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市场调查报告书
商品编码
1666219
非洲非接触式支付市场规模及预测 2021 - 2031、区域份额、趋势和成长机会分析报告范围:按组成部分、支付方式、垂直行业和国家/地区Africa Contactless Payments Market Size and Forecast 2021 - 2031, Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Component, Payment Mode, Industry Verticals and Country |
2023 年非洲非接触式支付市场规模价值 7.8172 亿美元,预计到 2031 年将达到 15.3657 亿美元;预计 2023 年至 2031 年的复合年增长率为 8.8%。
非洲非接触式支付市场分为六个主要国家—南非、衣索比亚、埃及、奈及利亚和非洲其他地区。 2023 年,尼日利亚占据市场主导地位,其次是南非和埃及。根据 ACI Worldwide 2024 年实时黄金时段报告,尼日利亚在 2022 年至 2023 年期间的即时数位交易增长了 54%,巩固了其在非洲实时支付量和增长领先地位。 2021 年 3 月,尼日利亚银行间结算系统 (NIBSS) 推出了国家即时支付计划 (NQR),建立了可互通的二维码标准,这是实现无缝个人对企业 (P2B) 和个人对个人 (P2P) 支付的关键驱动因素。因此,2023 年即时支付占尼日利亚所有交易的 27.7%,预计到 2028 年将成长 50.1% 即时支付正在迅速成为现金的可行替代品,现金一直是该国历史上的主要支付方式。
根据 Visa 和 Discovery Bank 的 SpendTrend23 报告,南非目前在非洲拥抱非接触式支付方面处于领先地位。 Visa 南非公司区域经理表示,近场通讯 (NFC) 支付的采用最初是在新冠肺炎疫情期间获得发展的,以最大限度地减少身体接触。此外,由于其用户友好的特性,它经历了显着的增长。政府强调,2021-2022 年期间,全球 72% 的面对面交易和南非 50% 以上的数位交易都是非接触式的。该经理介绍说,非接触式支付和行动支付在南非消费者中越来越受欢迎。
根据万事达卡《2022 年新支付指数》,埃及正在加速采用更广泛的数位支付方式,科技推动支付的未来。除了了解数位卡、先买后付(BNPL)和开放银行等解决方案之外,埃及消费者越来越多地将这些工具纳入他们的日常交易中。报告显示,过去一年(即 2021 年),埃及 88% 的消费者使用过至少一种新兴支付方式。此外,消费者正在扩大购买管道,越来越多地透过语音助理和社群媒体平台进行交易。
依行业垂直,市场分为零售、酒店、医疗保健、运输和物流、媒体和娱乐等。 2023 年,零售业在非洲非接触式支付市场中占有最大的份额。这项技术也被称为即触即用或轻触,自 20 世纪 90 年代就已经存在,并且已经扩展到全球众多银行、信用卡公司、商家和零售商。越来越多的商家接受非接触式支付,促进了非接触式支付在零售业的广泛应用,目前南非、加纳和柬埔寨等国家超过一半的零售商都接受非接触式支付。行动钱包应用程式和穿戴式装置的出现促进了非接触式交易的进行,推动了该技术日益普及并对零售业产生了深远影响。
在运输和物流领域,非接触式支付方式的采用显着增加,以简化和改善一系列服务的支付流程。非接触式支付从根本上改变了乘客乘坐公共交通支付车费的方式。该技术已融入交通和物流的各个方面,包括公共交通旋转闸机、停车场结帐终端、道路收费以及公车、地铁和火车票的购买。在运输和物流中使用非接触式支付方式有几个显着的优势,包括提高吞吐量、减少客户等待时间以及建立更有效率、更用户友好的支付体验。
Visa、Mastercard、IBA Group、Giesecke + Devrient GmbH、IDEMIA、CityCard Technology Ltd、EcoCash、Ingenico、Nedbank Ltd 和 Sudo Africa, Inc 是本次市场研究中介绍的非洲非接触式支付市场的主要参与者。
非洲非接触式支付市场的整体规模是透过一手资料和二手资料得出的。我们利用内部和外部资源进行了详尽的二手研究,以获得与非洲非接触式支付市场规模相关的定性和定量资讯。该过程还有助于获得有关所有细分市场的市场概况和预测。此外,我们也对产业参与者进行了多次初步访谈,以验证资料并获得分析见解。这个流程包括副总裁、业务发展经理、市场情报经理和国家销售经理等行业专家,以及估值专家、研究分析师和关键意见领袖等外部顾问,专门研究非洲非接触式支付市场。
The Africa contactless payments market size was valued at US$ 781.72 million in 2023 and is expected to reach US$ 1536.57 million by 2031; it is estimated to record a CAGR of 8.8% from 2023 to 2031.
The Africa contactless payments market is segmented into six major countries- South Africa, Ethiopia, Egypt, Nigeria, and the Rest of Africa. Nigeria dominated the market in 2023, followed by South Africa and Egypt, respectively. As per the ACI Worldwide 2024 Prime Time for Real-Time report, Nigeria registered a 54% growth in real-time digital transactions between 2022 and 2023, solidifying its position as the leader in Africa for real-time payment volume and growth. The introduction of the National Instant Payment Scheme (NQR) by the Nigeria Inter-Bank Settlement System (NIBSS) in March 2021, which established an interoperable QR-code standard, is a key driver in enabling seamless Person-to-Business (P2B) and Person-to-Person (P2P) payments. As a result, real-time payments accounted for 27.7% of all transactions in Nigeria in 2023, projected to rise by 50.1% by 2028. Real-time payments are rapidly emerging as a viable alternative to cash, which has been a dominant payment method historically in the country
As per the SpendTrend23 report by Visa and Discovery Bank, South Africa is currently at the forefront of embracing contactless payments in Africa. According to the Country Manager for Visa South Africa, the adoption of near-field communication (NFC) payments initially gained momentum during the COVID-19 pandemic to minimize physical contact. Moreover, it has experienced significant growth due to its user-friendly nature. The Government highlighted that during 2021-2022, 72% of all in-person transactions globally and over 50% of digital transactions in South Africa were contactless. According to the manager, contactless and mobile payments are increasingly becoming popular among consumers in South Africa.
According to Mastercard's New Payment Index 2022, the adoption of a wider range of digital payment methods is accelerating in Egypt, with technology driving the future of payments. Beyond awareness of solutions such as digital cards, Buy Now Pay Later (BNPL), and open banking, consumers in Egypt are increasingly incorporating these tools into their daily transactions. The report reveals that 88% of consumers in Egypt have utilized at least one emerging payment method in the past year i.e. 2021. Out of this, 35% used tappable smartphone mobile wallets, 27% used digital money transfer apps, and 24% made payments via QR codes. Additionally, consumers are expanding their purchase channels, increasingly making transactions through voice assistants and social media platforms.
Based on industry vertical, the market is categorized into retail, hospitality, healthcare, transportation & logistics, media & entertainment, and others. The retail segment held the largest share in the Africa contactless payments market in 2023. Contactless payment in retail refers to a secure and convenient payment method that enables customers to conduct transactions by tapping a payment card or another device near a point-of-sale terminal equipped with contactless payment technology. This technology, also known as tap-and-go or tap, has been in existence since the 1990s and has since expanded to encompass numerous banks, credit card companies, merchants, and retailers worldwide. The widespread adoption of contactless payment in retail has been facilitated by the increasing number of merchants accepting this form of payment, with over half of retailers in countries such as South Africa, Ghana, and Cambodia currently accepting contactless payments. This trend is supported by the availability of mobile wallet apps and wearable devices that facilitate contactless transactions, contributing to the technology's growing popularity and profound impact on the retail industry.
Within transportation and logistics, there has been a notable rise in the adoption of contactless payment methods for streamlining and improving the payment process across a range of services. Contactless payments have fundamentally transformed the way commuters handle fare payments in public transportation. This technology has been integrated into various facets of transportation and logistics, encompassing public transportation turnstiles, parking garage checkout terminals, road tolls, and the purchase of tickets for buses, subways, and trains. The utilization of contactless payment methods in transportation and logistics yields several significant advantages, including increased throughput, decreased customer waiting times, and the establishment of a more efficient and user-friendly payment experience.
Visa, Mastercard, IBA Group, Giesecke + Devrient GmbH, IDEMIA, CityCard Technology Ltd, EcoCash, Ingenico, Nedbank Ltd, and Sudo Africa, Inc are among the key Africa contactless payments market players that are profiled in this market study.
The overall Africa contactless payments market size has been derived using both primary and secondary sources. Exhaustive secondary research has been conducted using internal and external sources to obtain qualitative and quantitative information related to the Africa contactless payments market size. The process also helps obtain an overview and forecast of the market with respect to all the market segments. Also, multiple primary interviews have been conducted with industry participants to validate the data and gain analytical insights. This process includes industry experts such as VPs, business development managers, market intelligence managers, and national sales managers, along with external consultants such as valuation experts, research analysts, and key opinion leaders, specializing in the Africa contactless payments market.