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市场调查报告书
商品编码
1965433
行动POS市场-全球产业规模、份额、趋势、机会、预测:按组件、企业规模、最终用户、地区和竞争对手划分,2021-2031年Mobile POS Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented, By Component, By Enterprise Size (Large Enterprise, Small & Medium Enterprises ), By End-User, By Region & Competition, 2021-2031F |
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全球行动POS市场预计将从2025年的633.4亿美元大幅成长至2031年的1,610.7亿美元,复合年增长率为16.83%。
这些系统利用平板电脑、智慧型手机或专用无线设备作为电子终端和收银暂存器,取代了传统的固定硬体。市场扩张的主要驱动力是零售和旅馆业对行动性日益增长的需求,以及对非接触式支付方式需求的激增。此外,与传统系统相比,其更低的实施成本也加速了中小企业对高效交易处理解决方案的快速采用。
| 市场概览 | |
|---|---|
| 预测期 | 2027-2031 |
| 市场规模:2025年 | 633.4亿美元 |
| 市场规模:2031年 | 1610.7亿美元 |
| 复合年增长率:2026-2031年 | 16.83% |
| 成长最快的细分市场 | 中小企业 |
| 最大的市场 | 北美洲 |
根据GSMA发布的2025年数据,全球透过行动支付帐户处理的商家支付额在上年度超过1,000亿美元,展现出强劲的产业发展动能。然而,该市场面临着资料安全和金融诈骗威胁的重大挑战。透过无线网路传输敏感的财务资讯会产生安全漏洞,从而损害用户信任。因此,维护严格的加密标准和合规通讯协定对于防止这些风险阻碍行动支付的广泛市场应用至关重要。
随着全球非接触式和无现金支付方式的加速普及,商业格局正在发生变革,迫使企业升级系统以保持竞争力。消费者越来越倾向于使用数位钱包和非接触式支付卡而非实体货币,企业正迅速部署行动销售点 (mPOS) 终端,以安全快捷地满足这些偏好。这一趋势的驱动力在于近距离场通讯 (NFC) 交易的兴起,NFC 交易需要能够在店内任何位置处理支付的行动硬体。 Visa 报告称,到 2024 年底,除美国以外,全球超过 80% 的 Visa 面对面交易将在 2024 财年实现非接触式支付,这将加速 mPOS 解决方案的普及,从而提供无缝的支付体验。
同时,与现有系统相比,行动POS系统(mPOS)更低的维护和实施成本极具吸引力,而中小企业(SME)日益增长的采用率也是成长要素。 mPOS解决方案利用现有的智慧型手机和平板电脑,取代了昂贵笨重的暂存器,降低了财务门槛,使小规模企业也能使用企业级工具。 Block公司在2024年初宣布,其垂直产业POS解决方案的毛利年增27%,凸显了强劲的市场需求。这种便利性正在推动数位经济的普及化,Worldpay发布的2024年数据显示,2023年全球30%的消费者支出是透过POS机上的数位钱包完成的,进一步印证了这一点。
阻碍全球行动POS市场成长的主要障碍是金融诈骗和资料安全漏洞的持续威胁。与传统的有线终端不同,行动系统透过无线网路传输高度敏感的交易数据,这使其容易成为网路犯罪分子的攻击目标。这种潜在的身份盗窃和资料外洩风险会损害企业信任,导致许多公司儘管行动解决方案具有操作柔软性,但仍坚持使用传统系统。尤其是在那些维护客户信任至关重要的行业,由于担心财务责任和声誉损害,企业往往认为采用行动系统风险过高。
近期行业统计数据凸显了这个问题的严重性,阻碍了对现代支付技术的投资。根据金融专业人士协会 (AFP) 发布的《2025 年报告》,79% 的机构在上年度中遭遇过实际发生的或未遂的支付诈骗。这种金融犯罪的高发生率阻碍了市场渗透,因为对经济损失的担忧往往超过了降低实施成本的益处。因此,市场难以说服风险规避型商家放弃传统的交易方式,转而使用更新、但被认为风险更高的行动支付方式。
随着SoftPOS和Tap-to-Phone技术的普及,硬体环境正在改变。这些技术利用市面上常见的智慧型手机作为支付终端,无需任何外部周边设备。这种软体主导的方式省去了专用终端,商家只需下载一个应用程序,即可透过近距离场通讯(NFC)技术在自己的设备上处理交易。这项创新对小规模企业尤其有利,因为它避免了传统读卡机设备带来的硬体成本和供应链延误。 2025年3月,Visa宣布其Tap-to-Phone技术的全球采用率年增了200%,显示市场正迅速向无硬体解决方案转型。
同时,行动装置正透过拓展除基本支付处理之外的附加价值服务,发展成为综合性的业务管理中心。服务提供者正日益将库存管理、客户关係管理 (CRM) 和贷款工具直接整合到行动POS (mPOS) 介面中,使其成为业务成长的核心作业系统。这项策略透过将金融服务融入日常运营,有助于提高商家留存率。 Block 在 2025 年 2 月报告称,Square 的毛利年增 12%。这一成长主要归功于整合银行产品和软体的成功,这些产品和软体提供的功能远不止于简单的支付处理。
The Global Mobile POS Market is projected to experience substantial growth, expanding from USD 63.34 Billion in 2025 to USD 161.07 Billion by 2031 at a compound annual growth rate of 16.83%. These systems utilize tablets, smartphones, or dedicated wireless devices to act as electronic terminals or cash registers, replacing traditional fixed hardware. The market's expansion is primarily fueled by the increasing necessity for mobility in the retail and hospitality industries, alongside a surging demand for contactless payment methods. Furthermore, the lower implementation costs compared to legacy systems are driving rapid adoption among small and medium-sized enterprises looking for efficient transaction processing solutions.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 63.34 Billion |
| Market Size 2031 | USD 161.07 Billion |
| CAGR 2026-2031 | 16.83% |
| Fastest Growing Segment | Small & Medium Enterprises (SMEs) |
| Largest Market | North America |
According to 2025 data from the GSMA, global merchant payments processed through mobile money accounts surpassed $100 billion in the preceding year, indicating strong sector momentum. However, the market faces significant hurdles related to data security and the threat of financial fraud. Transmitting sensitive financial information over wireless networks introduces vulnerabilities that can erode user confidence; therefore, maintaining strict encryption standards and compliance protocols is crucial to prevent these risks from impeding broader market acceptance.
Market Driver
The accelerating global shift toward contactless and cashless payment methods is transforming the commercial landscape, forcing merchants to upgrade their systems to stay competitive. As consumers increasingly favor digital wallets and tap-to-pay cards over physical currency, businesses are swiftly implementing Mobile Point of Sale (mPOS) terminals to facilitate these preferences securely and quickly. This trend is driven by the rise in near-field communication (NFC) transactions, which requires mobile hardware capable of processing payments anywhere in a store. Visa reported in late 2024 that, excluding the United States, over 80% of face-to-face Visa transactions globally were contactless in fiscal year 2024, prompting retailers to adopt mPOS solutions for seamless checkout experiences.
Simultaneously, the market is growing due to increasing adoption by Small and Medium-sized Enterprises (SMEs), attracted by the low maintenance and implementation costs of mPOS compared to legacy systems. By leveraging existing smartphones or tablets rather than expensive, bulky cash registers, mPOS solutions lower financial barriers and allow smaller merchants to access enterprise-level tools. Block, Inc. noted in early 2024 that gross profit from its vertical point-of-sale solutions increased by 27% year-over-year, highlighting strong demand. This accessibility is democratizing the digital economy, further evidenced by Worldpay's 2024 data showing that digital wallets comprised 30% of global consumer spending at the point of sale in 2023.
Market Challenge
A major obstacle restricting the growth of the Global Mobile POS Market is the persistent threat of financial fraud and data security breaches. Unlike traditional hardwired terminals, mobile systems transmit sensitive transaction data across wireless networks, creating vulnerabilities that are often targeted by cybercriminals. This exposure to potential identity theft and data breaches undermines merchant confidence, causing many businesses to stick with legacy systems despite the operational flexibility mobile solutions offer. Concerns over financial liability and reputational damage frequently lead enterprises to view mobile adoption as an excessive risk, particularly where maintaining customer trust is essential.
Recent industry statistics highlight the severity of this issue, which discourages investment in modern payment technologies. The Association for Financial Professionals reported in 2025 that 79% of organizations had been victims of actual or attempted payment fraud in the previous year. This high prevalence of financial crime hinders market penetration, as the fear of monetary loss often outweighs the benefits of lower implementation costs. Consequently, the market struggles to convince risk-averse merchants to switch from established transaction methods to newer, perceivedly riskier mobile alternatives.
Market Trends
The hardware landscape is being revolutionized by the widespread adoption of SoftPOS and Tap-to-Phone technologies, which allow standard commercial off-the-shelf smartphones to accept payments without external peripherals. This software-driven approach removes the need for proprietary terminals, enabling merchants to download an app and process transactions via Near-Field Communication (NFC) directly on their devices. This innovation is especially beneficial for micro-merchants, allowing them to bypass hardware costs and supply chain delays associated with traditional readers. Visa announced in March 2025 that its Tap to Phone technology saw a 200% year-over-year increase in adoption globally, signaling a rapid shift toward hardware-free solutions.
In parallel, mobile terminals are evolving into comprehensive business management hubs through the expansion of value-added services beyond basic payment processing. Providers are increasingly embedding tools for inventory management, customer relationship management (CRM), and lending directly into mPOS interfaces, transforming them into central operating systems for business growth. This strategy improves merchant retention by integrating financial services into daily workflows. Block, Inc. reported in February 2025 that Square's gross profit grew by 12% year-over-year, a rise attributed largely to the success of integrated banking products and software that extend utility well beyond simple transaction acceptance.
Report Scope
In this report, the Global Mobile POS Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global Mobile POS Market.
Global Mobile POS Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: