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市场调查报告书
商品编码
1754077
中国支付与电子商务（2025）：全球领导者的策略洞察China Payments & E-Commerce 2025: Strategic Insights for Global Leaders |
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价格
简介目录
本报告基于2025年的最新数据，重点关注中国在行动钱包普及、跨境融合和人工智慧驱动的平台创新方面持续保持领先地位。研究结果表明，支付宝、微信支付、京东和阿里巴巴等主要参与者不仅正在重塑中国国内市场，还透过战略合作伙伴关係、人工智慧整合和数位金融创新，不断扩大其全球影响力。
报告主要发现：
- 在融合支付、社群媒体、购物和公共服务的生态系统的推动下，行动钱包如今已成为中国数位交易的主流。
- 阿里巴巴和京东正在大力投资人工智慧基础设施和即时配送，阿里巴巴的88VIP会员计画会员数量已超过5000万。
- 数位人民币（e-CNY）累计交易额已超过7.3兆美元，目前已在超过29个城市涵盖交通、医疗和公共服务等领域。
- 微信支付和支付宝已拓展国际业务，并与Stripe等平台合作，在20多个国家提供行动支付服务。
- 中国2025年的数位金融改革正在重塑生态系统，旨在实现平台互通性、数据透明度和加强消费者保护。
目录
第1章 重要点
第2章 管理摘要
第3章 亚太地区的非现金付款和收益预测
- 非现金交易总额趋势及预测
- B2B 非现金交易总额趋势及预测
- 支付收入趋势
- 依类型（商业和消费者）划分的支付收入
- 新型支付和传统支付在交易量中的占比
- 支付收入占比 (%)
第4章 中国:电子商务和数位付款的形势
- B2C 电子商务市场概要
- 网路使用者数及网路普及率
- 网购用户数及网路普及率
- 线上实体商品销售额占社会消费品零售总额的比重
- 以城乡划分的网路使用者总数
- 跨国网购前五大国家及国际消费者占比
- 国际跨国网购占比
- 中国商家近期跨境网购前三大来源市场
- 愿意在网路上购买奢侈品和设计师产品而无需亲眼看到
- 中国主要支付平台及支付生态系统
- 阿里巴巴人工智慧投资策略及平台整合概述
- 阿里巴巴淘宝和天猫平台上的微信支付可用日期
- 淘宝与天猫会员策略、人工智慧行销及收入来源
- 生成式人工智慧、零售效率、消费者洞察及策略调整
- 人工智慧广告阿里巴巴、腾讯和京东的策略
- 支付宝 Tap!用户成长、生态系统投资以及人工智慧驱动的医疗保健的扩张
- BNPL 市场成长、领先平台与产业整合
- 中国数位消费趋势与支付偏好
- 行动上网用户及普及率
- 直播用户及网路用户普及率
- 依年龄层划分的新网路使用者比例
- 行动钱包普及率和不断变化的电商支付偏好
- 早期采用者消费者对生成式人工智慧购物工具的功能性使用
- 习惯的改变、支出的增加、科技驱动的便利
- 创新与监管塑造中国数位支付的未来
- 电子人民币与微信：微信支付的兴起重塑了全球支付生态系统
- 人民币国际化、跨国支付基础建设、出境旅游
- 反垄断执法、金融资料流指南、线上身分识别法规
- 数位身分识别改革及其对电商和支付
- 中国线上支付格局：支付方式、使用情况和成长
- 支付市场规模预测
- 以支付方式划分的消费者交易占有率
- 每日使用微信支付的消费者比例
- 微信支付和支付宝在行动支付领域的市场占有率和生态系统渗透率
- 成年消费者中行动钱包的渗透率
- 行动钱包拥有量与使用情况
- 行动钱包渗透率、数位基础设施和消费者采用率
- 线上支付使用情况的发展与使用者渗透率
- 银行卡交易量
- 金融卡交易量
- 信用卡和签帐卡交易量
- 透过收购和全球合作促进跨国支付的成长
- 支付宝和微信支付的全球扩张和跨国使用趋势
第五章 概述：2025年中国数位支付格局的策略演变
简介目录
Product Code: 1694
China's Digital Payment Revolution: Strategic Shifts and Global Implications Unveiled by yStats.com.
Drawing from the latest 2025 data, the report highlights China's continued leadership in mobile wallet adoption, cross-border integration, and AI-driven platform innovation. The findings reveal how dominant players such as Alipay, WeChat Pay, JD.com, and Alibaba are not only reshaping China's domestic market, but also extending their influence globally through strategic partnerships, AI integration, and digital finance innovation.
"China is no longer just a domestic digital powerhouse - it is setting benchmarks that the rest of the world is watching," said Yucel Yelken, Founder & CEO of yStats.com. "Our latest report offers essential strategic context for global companies navigating the convergence of payments, e-commerce, and AI in one of the most complex and dynamic markets."
Key insights from the report include:
- Mobile wallets now account for the vast majority of digital transactions in China, driven by integrated ecosystems combining payments, social media, shopping, and public services.
- Alibaba and JD.com have invested heavily in AI infrastructure and instant delivery, with Alibaba's 88VIP loyalty program surpassing 50 million members.
- The digital yuan (e-CNY) has reached over USD 7.3 trillion in cumulative transaction volume, now used across more than 29 cities, including for transport, healthcare, and public services.
- WeChat Pay and Alipay are expanding internationally, with mobile payments accepted across 20+ countries through partnerships with platforms like Stripe.
- China's 2025 digital finance reforms are reshaping the ecosystem, targeting platform interoperability, data transparency, and enhanced consumer protection.
Table of Contents
1. Key Takeaways
2. Management Summary
3. Asia-Pacific Non-Cash Payments and Revenue Outlook
- Total Non-cash Transactions Volume, in volume billions, 2018 & 2021 - 2024e & 2028f
- Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021 - 2024e & 2028f
- Payments Revenue Value, in USD trillion, 2013, 2018, 2020 - 2023
- Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
- Payment Mix of New vs Traditional Payments, in % of Transaction Volume, 2023
- Share of Payment Revenue Value, in %, 2027f
4. China: E-Commerce and Digital Payments Landscape
- 4.1. B2C E-Commerce Market Overview
- Number of Internet Users, in millions and Internet Penetration, in %, December 2020 - December 2024
- Number of Online Shoppers, in millions, and Internet Penetration, in %, December 2020 - December 2024
- Share of Online Physical Goods Sales, in % of Total Retail Sales of Consumer Goods, Q1 2025
- Breakdown of Total Internet Users by Urban & Rural Areas, in %, Dec. 2023 & Dec. 2024
- Top 5 Global Origins for Cross-Border Online Purchases, % of International Shoppers, 2024
- Share of International Cross-Border Online Purchases, in %, 2018-2024
- Top 3 Source Markets for Most Recent Cross-Border Online Purchase by Chinese Shop., in %, 2024
- Willingness to Purchase Luxury or Designer Products Online Without Seeing Them First, in %, 2024
- 4.2. Leading Platforms and Payment Ecosystems in China
- Overview of Alibaba's AI Investment Strategy and Platform Integration, June 2025
- WeChat Pay Availability on Alibaba's Taobao and Tmall Platforms, June 2025
- Taobao and Tmall's Membership Strategy, AI Marketing, and Revenue Drivers, June 2025
- Generative AI, Retail Productivity, Consumer Insights, Strategic Adaptation, June 2025
- AI-Powered Advertising Strategies of Alibaba, Tencent, and JD.com, May 2025
- Alipay Tap!'s User Growth, Ecosystem Investment, and AI-Driven Healthcare Expansion, June 2025
- BNPL Market Growth, Key Platforms, and Sectoral Integration, June 2025
- 4.3. Digital Consumer Trends and Payment Preferences in China
- Number of Mobile Internet Users, in million, and Penetration, in % of Internet Users, December 2020 - December 2024
- Number of Livestream Users, in million, and Penetration, in % of Internet Users, December 2020 - December 2024
- Share of New Internet Users by Age Group, in %, H1 2024
- Mobile Wallet Penetration and Shifting E-Commerce Payment Preferences, June 2025
- Functional Use of Generative AI Shopping Tools Among Early-Adopting Consumers, August 2024
- Shifting Habits, Rising Spending, and Tech-Driven Convenience, June 2025
- 4.4. Innovation and Regulation Shaping China's Digital Payment Future
- Rise of e-CNY and WeChat Pay in Reshaping Global Payment Ecosystems, June 2025
- Yuan Internationalization, Cross-Border Payment Infrastructure, and Outbound Tourism, June 2025
- Antitrust Enforcement, Financial Data Flow Guidelines, and Online Identity Regulation, June 2025
- Digital ID Reforms and their Implications for E-Commerce and Payments, June 2025
- 4.5. China's Online Payment Landscape: Methods, Usage, and Growth
- Forecasted Payment Market Size, in USD trillions, 2025e & 2030f
- Share of Consumer Transactions by Payment Method, in %, 2024
- Share of Consumers Using WeChat Pay Daily, in %, 2023
- WeChat Pay & Alipay Market Share in % and Ecosystem Penetration in Mobile Payments, 2023
- Mobile Wallet Penetration among Adult Consumers, in %, Q2 2023
- Mobile Wallet Ownership and Usage, in %, Q2 2023
- Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, June 2025
- Development of Online Payment Usage and User Penetration, December 2020 - December 2024
- Card Transaction Value, in USD trillion, 2024 & 2028f
- Debit Card Transaction Value, in CNY trillions, 2020 - 2028f
- Credit and Charge Card Transaction Value, in CNY trillions, 2020 - 2028f
- Growth of Cross-Border Payments via Acquisitions and Global Partnerships, June 2025
- Alipay and WeChat Pay Global Expansion and Cross-Border Usage Trends, June 2025
