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市场调查报告书
商品编码
1818089
全球数位支付市场:2032 年预测 - 按支付类型、部署方式、交易类型、公司规模、最终用户和地区进行分析Digital Payments Market Forecasts to 2032 - Global Analysis By Payment Type, Deployment Mode, Transaction Type, Enterprise Size, End User and By Geography |
根据 Stratistics MRC 的数据,全球数位支付市场预计在 2025 年达到 1,422 亿美元,到 2032 年将达到 3,367 亿美元,预测期内的复合年增长率为 13.1%。
数位支付是指不使用现金或支票进行资金转移的电子交易。这些交易包括行动支付、电子钱包、非接触感应卡、网路银行和数位货币。受智慧型手机普及率、网路存取以及消费者对便利、快速、安全支付方式的偏好推动,数位支付正在为零售、电子商务和金融服务领域带来无摩擦的体验。生物识别、标记化和即时处理等技术创新正在提升安全性。监管变革和金融包容性的进步正在推动数位支付在全球范围内的快速普及,并改变消费者和企业的交易方式。
智慧型手机的普及
全球智慧型手机的快速普及是数位支付市场的主要驱动力。随着智慧型手机价格下降和网路连线的改善(尤其是在发展中地区),消费者越来越青睐基于行动的支付解决方案,而非传统的现金和银行卡支付方式。行动钱包、非接触式支付和数位银行应用程式因其便利性和时效性而成为主流。此外,智慧型手机的普及也使金融普惠性得以触及农村地区银行帐户。政府和私人企业对行动基础设施的投资进一步推动了这一趋势。
来自金融科技新兴企业的激烈竞争
数位支付市场面临来自金融科技新兴企业崛起的巨大限制,这些新创公司提供创新的利基支付解决方案。这些敏捷的新参与企业通常利用区块链和人工智慧等最尖端科技,提供卓越、经济高效的服务,交易速度更快,介面友好。此外,现有金融机构难以与金融科技解决方案的灵活性和低营运成本竞争。监管挑战进一步加剧了市场压力,因为与许多在监管灰色地带运营的新兴企业相比,传统参与者面临更严格的合规要求。
生物特征认证集成
由于指纹、脸部认证和语音辨识技术的进步,生物辨识技术提供了一种无缝且强大的使用者身份验证方法。它透过消除密码和密码简化了支付流程,同时解决了消费者日益增长的资料安全和诈欺担忧。此外,监管机构越来越多地推荐将生物识别措施作为强客户身份验证 (SCA)通讯协定的一部分。此外,在传统身分验证面临挑战的新兴市场,生物辨识系统为扩大数位支付的普及提供了可靠的解决方案,从而进一步推动市场成长和用户信任。
诈骗盗窃
网路犯罪分子使用网路钓鱼、恶意软体攻击和身分盗窃等复杂手段来入侵数位支付系统。此外,数位交易的快速成长扩大了攻击面,尤其是在网路安全框架较为宽鬆的地区。虽然监管合规性有所改善,但各地区监管力道仍不一致,造成了漏洞。此外,使用者缺乏安全意识也进一步加剧了风险。这些威胁迫使服务提供者持续投资于先进的诈欺侦测演算法、基于机器学习的监控系统和多因素身份验证措施,以保护交易安全并维护市场信任。
由于封锁、保持社交距离规定以及人们日益增长的卫生顾虑,COVID-19 疫情加速了数位支付的转变。消费者避免现金交易以尽量减少身体接触,转而青睐非接触式支付和行动支付解决方案。此外,企业迅速采用电子商务和数位支付方式,以在商店关闭期间维持营运。此外,各国政府也大力推广数位金融服务,以确保经济活动的连续性。然而,数位交易的激增也暴露出数位基础设施的缺口,尤其是在开发中地区。此外,网路诈骗案件的激增迫切需要改善数位安全措施。整体而言,COVID-19 疫情显着促进了市场成长,同时也凸显了对安全性和包容性数位支付解决方案的需求。
预计信用卡/签帐金融卡细分市场将成为预测期内最大的细分市场
预计信用卡/签帐金融卡领域将在预测期内占据最大的市场份额。这种主导地位可归因于零售、电子商务、旅游和酒店业广泛接受卡片付款,并得到Visa、万事达卡和美国运通等全球银行卡网路的支持。此外,信用卡和签帐金融卡因其便利性、安全功能和奖励计划而成为消费者首选的支付方式。此外,强大的消费者信任度、完善的商家受理基础设施以及政府推动无现金经济的倡议,进一步巩固了其市场领先地位。
预计预测期内,P2P(P2P) 细分市场将以最高复合年增长率成长
预计P2P(P2P) 领域将在预测期内达到最高成长率。智慧型手机的普及、数位素养的提升以及网路连线的普及,使得消费者能够轻鬆地直接向他人汇款,而无需中介。此外,PayPal、Venmo 和微信支付等金融科技平台正透过直觉的应用程式、即时转帐和低交易成本推动 P2P 的普及。此外,不断扩张的零工经济和汇款服务也大大促进了 P2P 的使用。人们向社交化、数位优先的生活方式转变,进一步推动了这一领域的快速成长。
预计北美将在预测期内占据最大的市场份额。该地区拥有完善的数位基础设施、高智慧型手机和网路普及率以及消费者对数位支付解决方案的强烈接受度等优势。此外,PayPal、Square 和 Stripe 等行业巨头的存在也促进了市场的成熟。此外,严格的监管框架和先进的网路安全措施确保了数位交易的安全,并增强了消费者的信任。强大的金融包容性以及政府对无现金社会的积极支持,进一步巩固了北美的优势。
预计亚太地区将在预测期内实现最高的复合年增长率。中国、印度和东南亚等国家的快速数位化、智慧型手机普及率的提高以及网路连线的不断扩展,正在推动这一成长。此外,政府主导的「数位印度」计画和中国推动无现金经济的倡议正在加速数位支付的普及。此外,日益增长的电子商务活动和精通科技的年轻人口正在促进数位支付生态系统的扩张。该地区的金融科技创新蓬勃发展,许多本地公司根据当地需求提供价格合理且易于使用的解决方案。
According to Stratistics MRC, the Global Digital Payments Market is accounted for $142.2 billion in 2025 and is expected to reach $336.7 billion by 2032 growing at a CAGR of 13.1% during the forecast period. Digital payments encompass electronic transactions that facilitate the transfer of money without physical cash or checks. This includes mobile payments, e-wallets, contactless cards, online banking, and digital currencies. Driven by rising smartphone penetration, internet access, and consumer preference for convenient, fast, and secure payment options, digital payments offer frictionless experiences in retail, e-commerce, and financial services. Innovations like biometric authentication, tokenization, and real-time processing enhance security. Regulatory changes and growing financial inclusion contribute to rapid global adoption, transforming how consumers and businesses transact.
Growing smartphone penetration
The rapid adoption of smartphones globally is a key driver of the digital payments market. As smartphones become more affordable and internet connectivity improves, especially in developing regions, consumers increasingly prefer mobile-based payment solutions over traditional cash or card methods. Mobile wallets, contactless payments, and digital banking apps are becoming mainstream, driven by user convenience and time efficiency. Additionally, smartphone penetration enables financial inclusion by reaching unbanked populations in rural areas. This trend is further supported by governments and private entities investing in mobile infrastructure.
High competition from fintech start-ups
The digital payments market faces significant restraint from the rising number of fintech start-ups offering innovative, niche payment solutions. These agile new entrants often leverage cutting-edge technologies, such as blockchain and AI, to offer superior, cost-effective services with faster transaction times and user-friendly interfaces. Moreover, established financial institutions struggle to compete with the flexibility and lower operational costs of fintech solutions. Regulatory challenges further exacerbate market pressures, as traditional players face stricter compliance demands compared to many start-ups operating in regulatory grey areas.
Biometric authentication integration
With advancements in fingerprint recognition, facial recognition, and voice authentication, biometric technologies provide a seamless and robust method to authenticate users. This addresses growing consumer concerns about data security and fraud, while simplifying the payment process by eliminating the need for PINs or passwords. Moreover, regulatory bodies are increasingly recommending biometric measures as part of strong customer authentication (SCA) protocols. Additionally, in emerging markets, where traditional identity verification is challenging, biometric systems offer a reliable solution to expand digital payment adoption, further driving market growth and user trust.
Fraud and digital theft
Cybercriminals employ sophisticated methods such as phishing, malware attacks, and identity theft to compromise digital payment systems. Moreover, the rapid increase in digital transactions expands the attack surface, especially in regions lacking stringent cybersecurity frameworks. Regulatory compliance, though improving, remains inconsistent across geographies, creating vulnerabilities. Additionally, lack of user awareness about secure practices further exacerbates the risk. These threats prompt service providers to continuously invest in advanced fraud detection algorithms, machine learning-based monitoring systems, and multi-factor authentication measures to safeguard transactions and preserve market credibility.
The COVID-19 pandemic accelerated the shift towards digital payments due to lockdowns, social distancing mandates, and heightened hygiene concerns. Consumers increasingly avoided cash transactions to minimize physical contact, favoring contactless and mobile payment solutions. Additionally, businesses rapidly adopted e-commerce and digital payment options to sustain operations amid store closures. Moreover, governments promoted digital financial services to ensure continuity of economic activities. However, the surge in digital transactions also exposed gaps in digital infrastructure, especially in developing regions. Furthermore, cyber fraud incidents surged, prompting urgent improvements in digital security measures. Overall, COVID-19 significantly boosted market growth while emphasizing the need for secure and inclusive digital payment solutions.
The credit / debit cards segment is expected to be the largest during the forecast period
The credit / debit cards segment is expected to account for the largest market share during the forecast period. This dominance is attributed to the widespread acceptance of card payments across retail, e-commerce, travel, and hospitality sectors, supported by global card networks such as Visa, Mastercard, and American Express. Additionally, credit and debit cards offer convenience, security features, and rewards programs, making them the preferred payment method for consumers. Moreover, strong consumer trust, established merchant acceptance infrastructure, and government initiatives promoting cashless economies further contribute to its market leadership.
The peer-to-peer (P2P) segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the peer-to-peer (P2P) segment is predicted to witness the highest growth rate. The surge in smartphone penetration, digital literacy, and internet connectivity enables consumers to easily transfer money directly to other individuals without intermediaries. Moreover, fintech platforms such as PayPal, Venmo, and WeChat Pay are driving P2P adoption through intuitive apps, instant transfers, and low transaction costs. Additionally, the growing gig economy and remittance services significantly boost P2P usage. The shift toward social and digital-first lifestyles further fuels this segment's rapid growth.
During the forecast period, the North America region is expected to hold the largest market share. The region benefits from well-established digital infrastructure, high smartphone and internet penetration, and strong consumer acceptance of digital payment solutions. Additionally, presence of major industry players such as PayPal, Square, and Stripe contributes to market maturity. Moreover, stringent regulatory frameworks and advanced cybersecurity measures ensure secure digital transactions, promoting consumer confidence. Strong financial inclusion and active government support toward cashless initiatives further reinforce North America's dominance.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR. Rapid digitalization, rising smartphone penetration, and expanding internet connectivity in countries such as China, India, and Southeast Asian nations drive this growth. Moreover, government-led initiatives such as India's Digital India and China's push toward a cashless economy accelerate adoption. Additionally, growing e-commerce activities and a young, tech-savvy population contribute to the expanding digital payment ecosystem. Fintech innovation is booming in the region, with numerous local players offering affordable, user-friendly solutions tailored to regional needs.
Key players in the market
Some of the key players in Digital Payments Market include Adyen, Alipay, American Express, Apple, Checkout.com, Fiserv, Global Payments, Google, JPMorgan Chase, Mastercard, PayPal, Paytm, Stripe, Tencent, and Visa.
In June 2025, Fiserv and PayPal announced an expanded partnership to build interoperability between FIUSD and PayPal USD (PYUSD), enabling consumers and businesses to move funds domestically and internationally.
In January 2025, Adyen launched Adyen Uplift an AI-powered payment optimization suite that helps businesses increase payment conversion rates by up to 6%. The solution was piloted by 60 enterprise businesses including Patagonia, On, Indeed, NordSecurity, and Fubo.
In February 2024, Google announced the discontinuation of the standalone Google Pay app in the US starting June 4, 2024, to simplify the payment experience while maintaining all payment functionalities through Google Wallet.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.