手机付款的全球市场:付款各类型，交易模式别，各终端用户，各购买类型，各用途，各地区，范围及预测

行动支付市场规模及预测

预计2024年行动支付市场规模将达到2.73兆美元，2031年将达24.28兆美元，2024年至2031年复合年增长率为31.41%。行动支付是指使用智慧型手机或平板电脑等行动装置支付商品和服务费用。消费者可以透过数位方式进行购物和转账，无需现金、支票或实体信用卡/金融卡。行动支付利用 NFC、二维码和行动钱包等技术来实现安全交易。行动支付透过促进无现金交易和消除对实体货币的依赖来帮助建立数位经济。这项变革将提高金融交易的效率、开放性和可追溯性，使企业和消费者受益。

行动支付采用先进的安全措施来保护用户资料。这包括生物辨识身份验证（例如 Touch ID 和指纹扫描）、PIN 输入和双重认证。

全球行动支付市场动态

塑造全球行动支付市场的主要市场动态

主要驱动因素

政府数位化措施

世界各国政府正透过数位支付平台促进无现金经济。例如，据 NPCI 称，印度的统一支付介面 (UPI) 将在 2022 年记录超过 830 亿笔交易，这反映出政府在 "数位印度" 倡议下推动数位支付的背景。

智慧型手机的普及

随着智慧型手机的普及，行动支付的渗透率也不断提高。在美国，联邦储备委员会（FRB）报告称，2021年43%的手机用户将使用行动支付服务，反映出行动支付的广泛采用。

支持性监理架构

各国政府正在製定有利政策来加强行动支付生态系统。例如，欧盟的 PSD2（修订后的支付服务指令）简化了行动支付服务，并促进了整个欧洲的数位支付创新。

消费者对无现金交易的偏好：

由于方便快捷，越来越多的消费者更喜欢无现金支付。 Apple Pay 和 Google Pay 等行动钱包的激增使得数位支付变得更加容易。由于支援家庭支付的数位钱包和行动银行应用程式日益普及，远端支付领域预计将占据很大的销售额占有率（2023 年为 53.68%）。

技术进步：

基于声波的支付等创新正在成为传统方法的替代方案，允许在没有网路连线的情况下进行交易。这项技术在使用先进智慧型手机受到限制的地区尤其有用。 NFC和二维码等行动支付技术的持续发展将使交易更加安全和高效，进一步推动市场成长。

主要挑战：

技术整合困难：

对于缺乏无缝整合所需的技术专业知识和资源的中小型商家来说，将行动支付解决方案整合到现有业务系统中尤其具有挑战性。此外，不同支付系统之间的相容性问题可能会对使用者体验造成摩擦，如果客户在交易过程中遇到困难，则会导致销售损失。

市场竞争：

行动支付市场竞争激烈，众多参与者争夺市场占有率，包括银行、金融科技公司以及苹果和谷歌等科技巨头。如此激烈的竞争可能会导致价格战并降低服务提供者的利润率。

消费者信任问题：

由于持续存在的安全和隐私问题，建立消费者对行动支付系统的信任仍然是一个挑战。调查显示，约50%的消费者在使用行动支付应用程式时担心个人资讯的安全。

商家接受程度有限：

儘管行动支付日益普及，但到 2023 年，美国祇有约 40% 的小型企业接受行动支付。对于想要使用行动支付购物的消费者来说，这种有限的接受度是一个主要障碍。

主要趋势：

政府促进数位支付的措施：

世界各国政府都在积极推动数位支付，作为其普惠金融战略的一部分。例如，印度等国家的统一支付介面 (UPI) 一年内促成了超过 400 亿笔交易，这表明监管支援可以加速行动支付的普及化并减少对现金的依赖。

新冠肺炎 (COVID-19) 疫情后非接触式支付兴起

随着消费者寻求更安全的交易方式以尽量减少身体接触，COVID-19 大流行大大加速了非接触式支付方式的采用。万事达卡的一项研究显示，疫情期间全球 79% 的消费者选择了非接触式支付，导致消费者偏好持续转向无现金交易。

行动商务激增：

行动商务（M-commerce）的兴起是行动支付普及的主要推手。随着越来越多的消费者使用智慧型手机在线购物，对高效、安全的行动支付选项的需求正在迅速增加。 2022年，全球行动支付交易额将超过2兆美元，显示购买行为正在快速转向数位化。

智慧型手机的普及：

智慧型手机的普及是推动行动支付产业的根本催化剂。智慧型手机拥有量在全球范围内不断扩大，行动支付应用程式的潜在用户数量显着增加，特别是在发展中地区。价格实惠的智慧型手机的出现和网路连线的改善进一步支持了这一趋势。

目录

第1章 全球手机付款市场简介

• 市场概要
• 调查范围
• 前提条件

第2章 摘要整理

第3章 VERIFIED MARKET RESEARCH的调查手法

• 资料探勘
• 检验
• 主要采访
• 资料来源一览

第4章 全球手机付款市场展望

• 概要
• 市场动态
  • 促进因素
  • 阻碍因素
  • 机会
• 波特的五力分析
• 价值链分析

第5章 全球手机付款市场:付款各类型

• 概要
• 接近型
• 遥控

第6章 手机付款的全球市场:交易模式别

• 概要
• 行动Web付款
• 近距离无线通讯
• SMS/直接电信业者收费
• 其他

第7章 全球手机付款市场:各终端用户

• 概要
• 个人
• 商务

第8章 手机付款的全球市场:各终端用户

• 概要
• 通讯费汇款和加值
• 汇款和帐单支付
• 商品和优惠券
• 旅游和票
• 其他

第9章 手机付款的全球市场:各用途

• 概要
• 媒体&娱乐
• 能源·公共事业
• 医疗保健
• 零售
• 饭店&运输
• 其他

第10章 手机付款的全球市场:各地区

• 概要
• 北美
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 其他欧洲
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 其他亚太地区
• 全球其他地区
  • 南美
  • 中东·非洲

第11章 全球手机付款市场:竞争情形

• 概要
• 各公司的市场排行榜
• 主要的发展策略

第11章 企业简介

• Samsung Group
• Google LLC
• Amazon.com Inc.
• Visa Inc.
• Paypal Inc.
• Orange SA
• Alipay.com Co. Ltd
• American Express Co.
• Apple Inc.
• Mahindra ComViva

第12章 附录

• 相关调查

Mobile Payment Market Size And Forecast

Mobile Payment Market size was value at USD 2.73 Trillion in 2024 and is projected to reach USD 24.28 Trillion by 2031, growing at a CAGR of 31.41% from 2024 to 2031. Mobile payments refer to the transfer of funds using a mobile device, such as a smartphone or tablet, to pay for goods and services. They allow consumers to make purchases and transfer money digitally without needing cash, checks, or physical credit/debit cards. Mobile payments leverage technologies like NFC, QR codes, and mobile wallets to enable secure transactions. Mobile payment helps to build the digital economy by promoting cashless transactions and eliminating dependency on physical currency. This change improves the efficiency, openness, and traceability of financial transactions, which benefits both businesses and consumers.

Mobile payments utilize advanced security measures to protect user data. These include biometric authentication such as Touch ID or fingerprint scans, PIN input, and two-factor authentication.

Global Mobile Payment Market Dynamics

The key market dynamics that are shaping the global mobile payment market include:

Key Drivers

Government Digitalization Initiatives

: Governments globally are promoting cashless economies through digital payment platforms. For example, India's Unified Payments Interface (UPI) saw over 83 billion transactions in 2022, according to NPCI, driven by the government's push for digital payments under the Digital India initiative.

Increased Smartphone Penetration

: As smartphone usage grows, mobile payment adoption rises. In the U.S., the Federal Reserve reported that 43% of mobile phone owners used mobile payment services in 2021, reflecting widespread accessibility.

Supportive Regulatory Frameworks

: Governments are enacting favorable policies to enhance the mobile payments ecosystem. For example, the European Union's PSD2 (Revised Payment Services Directive) has streamlined mobile payment services and fostered innovation in digital payments across Europe.

Consumer Preferences for Cashless Transactions:

A growing number of consumers prefer cashless payment options due to their convenience and speed. The increasing availability of mobile wallets like Apple Pay and Google Pay facilitates easy access to digital transactions. The remote payment segment is expected to hold a significant revenue share (53.68% in 2023), driven by the rising adoption of digital wallets and mobile banking applications that allow users to make payments from home.

Technological Advancements:

Innovations such as sound wave-based payments are emerging as alternatives to traditional methods, allowing transactions without internet connectivity. This technology is particularly beneficial in regions with limited access to advanced smartphones. The continuous evolution of mobile payment technologies, including NFC and QR codes, enhances transaction security and efficiency, further driving market growth.

Key Challenges:

Technological Integration Difficulties:

Integrating mobile payment solutions into existing business systems can be particularly challenging for smaller merchants who may lack the technical expertise or resources needed for seamless integration. Additionally, compatibility issues between different payment systems can create friction in the user experience, leading to potential loss of sales opportunities if customers encounter difficulties during transactions.

Market Competition:

The mobile payment market is highly competitive, with numerous players vying for market share, including banks, fintech companies, and tech giants like Apple and Google. This intense competition can lead to price wars and reduced profit margins for service providers.

Consumer Trust Issues:

Building consumer trust in mobile payment systems remains a challenge due to ongoing concerns about security and privacy. A survey indicated that approximately 50% of consumers express concerns about the safety of their personal information when using mobile payment applications.

Limited Merchant Acceptance:

Despite the growing popularity of mobile payments, only about 40% of small businesses in the U.S. accepted mobile payments as of 2023. This limited acceptance creates significant barriers for consumers wishing to use mobile payment methods for their purchases.

Key Trends:

Government Initiatives Promoting Digital Payments:

Governments globally are actively promoting digital payments as part of their financial inclusion strategies. For instance, initiatives in countries like India, where the Unified Payments Interface (UPI) facilitated over 40 billion transactions in a single year, demonstrate how regulatory support can drive mobile payment adoption and reduce reliance on cash.

Rise of Contactless Payments Post-COVID-19

: The COVID-19 pandemic significantly accelerated the adoption of contactless payment methods as consumers sought safer transaction options to minimize physical contact. A MasterCard survey indicated that 79% of consumers globally opted for contactless payments during the pandemic, leading to a lasting shift in consumer preferences towards cashless transactions.

Surge in M-commerce Adoption:

The rise of mobile commerce (m-commerce) is a significant driver of mobile payment adoption. As more consumers engage in online shopping using their smartphones, the demand for efficient and secure mobile payment options has surged. The global mobile payments transactions were valued at over USD 2 trillion in 2022, showcasing the rapid shift towards digital purchasing behaviors.

Increasing Smartphone Penetration:

The widespread adoption of smartphones is a fundamental catalyst propelling the mobile payment industry. With smartphone ownership expanding globally, particularly in developing regions, the potential user base for mobile payment applications has vastly increased. This trend is further supported by the availability of affordable smartphones and improved internet connectivity.

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Global Mobile Payment Market Regional Analysis

Here is a more detailed regional analysis of the global mobile payment market.

North America:

North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Major players in the market, such as Apple Pay and Google Pay, have established a strong presence in North America. Apple's payment service accounted for 92% of all mobile wallet debit transactions in the U.S. in 2020, showcasing its dominance in the space.

The rise of e-commerce has also fueled mobile payment adoption; digital products saw nearly 26.8 million average monthly visits in 2021 in the U.S., reflecting consumers' growing familiarity with online shopping and mobile transactions.

The technological infrastructure in North America is highly advanced, facilitating the adoption of mobile payments. The United States has the highest Average Revenue Per User (ARPU) among all countries, approximately 13 times that of China, indicating a mature market ready for further innovation.

Asia Pacific:

Asia Pacific region is estimated to be the most opportunistic region for the mobile payment Market during the forecast period. The market in this region is expected to exhibit rapid growth due to explosive smartphone penetration among unbanked or underbanked populations,

The rapid urbanization and technological advancements in countries like China and South Korea further support this trend. With robust telecommunications infrastructure and high smartphone penetration rates, these nations are well-positioned to embrace mobile payment technologies.

increasing disposable incomes and the active participation of consumers on online platforms foster a favorable environment for mobile payment solutions.

Government initiatives play a crucial role in this growth, as many countries in the region are actively promoting digital payments to enhance financial inclusion and reduce cash reliance.

Global Mobile Payment Market: Segmentation Analysis

The Global Mobile Payment Market is segmented based on Payment Type, Transaction Mode, End-user, Purchase Type, Application And Geography.

Mobile Payment Market, By Payment Type

• Proximity
• Remote

Based on the Payment Type, the Mobile Payment Market is segmented into Proximity and Remote. The remote payment segment holds the largest market share and is projected to grow at a compound annual growth rate (CAGR) of 31.5% during the forecast period. This growth can be attributed to the increasing adoption of digital wallets and mobile banking applications that allow users to make payments from virtually anywhere, using mobile phones, websites, or text messages.

Mobile Payment Market, By Transaction Mode

• Mobile Web Payments
• Near- Field Communication
• SMS/Direct Carrier Billing
• Others

Based on the Transaction Mode, the Mobile Payment Market is segmented into Mobile Web Payments, Near- Field Communication, SMS/Direct Carrier Billing and Others. Mobile web payments dominate significantly over other methods. The mobile web payments segment is favored due to its convenience, as users can easily make transactions through their smartphones without the need for specialized hardware or proximity to a payment terminal.

Mobile Payment Market, By End-User

• Personal
• Business

Based on the End-User, the Mobile Payment Market is segmented into Personal and Business. The personal segment dominates significantly over the segment. This is primarily due to the increasing adoption of mobile payment solutions among individual consumers who prefer the convenience and accessibility these services provide for everyday transactions.

Mobile Payment Market, By Purchase Type

• Airtime Transfer and Top-ups
• Money Transfers and Bill Payments
• Merchandise and Coupons
• Travel and Ticketing
• Others

Based on the Purchase Type, the Mobile Payment Market is segmented into Airtime Transfer and Top-ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing and Others. The money transfers and bill payments segment dominates significantly over the segment. This dominance is driven by the increasing reliance on mobile payment solutions for everyday financial transactions, including utility bills, personal loans, and peer-to-peer money transfers.

Mobile Payment Market, By Application

• Media & Entertainment
• Energy & Utilities
• Healthcare
• Retail
• Hospitality & Transportation
• Others

Based on the Application, the Mobile Payment Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, Hospitality & Transportation and Others. The retail segment dominates significantly over the segment. This dominance is primarily driven by the increasing adoption of mobile payment solutions in retail environments, where convenience and speed are crucial for enhancing customer experiences.

Mobile Payment Market, By Geography

• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

Based on Geography, the Global Mobile Payment Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Key Players

• The "Global Mobile Payment Market" study report will provide valuable insight with an emphasis on the global market including some of the major players such as
• Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, Monzo.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with its product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

• Mobile Payment Market Recent Developments
• In September 2023, Google Pay launched a new feature allowing users to send money directly through their contacts on Android devices. This feature aimed to streamline peer-to-peer transactions and enhance user experience, making it easier for individuals to transfer funds without navigating complex menus.
• In January 2023, PayPal launched a new feature allowing users to buy, hold, and sell cryptocurrencies directly within the PayPal app. This enhancement aimed to attract more users to the platform by providing them with integrated cryptocurrency services alongside traditional payment options.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL MOBILE PAYMENT MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL MOBILE PAYMENT MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL MOBILE PAYMENT MARKET, BY PAYMENT TYPE

• 5.1 Overview
• 5.2 Proximity
• 5.3 Remote

6 GLOBAL MOBILE PAYMENT MARKET, BY TRANSACTION MODE

• 6.1 Overview
• 6.2 Mobile Web Payments
• 6.3 Near- Field Communication
• 6.4 SMS/Direct Carrier Billing
• 6.5 Others

7 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

• 7.1 Overview
• 7.2 Personal
• 7.3 Business

8 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

• 8.1 Overview
• 8.2 Airtime Transfer and Top-ups
• 8.3 Money Transfers and Bill Payments
• 8.4 Merchandise and Coupons
• 8.5 Travel and Ticketing
• 8.6 Others

9 GLOBAL MOBILE PAYMENT MARKET, BY APPLICATION

• 9.1 Overview
• 9.2 Media & Entertainment
• 9.3 Energy & Utilities
• 9.4 Healthcare
• 9.5 Retail
• 9.6 Hospitality & Transportation
• 9.7 Others

10 GLOBAL MOBILE PAYMENT MARKET, BY GEOGRAPHY

• 10.1 Overview
• 10.2 North America
  • 10.2.1 U.S.
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 U.K.
  • 10.3.3 France
  • 10.3.4 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 China
  • 10.4.2 Japan
  • 10.4.3 India
  • 10.4.4 Rest of Asia Pacific
• 10.5 Rest of the World
  • 10.5.1 Latin America
  • 10.5.2 Middle East And Africa

11 GLOBAL MOBILE PAYMENT MARKET COMPETITIVE LANDSCAPE

• 11.1 Overview
• 11.2 Company Market Ranking
• 11.3 Key Development Strategies

11 COMPANY PROFILES

• 11.1 Samsung Group
  • 11.1.1 Overview
  • 11.1.2 Financial Performance
  • 11.1.3 Product Outlook
  • 11.1.4 Key Developments
• 11.2 Google LLC
  • 11.2.1 Overview
  • 11.2.2 Financial Performance
  • 11.2.3 Product Outlook
  • 11.2.4 Key Developments
• 11.3 Amazon.com Inc.
  • 11.3.1 Overview
  • 11.3.2 Financial Performance
  • 11.3.3 Product Outlook
  • 11.3.4 Key Developments
• 11.4 Visa Inc.
  • 11.4.1 Overview
  • 11.4.2 Financial Performance
  • 11.4.3 Product Outlook
  • 11.4.4 Key Developments
• 11.5 Paypal Inc.
  • 11.5.1 Overview
  • 11.5.2 Financial Performance
  • 11.5.3 Product Outlook
  • 11.5.4 Key Developments
• 11.6 Orange SA
  • 11.6.1 Overview
  • 11.6.2 Financial Performance
  • 11.6.3 Product Outlook
  • 11.6.4 Key Developments
• 11.7 Alipay.com Co. Ltd
  • 11.7.1 Overview
  • 11.7.2 Financial Performance
  • 11.7.3 Product Outlook
  • 11.7.4 Key Developments
• 11.8 American Express Co.
  • 11.8.1 Overview
  • 11.8.2 Financial Performance
  • 11.8.3 Product Outlook
  • 11.8.4 Key Developments
• 11.9 Apple Inc.
  • 11.9.1 Overview
  • 11.9.2 Financial Performance
  • 11.9.3 Product Outlook
  • 11.9.4 Key Developments
• 11.11 Mahindra ComViva
  • 11.11.1 Overview
  • 11.11.2 Financial Performance
  • 11.11.3 Product Outlook
  • 11.11.4 Key Developments

12 Appendix

• 11.1 Related Research