析

主要市场考察

• 技术分析
• 价格分析
• 案例研究分析
• 价值链分析
• 专利分析
• 贸易分析
• 客户和购买标准分析
• 市场生态系统
• 监管环境
• 创新矩阵
• 重点投资分析
• 关键成功因素
• 竞争程度

数位付款市场：依产品分类

• 市场概况
• 解决方案
  • 付款闸道
  • 付款处理器
  • 付款钱包
  • POS解决方案
  • 其他解决方案
• 服务
  • 专业服务
• 咨询
• 执行
• 支援/维护
  • 託管服务

数位付款市场：按交易类型

• 市场概况
• 国内的
• 国际贸易

数位付款市场：按付款模式

• 市场概况
• 卡片
• 数位钱包
• 自动付款所 (ACH) 汇款
• 其他付款方式

数位付款市场：依行业分类

• 市场概况
• BFSI
• 零售/电子商务
• 卫生保健
• IT・ITES
• 通讯
• 旅游/酒店业
• 运输/物流
• 媒体娱乐
• 其他行业

数位付款市场规模：按地区划分

• 市场概况
• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲国家地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 其他亚太地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 中东和非洲 (MEA)
  • 海湾合作委员会国家
  • 南非
  • 其他中东/非洲地区

竞争格局

• 前5名企业对比
• 主要企业市场定位（2023年）
• 主要市场参与者所采取的策略
• 近期市集活动
• 主要企业市场占有率（2023年）

主要企业简介

• PayPal（US）
• Alipay（China）
• WeChat Pay（China）
• Visa Inc.（US）
• Mastercard Inc.（US）
• American Express Co.（US）
• Apple Pay（US）
• Google Pay（US）
• Samsung Pay（South Korea）
• Square Inc.（US）
• Stripe Inc.（US）
• Paytm（India）
• Skrill（United Kingdom）
• TransferWise（Estonia）
• Dwolla Inc.（US）
• Venmo（US）
• Zelle（US）
• Amazon Pay（US）
• QuickPay（Denmark）
• Klarna（Sweden）

Digital Payment Market size was valued at USD 9.61 Trillion in 2022, USD 10.53 Trillion in 2023 and is projected to grow USD 21.83 Trillion by 2031, growing at a CAGR of 9.55% in the forecast period (2024-2031).

In recent years, the surge in digital payments has been driven by the growing use of smartphones and the popularity of contactless transactions. According to SkyQuest's detailed analysis, approximately 45% of global transactions in 2023 were conducted through digital payment methods, reflecting a strong consumer preference for convenience. This trend is most pronounced in developed economies where mobile banking and e-commerce are prevalent, but it is also rapidly gaining traction in emerging markets that are adopting mobile wallets and payment applications. Current market players include established names such as PayPal, Square, and Alibaba, alongside traditional financial institutions that have adapted to this digital shift. Security remains a crucial factor, driving the development of advanced encryption and authentication techniques to protect user information. As the digital payments market continues to grow, driven by the adoption of AI and blockchain technologies, these innovations will further enhance payment efficiency, security, and global reach.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Digital Payment market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Digital Payment Market Segmental Analysis

The digital payment market is segmented into Offering, Transaction Type, Payment Mode, Vertical, and Region. Based on Offering, the market is segmented into Solutions (Payment Gateways, Payment Processors, Payment Wallet, Point-of-sale Solutions, Others), Services (Professional Services [Consulting, Implementation, Support & Maintenance], Managed Services). Based on Transaction Type, the market is segmented into Domestic and Cross Border. Based on Payment Mode, the market is segmented into Cards, Digital Wallet, Automatic Clearing House (ACH) Transfer, and Others. Based on Vertical, the market is segmented into BFSI, Retail & Ecommerce, Healthcare, IT & ITES, Telecom, Travel & hospitality, Transportation & Logistics, Media & Entertainment, and Others. By region, the market is segmented into North America, Europe, Asia-Pacific, Middle East and Africa, and Latin America.

Drivers of the Global Digital Payment Market

As online shopping continues to evolve, the demand for improved payment and security systems grows. The rise in e-commerce popularity has led to increased consumer preference for convenient, time-efficient payment methods. Payment gateways and digital wallets have streamlined the checkout process, catering to varied shopping habits and preferences. Major e-commerce players like Amazon and Alibaba are driving this trend by incorporating digital payment solutions into their platforms. These companies are encouraging consumers to opt for online transactions, further promoting the adoption of digital payment methods and enhancing the overall shopping experience.

Restraints in the Global Digital Payment Market

The diverse regulatory frameworks across regions present significant challenges for digital payment providers. Inconsistent compliance requirements from country to country impact market access and performance for multinational companies. Adapting to evolving regulations can be time-consuming and costly, acting as a barrier to market entry in certain jurisdictions. These challenges highlight the need for better coordination between governments and industry players, as well as the development of robust policies to support the advancement of sustainable digital payment systems worldwide.

Market Trends of the Global Digital Payment Market

A notable advancement in the digital payment market is the adoption of facial recognition technology. Biometric security methods, such as fingerprint scanning, facial recognition, and voice recognition, are gaining traction as alternatives to traditional codes and passwords. These technologies enhance security by using unique physiological identifiers for transaction authentication, reducing the risk of fraud and improving user convenience. As trust in biometric technology grows and regulatory frameworks evolve, it is anticipated that biometric authentication will become a standard feature in digital payment systems globally, leading to broader implementation across various industries.

Table of Contents

Introduction

• Objectives of the Study
• Definitions
• Market Scope

Research Methodology

• Information Procurement
• Secondary & Primary Data Sources
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Market Overview Outlook
• Supply Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Dynamics
  • Drivers
  • Opportunities
  • Restraints
  • Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of Substitute Products
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers

Key Market Insights

• Technology Analysis
• Pricing Analysis
• Case Study Analysis
• Value Chain Analysis
• Patent Analysis
• Trade Analysis
• Customer & Buying Criteria Analysis
• Ecosystem of the Market
• Regulatory Landscape
• Innovation Matrix
• Top Investment Analysis
• Key Success Factor
• Degree of Competition

Global Digital Payment Market by Offering

• Market Overview
• Solutions
  • Payment gateways
  • Payment processors
  • Payment wallet
  • Point-of-sale solutions
  • Other solutions
• Services
  • Professional services
• Consulting
• Implementation
• Support & Maintenance
  • Managed services

Global Digital Payment Market by Transaction type

• Market Overview
• Domestic
• Cross border

Global Digital Payment Market by Payment Mode

• Market Overview
• Cards
• Digital wallet
• Automatic clearing house (ACH) transfer
• Other payment modes

Global Digital Payment Market by Vertical

• Market Overview
• BFSI
• Retail & ecommerce
• Healthcare
• IT & ITES
• Telecom
• Travel & hospitality
• Transportation & logistics
• Media & entertainment
• Other verticals

Global Digital Payment Market Size by Region

• Market Overview
• North America
  • USA
  • Canada
• Europe
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America
  • Brazil
  • Rest of Latin America
• Middle East & Africa (MEA)
  • GCC Countries
  • South Africa
  • Rest of MEA

Competitive Landscape

• Top 5 Player Comparison
• Market Positioning of Key Players, 2023
• Strategies Adopted by Key Market Players
• Recent Activities in the Market
• Key Companies Market Share (%), 2023

Key Company Profiles

• PayPal (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeChat Pay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Visa Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Co. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Samsung Pay (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Square Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Paytm (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Skrill (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TransferWise (Estonia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Dwolla Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Venmo (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zelle (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Amazon Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QuickPay (Denmark)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Klarna (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments