全球行动付款技术市场规模（按付款类型、交易模式、购买类型、应用、区域覆盖范围及预测）- 2020 年

行动付款技术市场规模及预测

预计行动付款技术市场规模在 2024 年将达到 7,427.2 亿美元，到 2032 年将达到 227124.1 亿美元，在 2026-2032 年预测期内的复合年增长率为 58.85%。

行动付款技术在零售、电子商务、运输甚至P2P付款领域有着广泛的应用，使用户能够轻鬆地在多个地点进行交易。

行动付款技术的未来前景光明，预计安全功能将有所进步，与区块链和人工智慧等新技术的融合，并在发展中地区得到更广泛的应用，所有这些都将为全球用户增加便利性和可近性。

行动付款技术的全球市场动态

影响全球行动付款技术市场的关键市场动态是：

关键驱动因素

智慧型手机普及率不断提高：全球智慧型手机的日益普及是行动付款技术市场的主要推动力。预计到 2021 年，智慧型手机用户总数将超过 38 亿，行动付款应用程式让消费者随时随地轻鬆购物。预计这一趋势将持续下去，行动付款系统的使用也将加速。 2024 年 4 月，苹果宣布 iPhone 在新兴市场的销售量与前一年同期比较增 22%，其中行动付款功能是推动其普及的主要动力。

非接触式付款的偏好日益增长：受新冠疫情影响，对非接触式付款解决方案的需求不断增长，显着增强了行动付款技术领域的发展。消费者越来越喜欢非接触式付款的便利性和安全性，以避免交易过程中的身体接触。这些消费行为趋势正在鼓励商家利用行动付款解决方案来满足客户需求。

安全技术的进步：生物识别（指纹和脸部认证）和标记化等安全措施的不断改进，正在增加客户对行动付款系统的信任。在安全问题仍然是采用的障碍的时代，这些进步有助于限制风险并保护敏感的付款信息，鼓励更多人使用行动付款技术。 2024年3月，Visa宣布其网路上60%的行动付款交易使用生物识别方法（指纹、脸部认证），高于前一年的45%。

政府措施和法规：许多政府正在支持数付款替代方案，以促进金融包容性并最大限度地减少对现金交易的依赖。付款管道补贴、接受行动付款的商家奖励以及鼓励安全付款生态系统的法规等倡议正在推动行动付款技术市场向前发展，并鼓励企业和消费者采用这些解决方案。 2024年4月，美国联邦储备委员会宣布开发名为「Fed Now」的快速付款服务，计画于2025年推出，并预测行动付款的使用将会增加。

主要问题

安全问题：儘管安全技术取得了进步，但行动付款领域仍然受到资料外洩和诈骗的困扰。消费者担心其财务和个人资讯的安全，这可能会阻止他们采用行动付款解决方案。确保强有力的安全措施和赢得消费者的信任仍然是该领域组织面临的主要挑战。

缺乏标准化：行动付款生态系统缺乏统一的标准，为不同付款管道和设备之间的互通性带来了挑战。不同的技术、通讯协定和使用者介面让消费者感到困惑，并阻碍了无摩擦的商业活动。建立行业标准对于提高互通性和改善整体用户体验至关重要。

基础设施限制：在许多地方，特别是开发中国家，技术基础设施不足是采用行动付款系统的障碍。网路存取不良、智慧型手机普及率低以及缺乏支援性付款基础设施都是行动付款普遍接受和有效性的障碍。

监管挑战：行动付款业务受到不同地区差异很大的复杂监管。对于在全球营运的公司来说，遵守不同的资料保护、洗钱防制和付款处理标准可能会很困难。克服这些监管障碍需要大量资源，这会影响我们的市场进入速度和成长策略。

主要趋势

数位钱包的普及：越来越多的消费者正在采用Apple Pay、Google Pay和Samsung Pay等数位钱包。这些钱包允许用户在一个地方储存各种付款方式，从而可以在店内和线上更快地购物。电子商务的兴起和对无摩擦结帐体验的需求正在推动数位钱包的兴起。

生物辨识认证整合：指纹扫描和脸部认证等生物辨识认证方法在行动付款系统中的应用越来越广泛。这一趋势透过实现快速、安全的付款应用程式访问，提高了安全性并改善了用户体验。随着消费者越来越重视交易的安全性，生物识别预计会增加。

非接触式付款的兴起：我们正在看到向非接触式付款技术的转变，尤其是自 COVID-19 疫情爆发以来。消费者正在转向使用非接触式卡和智慧型手机付款，以避免购物时的身体接触。这一趋势正在鼓励商家采用非接触式付款技术，促进行动付款解决方案的全面扩展。

加密货币在付款中的使用日益增加：随着越来越多的平台和零售商接受数位货币，加密货币作为付款方式的接受度正在不断增长。区块链技术的进步和稳定币的诞生使得消费者能够使用加密货币进行常规交易。这项发展有望改变行动付款生态系统，为用户提供传统货币的替代品。

目录

第一章 全球行动付款技术市场介绍

• 市场概览
• 研究范围
• 先决条件

第二章执行摘要

第三章：已验证的市场研究调查方法

• 资料探勘
• 验证
• 第一手资料
• 资料来源列表

第四章 全球行动付款技术市场展望

• 概述
• 市场动态
  • 驱动程式
  • 限制因素
  • 机会
• 波特五力模型
• 价值链分析

第五章 全球行动付款技术市场（按付款方式）

• 概述
• 近距离付款
• 远端付款

第六章 全球行动付款技术市场（依技术划分）

• 概述
• NFC
• QR 图码
• WAP 和基于卡片
• 数位钱包
• 基于银行应用程式
• 基于简讯/DCB
• 其他的

第七章全球行动付款技术市场（按应用）

• 概述
• BFSI
• 零售
• 卫生保健
• 娱乐
• 资讯科技/通讯
• 能源公共产业
• 饭店与旅游
• 其他的

8. 行动付款技术市场（按购买类型）

• 通讯转移和储值
• 汇款及付款
• 产品和优惠券
• 旅行和门票

第九章 全球行动付款技术市场（按地区）

• 概述
• 北美洲
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 其他欧洲国家
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 其他亚太地区
• 其他的
  • 拉丁美洲
  • 中东和非洲

第十章全球行动付款技术市场的竞争格局

• 概述
• 各公司市场排名
• 重点发展策略

第十一章 公司简介

• Orange SA
• Vodacom Group Limited
• MasterCard Incorporated
• Bharti Airtel Limited
• MTN Group Limited
• Safaricom Limited
• PayPal Holdings Inc.
• Econet Wireless Zimbabwe Limited
• Millicom International Cellular SA
• Mahindra Comviva
• AT & T'S
• JIO
• Apple Inc.
• Google LLC.

第十二章 附录

• 相关报告

Mobile Payment Technology Market Size And Forecast

Mobile Payment Technology Market size was valued at USD 742.72 Billion in 2024 and is projected to reach USD 22712.41 Billion by 2032, growing at a CAGR of 58.85% from 2026 to 2032. goods and services swiftly and securely through a variety of payment methods such as near-field communication (NFC), mobile wallets, and online banking apps.

Mobile payment technology has a wide range of applications, including retail, e-commerce, transportation, and even peer-to-peer payments, allowing users to make transactions effortlessly across several locations.

The future of mobile payment technology looks promising, with expected advancements in security features, integration with emerging technologies such as blockchain and artificial intelligence, and increased adoption in developing regions, all of which will improve convenience and accessibility for users worldwide.

Global Mobile Payment Technology Market Dynamics

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

Key Drivers:

Increasing Smartphone Penetration: The global use of smartphones is a major driver of the mobile payment technology market. With over 3.8 billion smartphone users by 2021, mobile payment apps make it easy for consumers to perform purchases at any time and from any location. This trend is projected to continue, accelerating the use of mobile payment systems. In April 2024, Apple stated that iPhone sales in emerging markets increased by 22% year on year, with mobile payment functionality being a key driver of adoption.

Growing Preference for Contactless Payments: The increase in demand for contactless payment solutions, aided by the COVID-19 epidemic, has greatly strengthened the mobile payment technology sector. Consumers are increasingly preferring the ease and security of contactless payments to avoid physical contact during transactions. This trend in consumer behavior encourages merchants to use mobile payment solutions to satisfy client desires.

Advancements in Security Technologies: Continuous improvements in security measures, such as biometric authentication (fingerprint and facial recognition) and tokenization, are increasing customer trust in mobile payment systems. As security concerns remain a barrier to adoption, these advancements help limit risks and protect sensitive payment information, encouraging more people to use mobile payment technology. In March 2024, Visa announced that biometric authentication methods (fingerprint, facial recognition) were used in 60% of mobile payment transactions on its network, up from 45% the year before.

Government Initiatives and Regulations: Many governments are supporting digital payment alternatives to increase financial inclusion and minimize reliance on cash transactions. Initiatives like as subsidies for digital payment platforms, incentives for merchants to accept mobile payments, and rules that encourage secure payment ecosystems are propelling the mobile payment technology market forward, pushing businesses and consumers to use these solutions. The United States Federal Reserve announced in April 2024 the development of Fed Now, a quick payment service slated to start in 2025 and projected to increase mobile payment use.

Key Challenges:

Security Concerns: Despite advances in security technologies, the mobile payment sector continues to be plagued by data leaks and fraudulent activity. Users are concerned about the security of their financial and personal information, which may prevent them from using mobile payment solutions. Ensuring strong security measures and winning consumer trust are still major difficulties for organizations in this field.

Lack of Standardization: The mobile payment ecosystem lacks uniform standards, which causes interoperability challenges between different payment platforms and devices. Different technologies, protocols, and user interfaces can cause consumer confusion and impede frictionless transactions. Establishing industry-wide standards is critical for increasing interoperability and improving the overall user experience.

Infrastructure Limitations: In many places, particularly in developing countries, insufficient technology infrastructure can hinder the adoption of mobile payment systems. Poor internet access, low smartphone adoption, and a lack of supporting payment infrastructure can all impede mobile payments' general acceptability and effectiveness.

Regulatory Challenges: The mobile payment business is governed by a complicated set of regulations that can vary greatly by area. Compliance with differing standards on data protection, anti-money laundering, and payment processing can be difficult for organizations operating globally. Navigating these regulatory hurdles demands significant resources and might have an impact on the speed of market entry and growth strategy.

Key Trends:

Increasing Adoption of Digital Wallets: Consumers are increasingly turning to digital wallets like Apple Pay, Google Pay, and Samsung Pay as they seek easy and secure payment solutions. These wallets let users to store various payment methods in one location, allowing for rapid purchases both in-store and online. The rise of e-commerce and the demand for frictionless checkout experiences fuel the push toward digital wallets.

Integration of Biometric Authentication: Biometric identification methods, such as fingerprint scanning and facial recognition, are increasingly being used in mobile payment systems. This trend increases security and improves user experience by allowing for quick and secure access to payment apps. As consumer's value safety in their transactions, biometric integration is projected to increase.

Expansion of Contactless Payments: The transition of contactless payment technologies has increased, especially since the COVID-19 pandemic. Consumers are increasingly using contactless cards and smartphone payments to avoid physical contact during purchases. This tendency encourages merchants to use contactless payment technology, which contributes to the overall expansion of mobile payment solutions.

Increasing Use of Cryptocurrency for Payment: The acceptance of cryptocurrencies as a payment method is growing, due to a rising number of platforms and retailers who accept digital currencies. Consumers can now utilize cryptocurrencies for regular transactions thanks to advancements in blockchain technology and the creation of stable coins. This development is likely to transform the mobile payment ecosystem, providing users with alternatives to established currencies.

Global Mobile Payment Technology Market Regional Analysis

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

Europe:

North America remains a leading force in the Mobile Payment Technology Market, owing to high smartphone adoption, robust technological infrastructure, and a strong push for cashless transactions. The Federal Reserve's 2024 Payments Study, published in April, found that mobile payments in the United States increased by 28% in 2023 compared to the previous year, accounting for 22% of all retail transactions. This expansion is fueled by the growing use of mobile wallets and contactless payment solutions in a variety of industries.

For instance, in July 2023, the United States Treasury Department proposed measures to improve cybersecurity for financial transactions, encouraging a safer environment for digital payments. In September 2023, furthermore, a poll conducted by the National Retail Federation indicated that approximately 70% of customers in the region are now comfortable utilizing mobile payment apps, reinforcing North America's position as the global leader.

Asia Pacific:

The Asia Pacific area is experiencing tremendous expansion in the mobile payment technology market, owing to rising smartphone adoption and a thriving digital economy. In September 2023, Alibaba's Ant Group said that it would expand its mobile payment services in Southeast Asia, reflecting the region's potential for mobile commerce.

For instance, in August 2023, the Reserve Bank of India launched the "Digital Payments Utsav" campaign to encourage people and companies to switch to digital payment systems. Furthermore, in July 2023 poll performed by the Asia-Pacific Economic Cooperation (APEC) revealed that about 75% of consumers in the area have used mobile payment apps in the previous year, indicating that customers are becoming more comfortable and trusting of these technologies.

Global Mobile Payment Technology Market: Segmentation Analysis

The Global Mobile Payment Technology Market is segmented on the basis of Payment Type, Transaction Mode, Purchase Type, Application, and Geography.

Mobile Payment Technology Market, By Payment Type

• Proximity
• Remote

Based on Payment Type, the Global Mobile Payment Technology Market is segmented into Proximity, and Remote. The proximity payment category is currently prominent, as it includes popular methods like as NFC (Near Field Communication) and QR code payments, which are commonly used in retail situations. The remote payment segment is the fastest-growing, driven by rising demand for e-commerce and digital transactions, especially in the aftermath of the COVID-19 pandemic, as customers seek simple and flexible payment solutions for online purchases.

Mobile Payment Technology Market, By Transaction Mode

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

Based on Transaction Mode, the Global Mobile Payment Technology Market is segmented into Mobile Web Payments, Near-Field Communication, and SMS/Direct Carrier Billing. The Near-Field Communication (NFC) segment is currently prominent because it allows for easy and secure transactions in retail contexts via tap-to-pay. Meanwhile, Mobile Web Payments is the fastest-growing area, driven by the rise of e-commerce and mobile shopping, as consumers prefer to make purchases directly through mobile websites and apps.

Mobile Payment Technology Market, By Purchase Type

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

Based on Purchase Type, the Global Mobile Payment Technology Market is segmented into Airtime Transfer and Top-Ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing. The Money Transfers and Bill Payments sector is now prominent because it includes a wide range of important financial operations that customers often conduct. The Travel and Ticketing area is the fastest-growing, driven by rising demand for simple payment options in the travel industry, especially as travel resumes and digital ticketing becomes more common.

Mobile Payment Technology Market, By Application

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

Based on Application, the Global Mobile Payment Technology Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, and Hospitality & Transportation. The retail market is currently dominant, due to the growing adoption of mobile payment solutions for both in-store and online buying experiences. The Hospitality & Transportation area is the fastest-growing, owing to rising consumer demand for frictionless payment experiences when booking services and traveling, notably via applications and digital channels.

Mobile Payment Technology Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the World

Based on the Geography, the Global Mobile Payment Technology Market are classified into North America, Europe, Asia Pacific, Rest of the World. North America is currently the dominant region, due to sophisticated technology infrastructure and widespread consumer use of mobile payment options. The Asia Pacific area is the fastest growing, owing to a quickly increasing digital economy, greater smartphone penetration, and rising consumer preference for mobile payments in countries such as China and India.

Key Players

The "Global Mobile Payment Technology Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, and 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.

• Global Mobile Payment Technology Market: Recent Developments
• In July 2023, Apple announced an update to its Apple Pay service that included support for new cryptocurrencies. This move corresponds with rising consumer interest in digital currencies, allowing users to perform transactions using multiple cryptocurrencies directly through Apple Wallet.
• In August 2023, Samsung Pay has teamed with various banks in the United States to develop a loyalty rewards program for its users. Customers can earn points for each mobile payment transaction, which promotes consumer engagement and encourages the adoption of mobile payments.
• In August 2023, Visa increased its partnership with fintech startups to improve mobile payment security using blockchain technology. This collaboration seeks to use decentralized systems to improve the transparency and security of mobile transactions, thereby addressing growing concerns about fraud in digital payments.

TABLE OF CONTENTS

1. INTRODUCTION OF GLOBAL MOBILE PAYMENT TECHNOLOGY 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 TECHNOLOGY 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 TECHNOLOGY MARKET, BY PAYMENT MODE

• 5.1. Overview
• 5.2. Proximity Payment
• 5.3. Remote Payment

6. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY TECHNOLOGY

• 6.1. Overview
• 6.2. NFC
• 6.3. QR Code
• 6.4. WAP & Card-Based
• 6.5. Digital Wallet
• 6.6. Banking App-based
• 6.7. SMS-based/DCB
• 6.8. Others

7. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY APPLICATION

• 7.1. Overview
• 7.2. BFSI
• 7.3. Retail
• 7.4. Healthcare
• 7.5. Entertainment
• 7.6. IT and Telecom
• 7.7. Energy & Utilities
• 7.8. Hospitality & Tourism
• 7.9. Others

8. Mobile Payment Technology Market, By Purchase Type

• 8.1 Airtime Transfer and Top-Ups
• 8.2 Money Transfers and Bill Payments
• 8.3 Merchandise and Coupons
• 8.4 Travel and Ticketing

9. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY GEOGRAPHY

• 9.1. Overview
• 9.2. North America
  • 9.2.1. U.S.
  • 9.2.2. Canada
  • 9.2.3. Mexico
• 9.3. Europe
  • 9.3.1. Germany
  • 9.3.2. U.K.
  • 9.3.3. France
  • 9.3.4. Rest of Europe
• 9.4. Asia Pacific
  • 9.4.1. China
  • 9.4.2. Japan
  • 9.4.3. India
  • 9.4.4. Rest of Asia Pacific
• 9.5. Rest of the World
  • 9.5.1. Latin America
  • 9.5.2. Middle East & Africa

10. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET COMPETITIVE LANDSCAPE

• 10.1. Overview
• 10.2. Company Market Ranking
• 10.3. Key Development Strategies

11. COMPANY PROFILES

• 11.1. Orange S.A.
  • 11.1.1. Overview
  • 11.1.2. Financial Performance
  • 11.1.3. Product Outlook
  • 11.1.4. Key Developments
• 11.2. Vodacom Group Limited
  • 11.2.1. Overview
  • 11.2.2. Financial Performance
  • 11.2.3. Product Outlook
  • 11.2.4. Key Developments
• 11.3. MasterCard Incorporated
  • 11.3.1. Overview
  • 11.3.2. Financial Performance
  • 11.3.3. Product Outlook
  • 11.3.4. Key Developments
• 11.4. Bharti Airtel Limited
  • 11.4.1. Overview
  • 11.4.2. Financial Performance
  • 11.4.3. Product Outlook
  • 11.4.4. Key Developments
• 11.5. MTN Group Limited
  • 11.5.1. Overview
  • 11.5.2. Financial Performance
  • 11.5.3. Product Outlook
  • 11.5.4. Key Developments
• 11.6. Safaricom Limited
  • 11.6.1. Overview
  • 11.6.2. Financial Performance
  • 11.6.3. Product Outlook
  • 11.6.4. Key Developments
• 11.7. PayPal Holdings Inc.
  • 11.7.1. Overview
  • 11.7.2. Financial Performance
  • 11.7.3. Product Outlook
  • 11.7.4. Key Developments
• 11.8. Econet Wireless Zimbabwe Limited
  • 11.8.1. Overview
  • 11.8.2. Financial Performance
  • 11.8.3. Product Outlook
  • 11.8.4. Key Developments
• 11.9. Millicom International Cellular SA
  • 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
• 11.11. AT &T'S
  • 11.11.1. Overview
  • 11.11.2. Financial Performance
  • 11.11.3. Product Outlook
  • 11.11.4. Key Developments
• 11.12. JIO
  • 11.12.1. Overview
  • 11.12.2. Financial Performance
  • 11.12.3. Product Outlook
  • 11.12.4. Key Developments
• 11.13. Apple Inc.
  • 11.13.1. Overview
  • 11.13.2. Financial Performance
  • 11.13.3. Product Outlook
  • 11.13.4. Key Developments
• 11.14. Google LLC.
  • 11.14.1. Overview
  • 11.14.2. Financial Performance
  • 11.14.3. Product Outlook
  • 11.14.4. Key Developments

12. Appendix

• 12.1. Related Reports