亚太地区的数位付款 (2025年):付款方式·趋势·消费者的变化

到2027年，亚太地区的行动钱包将超越银行卡，人工智慧和法规加速支付创新

行动钱包成长迅速，但银行卡和现金仍发挥重要作用

到2028年，亚太地区的非现金交易将达到1.5兆笔，预计到2027年，数位钱包将占POS支付的66%，高于2023年的50%。在二维码、超级应用和政府主导的举措的推动下，中国、印尼和韩国正处于领先地位。同时，由于可靠的支付基础设施和会员计划，银行卡在日本和澳洲依然保持强劲增长；而现金在香港、越南和马来西亚仍然普遍使用，尤其是在线下消费。

人工智慧正在推动支付创新，但不同市场的采用情况各不相同

人工智慧正在透过防诈欺、信用评分、营运效率等方式改变支付方式。 Visa 已投资超过 30 亿美元用于 Visa Protect 等人工智慧工具，以提高即时支付的安全性。东南亚企业预计，到 2027 年，人工智慧将使成本降低 7-9%，收入增加高达 9%，但不同市场的采用情况各不相同。

监理加强跨国支付互联互通

印度的 UPI 扩展、中国的电子人民币试点以及印尼的 QRIS 系统等举措正在加强跨境和国内支付互联互通。这些监管措施正在整合分散的支付系统，并为区域和全球商业创造新的机会。

本报告研究了亚太地区的数位支付市场，并总结了该地区及主要国家的非现金交易数量和支付金额的趋势和预测、支付类型的细分以及人工智慧的采用趋势及其影响。

目录

第1章 重要点

第2章 管理摘要

第3章 亚太地区的数位付款相关洞察和AI的发展

• 非现金交易总额
• B2B 非现金交易总额
• 支付收入
• 2018 年和 2023 年按类型（商业和消费者）划分的支付收入
• 2023 年新增支付与传统支付在交易量中的比例
• 2023-2027 年 POS 机主要支付方式（占交易量的百分比）
• 支付收入预测占有率
• 电子商务和数位领域信贷普惠、财务自动化和采购人工智慧应用的机会增加支付
• 人工智慧在诈欺侦测、即时支付安全和生物辨识身分验证中的应用
• 人工智慧整合、稳定币卡、代币化汇款以及小微型商家接入
• 人工智慧驱动型金融科技公司的融资：趋势与预测
• 东南亚：人工智慧在电子商务和数位支付领域应用的驱动因素
• 东南亚：人工智慧/人工智慧带来的平均成本降低
• 东南亚：人工智慧/人工智慧带来的平均收入成长

第4章 中国的付款市场:概要，行动电子钱包的利用，消费者趋势

• 行动钱包普及率、数位基础设施和消费者采用率
• 成年消费者行动钱包普及率
• 行动钱包拥有率与使用率
• 2023年每日使用微信支付的消费者比例
• 市占率和生态系渗透率微信支付和支付宝在行动支付的应用
• 2024年各支付方式的消费者交易占有率
• 线上支付使用情形与使用者渗透率趋势
• 2025年及2030年支付市场规模预测
• 银行卡交易量：趋势与预测
• 金融卡交易量：趋势与预测
• 信用卡与签帐卡交易量：趋势与预测

第5章 日本的付款市场:概要，无现款引进，消费者喜好

• 银行卡支付市场趋势、现金使用、政府无现金政策目标
• 无现金支付方式细分
• 无现金支付比例
• 电子货币家庭普及率
• 2024年网路购物用户网路交易付款方式细分
• 行动支付市场规模：实际与预测
• 即时交易量：实际值与预测值
• 银行卡交易量：实际值与预测值
• 纸本支付占比：实际值与预测值

第6章 印度的付款市场:概要，数位钱包的利用，电子商务付款

• 使用数位钱包进行线上和线下购物的消费者比例
• 行动钱包支付：实际值和预测值
• 即时交易的电子支付占比
• 2024 年电商最常使用的线上付款方式
• 银行卡交易量：实际值与预测值
• 2024 年 9 月线上信用卡交易占信用卡总消费的比例
• 线上信用卡消费占比

第7章 韩国的付款市场:概要，手机付款，网路购物趋势

• 智慧型手机拥有量2023 年
• 行动装置数位交易占有率
• Simple Payment 服务的每日使用量：实际值和预测值
• Simple Payment 服务的交易量
• Samsung Pay 在行动支付中的市场占有率（占总支付和麵对面支付的比例）
• 线上购物活动频率
• B2C 电子商务支付：实际值与预测值
• 行动支付市场规模：实际值与预测值
• 银行卡交易量：实际值与预测值

第8章 澳洲的付款市场:概要，卡交易，BNPL的优惠措施

• 行动电子钱包付款:实际成果·预测
• 卡交易额:实际成果·预测
• 认为 BNPL 是最具吸引力的电子商务支付方式的 Z 世代和 Y 世代消费者百分比

第9章 印尼的付款市场:概要，电子钱包的利用，加盟店付款趋势

• 银行卡交易量：实际值及预测值
• 行动支付市场规模：实际值及预测值
• 行动支付市场占有率
• 行动支付市场占有率
• 2023年各支付方式的消费者占有率
• 使用电子钱包进行金融交易的消费者比例
• 商家接受的付款方式（商家比例）
• 商家观察到的支付趋势（商家比例）
• 2024年被视为对商业策略至关重要的支付措施（商家比例）

第10章 越南的付款市场:概要，电子钱包供应商，加盟店的引进

• 银行卡交易量：实际值及预测值
• 主要电子钱包供应商的市场占有率
• 商家接受的付款方式（商家百分比）
• 商家观察到的支付趋势（商家百分比）
• 2024 年被视为对商业策略至关重要的支付措施（商家百分比）

第11章 泰国的付款市场:概要，行动电子钱包的利用，加盟店的配合措施

• 行动钱包支付：现状与预测
• 商家接受的付款方式（商家百分比）
• 商家观察到的支付趋势（商家百分比）
• 2024 年被视为对商业策略至关重要的支付措施（商家百分比）

第12章 新加坡的付款市场:概要，卡交易，加盟店的洞察

• 银行卡交易量：历史资料及预测
• 商家接受的付款方式（商家百分比）
• 商家观察到的支付趋势（商家百分比）
• 2024 年被视为对商业策略至关重要的支付措施（商家百分比）

第13章 菲律宾的付款市场:概要，卡交易，加盟店趋势

• 银行卡交易量：历史资料及预测
• 商家接受的付款方式（商家百分比）
• 商家观察到的支付趋势（商家百分比）
• 2024 年被视为对商业策略至关重要的支付措施（商家百分比）商家）

第14章 马来西亚的付款市场:概要，电子钱包的利用，卡交易

• 银行卡交易量：历史与预测
• 按购买类型划分的消费者使用电子钱包的百分比：线上购物 vs. 外卖

第15章 香港的付款市场:概要，数位付款占有率，市场趋势

• 支付市场规模：历史及预测
• 按付款方式划分的市场占有率：POS 机 vs. 线上销售
• 线上交易的热门数位支付方式（受访者百分比）
• 营运本地化、消费者偏好、法规遵从性
• 支付整合、商家采用、数位创新

第16章 纽西兰的付款市场:概要，卡交易，电子商务付款

• 卡交易额:实际成果·预测
• 电子商务市场上支付卡的占有率

Mobile Wallets to Surpass Cards by 2027 Across Asia-Pacific, While AI and Regulation Drive Payment Innovation, yStats.com Reports

Mobile Wallets Surge, but Cards and Cash Stay Relevant

By 2028, non-cash transactions in Asia-Pacific are set to hit 1.5 trillion, with digital wallets making up 66% of POS payments by 2027, up from 50% in 2023. China, Indonesia, and South Korea lead this shift, thanks to QR codes, super-apps, and government initiatives. Still, cards hold strong in Japan and Australia due to trusted systems and loyalty programs, while cash remains widely used in Hong Kong, Vietnam, and Malaysia, especially for offline spending.

AI Drives Payment Innovation with Uneven Uptake

Artificial intelligence is reshaping payments, boosting fraud prevention, credit access, and operations. Visa has put over USD 3 billion into AI tools like Visa Protect to strengthen real-time payment security. Southeast Asian firms expect 7-9% cost savings and up to 9% revenue gains from AI by 2027, though adoption rates differ across markets.

Regulations Boost Cross-Border Payment Connectivity

Efforts like India's UPI expansion, China's e-CNY pilots, and Indonesia's QRIS system are improving cross-border and domestic payment links. These regulatory moves are streamlining fragmented systems and opening new opportunities for regional and global commerce.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Asia-Pacific Digital Payments Insights and AI Developments

• 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
• Top Point-of-Sales Payment Methods, in % of Transaction Value, 2023 - 2027f
• Share of Payment Revenue Value, in %, 2027f
• AI Applications in Credit Inclusion, Finance Automation, and Procurement, April 2025
• AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, July 2025
• AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025
• Funding for AI-Driven FinTech Companies, in USD billions, 2023-2025f
• SEA: Enablers of AI Adoption in E-Commerce and Digital Payments, April 2025
• SEA: Average Cost Reduction from AI/GenAI, in % of Total Costs, 2023 & 2027
• SEA: Average Revenue Growth from AI/GenAI, in % Revenue Growth, 2023 & 2027

4. China Payment Market Overview, Mobile Wallet Use, and Consumer Trends

• Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, June 2025
• Mobile Wallet Penetration among Adult Consumers, in %, Q2 2023
• Mobile Wallet Ownership and Usage, in %, Q2 2023
• Share of Consumers Using WeChat Pay Daily, in %, 2023
• WeChat Pay & Alipay Market Share in % and Ecosystem Penetration in Mobile Payments, 2023
• Share of Consumer Transactions by Payment Method, in %, 2024
• Development of Online Payment Usage and User Penetration, Dec. 2020 - Dec. 2024
• Forecasted Payment Market Size, in USD trillions, 2025e & 2030f
• 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

5. Japan Payment Market Overview, Cashless Adoption, and Consumer Preferences

• Card Payment Market Trends, Cash Usage, and Government Cashless Policy Targets, July 2025
• Breakdown of Cashless Payments by Method, in %, 2017 - 2024
• Cashless Payment Ratio, in %, 2017 - 2024
• Share of Household Adoption of E-Money, in %, 2023
• Breakdown of Online Shoppers by Payment Method for Internet Transactions, in %, 2024
• Mobile Payments Market Size, in USD billion, 2025 & 2030f
• Real-Time Transactions Volume, in billions, 2023 & 2028
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Paper-Based Payments, in %, 2023 & 2028f

6. India Payment Market Overview, Digital Wallet Use, and E-Commerce Payments

• Share of Consumers Using Digital Wallets for Online and In-Store Purchases, in %, 2023
• Mobile Wallet Payments, in USD trillion, 2024 & 2028f
• Share of Electronic Payments Conducted via Real-Time Transactions, in %, 2023
• Most Frequently Used Online Payment Methods for E-Commerce, in %, 2024
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Online Credit Card Transactions Within Total Card Spending, in %, September 2024
• Share of Online Credit Card Spending, in %, April 2024 - September 2024

7. South Korea Payment Market Overview, Mobile Payments, and Online Shopping Trends

• Share of Smartphone Ownership, in %, 2023
• Share of Digital Transactions via Mobile Devices, in %, 2023
• Daily Usage Volume of Simple Payment Services, in millions, 2022 & 2023
• Transaction Value of Simple Payment Services, in USD million, 2022 & 2023
• Samsung Pay Market Share in Mobile Payments, in % of Total and In-Person Payments, 2023
• Frequency of Online Shopping Activity, in %, 2024
• B2C E-Commerce Payment Value, in USD billion, 2024 & 2028f
• Mobile Payments Market Size, in USD billions, 2024 & 2033f
• Cards Transaction Value, in USD billion, 2024 & 2028f

8. Australia Payment Market Overview, Card Transactions, and BNPL Preferences

• Mobile Wallet Payments, in USD billion, 2024 & 2028f
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Gen Z & Y Consumers Who Find BNPL Most Appealing for E-Commerce Payments, in %, 2024

9. Indonesia Payment Market Overview, E-Wallet Use, and Merchant Payment Trends

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Mobile Payments Market Size, in USD billions, 2025e & 2030f
• Mobile Payments Market Share, by Payment Type, in %, 2024
• Mobile Payments Market Share, by Application, in %, 2024
• Share of Consumers by Payment Method Used, in %, 2023
• Share of Consumers Using E-Wallets for Financial Transactions, in %, 2023
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

10. Vietnam Payment Market Overview, E-Wallet Providers, and Merchant Adoption

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Market Share of Leading E-Wallet Providers, in %, 2023
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

11. Thailand Payment Market Overview, Mobile Wallet Use, and Merchant Initiatives

• Mobile Wallet Payments, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

12. Singapore Payment Market Overview, Card Transactions, and Merchant Insights

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

13. Philippines Payment Market Overview, Card Transactions, and Merchant Trends

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

14. Malaysia Payment Market Overview, E-Wallet Use, and Card Transactions

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Consumers Using E-Wallets by Purchase Type (Online Shopping vs. Food Delivery), in %, 2024

15. Hong Kong Payment Market Overview, Digital Payment Share, and Market Trends

• Payment Market Size, in USD trillions, 2025e & 2030f
• Payment Market Share by Mode (Point of Sale vs. Online Sale), in %, 2024
• Top Digital Payment Methods for Online Transactions, in % of Respondents, 2023 & 2024
• Operational Localization, Consumer Preferences, and Regulatory Compliance, July 2025
• Payment Integration, Merchant Adoption, and Digital Innovation, July 2025

16. New Zealand Payment Market Overview, Card Transactions, and E-Commerce Payments

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Share of Payment Cards in the E-Commerce Market, in %, 2023