2028 年数字支付市场报告(按细分市场、地域、动态、最新发展和战略洞察)

  • Report Code : TIPRE00007577
  • Category : Banking, Financial Services, and Insurance
  • Status : Published
  • No. of Pages : 225
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Digital Payment Market Size, Share, Trends, Report 2028

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数字支付市场预计将从 2021 年的 890.4567 亿美元增长到 2028 年的 2434.2671 亿美元;预计 2021 年至 2028 年的复合年增长率为 15.4%。

由于智能手机的日益普及推动了移动商务的扩张,预计全球数字支付市场将在预测期内增长。人们访问互联网的方式直接影响着移动商务的发展。用户更喜欢使用智能手机而不是 PC 上网,因为智能手机更便宜,而且在许多国家,高速互联网不再是一种高级基础设施。零售商开发的购物应用程序具有易于浏览的目录和简单的结账体验。银行家和支付服务提供商不会忽视客户与手机的内在联系这一事实。银行提供银行应用程序,允许在移动设备的屏幕上完成交易。移动商务也改变了实体企业的运作方式,特别是在接受无现金支付方面。此外,实体商务和数字商务之间的差异正在消失,渠道日益融合。由于在 COVID-19 大流行期间强烈强调非接触式支付,店内购买体验已显著转向在线购买体验。此外,在疫情爆发之前,非接触式支付在一些地区已经很成熟。非接触式支付和/或生物识别在网上购物体验中很普遍。非接触式卡是最普遍的非接触式支付方式。另一方面,移动支付由于使用方便以及原始设备制造商 (OEM) 支付解决方案作为零售支付方式的日益普及而越来越受欢迎。在一些国家,零售商和政府主动要求客户增加非接触式支付,并鼓励零售商实现这一目标。许多银行已经提高了非接触式支付限额,以减少在销售点对触摸板或现金的需求。所有这些因素都推动了数字支付市场的增长。

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数字支付市场:

数字支付市场
  • Digital Payment Market
    复合年增长率(2021 - 2028 年)
    15.4%
  • 2021 年市场规模
    890.5 亿美元
  • 2028 年市场规模
    2434.3 亿美元

市场动态

增长动力
  • 財政部
  • 財政部
  • 財政部
未来的趋势
  • 財政部
  • 財政部
  • 財政部
机会
  • 財政部
  • 財政部
  • 財政部

关键人物;主力;重要一员

  •  
  • ACI 全球有限公司
  • 艾迪恩
  • 财务软件与系统私人有限公司
  • FISERV, INC.
  • 全球支付有限公司
  • 诺瓦蒂集团有限公司
  • PayPal 控股公司
  • 支付宝有限公司
  • BLOCK 公司

区域概况

Digital Payment Market
  • 北美
  • 欧洲
  • 亚太
  • 南美洲和中美洲
  • 中东和非洲

市场细分

Digital Payment Market成分
  • 解决方案和服务
Digital Payment Market部署
  • 本地和云端
Digital Payment Market组织规模
  • 中小企业和大型企业
Digital Payment Market行业
  • 金融保险业协会
  • 零售和电子商务
  • 卫生保健
  • 旅游与酒店
  • 媒体和娱乐
  • 信息技术和电信
  • 其他的
  • 示例 PDF 通过定性和定量分析展示了内容结构和信息的性质。



COVID-19 疫情对数字支付市场的影响


新冠疫情使数字支付市场受益。由于疫情和远程工作环境的发展,企业面临着新的挑战。根据世界银行对疫情应对政策的调查,至少有 58 个发展中国家的政府已采用数字支付来提供新冠疫情援助。至少有 36 个国家/地区的资金以功能齐全的账户形式收到,这些账户除了提取现金外,还可用于储蓄或交易。金融包容性需要如此广泛的能力。此外,2020 年疫情的出现给全球市场运营带来了一系列挑战。由于新冠病例数量的增加,发达经济体的医疗基础设施已经崩溃。因此,公共医疗紧急情况将需要政府和市场参与者进行干预,并通过研发计划的协作努力来协助恢复市场运营和收入,以在预测期内弥补损失。此外,增加的投资对未来几年的数字支付市场来说是个好兆头。

 

 

数字支付市场洞察

 

开放银行 API 的采用日益广泛


金融服务公司正在认识到开放银行计划和应用程序编程接口的重要性。传统银行明白,他们必须提高自己的数字能力,才能在该领域竞争,避免被提供更优质产品和服务的新进入者取代。例如,PayPal、富国银行和 Visa 等众多金融服务公司都在支持开放银行项目。此外,在欧洲,开放银行计划正逐渐成为常态,因为根据 2018 年生效的《修订支付服务指令》(PSD2),银行依法必须通过 API 提供账户信息。开放银行 API 提升了银行的吸引力,使其能够满足现有客户不断变化的期望并吸引新客户。API 还可以用作一种独一无二的解决方案,以安全、灵活和面向未来的方式促进客户互动并响应消费者需求。开放银行 API 是金融服务机构的重要资产,因为它们允许他们扩大服务范围、促进客户互动并创建新的数字收入渠道,这将为预测期内数字支付市场的扩张提供重大机会

 

 

部署细分洞察


根据部署方式,数字支付市场分为本地部署和云端部署。云端部署在 2020 年引领了市场。云端部署提供内置数据安全性、按需可扩展性以及快速执行密集计算活动的能力。云端是数字钱包的重要推动因素。随着数字钱包的流行,这些优势可能会极大地改善现有功能,甚至带来新的创新。使用远程虚拟存储消除了对物理服务器的需求,从而降低了中断和灾难的风险。云端还提供强大的网络安全保护,并能满足关键监管标准,例如支付卡行业数据安全标准 (PCI DSS),这在金融服务行业尤为重要。

 

 

组织规模细分洞察



根据组织规模,数字支付市场分为大型企业和中小型企业。大型企业部门在 2020 年引领了市场,预计在预测期内将占据市场主导地位。即使在支付系统方面,技术采用对于减少冗余也至关重要。然而,对于较大的组织来说,一刀切的解决方案行不通。央行数字货币 (CBDC) 的出现和传统支付系统中加密货币的广泛采用将迫使许多大型企业在未来几年将数字货币纳入其应用程序。这些公司将主要利用数字货币进行支付、作为价值存储,并利用去中心化金融 (DeFi) 应用程序提供的高收益投资。例如,PayG 为大型企业提供量身定制的支付解决方案,并协助他们改进收款方式。它允许大型企业跟踪他们的现金流入和流出,并使他们能够在需要时扩展,而无需引入任何流程,这正在推动数字支付市场的增长

 

 

组件类型细分洞察


根据应用,数字支付市场分为解决方案和服务。解决方案部分在 2020 年引领了市场。银行、处理商、电信运营商和商家可以使用数字支付系统顺利进行符合国际支付标准的数字支付。该解决方案包括一个控制数字卡生命周期的平台。它监督整个注册过程,以及凭证的配置和安全管理。发行商和服务提供商可以使用该平台在自己的钱包或第三方钱包中提供服务,从而推动市场的增长。解决方案部分的全球数字支付市场细分为支付网关、支付处理、支付安全和欺诈管理等。

 

数字支付市场参与者专注于新产品创新和开发,通过整合先进技术和功能来竞争。例如,2021 年 1 月,Okay 和全球支付技术公司 FSS Technologies(金融软件和系统)宣布结盟,为消费者支付提供有针对性的身份验证安全,尤其是移动交易验证和身份验证。凭借其下一代产品、技术和解决方案,FSS 已经在欧洲扩大了其商业潜力。2020 年 5 月,Fiserv, Inc. 收购了 Inlet, LLC(“Inlet”),后者是一家为企业和中端市场账单提供发票和对账单安全数字交付解决方案的供应商。支付部门包括 Inlet,这推进了公司的数字账单支付战略。

 

数字支付市场报告范围

报告属性细节
2021 年市场规模890.5亿美元
2028 年市场规模2434.3亿美元
全球复合年增长率(2021 - 2028)15.4%
历史数据2019-2020
预测期2022-2028
涵盖的领域按组件
  • 解决方案和服务
按部署
  • 本地和云端
按组织规模
  • 中小企业和大型企业
按行业
  • 金融保险业协会
  • 零售和电子商务
  • 卫生保健
  • 旅游与酒店
  • 媒体和娱乐
  • 信息技术和电信
  • 其他的
覆盖地区和国家北美
  • 我们
  • 加拿大
  • 墨西哥
欧洲
  • 英国
  • 德国
  • 法国
  • 俄罗斯
  • 意大利
  • 欧洲其他地区
亚太
  • 中国
  • 印度
  • 日本
  • 澳大利亚
  • 亚太其他地区
南美洲和中美洲
  • 巴西
  • 阿根廷
  • 南美洲和中美洲其他地区
中东和非洲
  • 南非
  • 沙特阿拉伯
  • 阿联酋
  • 中东和非洲其他地区
市场领导者和主要公司简介
  •  
  • ACI 全球有限公司
  • 艾迪恩
  • 财务软件与系统私人有限公司
  • FISERV, INC.
  • 全球支付有限公司
  • 诺瓦蒂集团有限公司
  • PayPal 控股公司
  • 支付宝有限公司
  • BLOCK 公司
  • 示例 PDF 通过定性和定量分析展示了内容结构和信息的性质。

 

 

数字支付市场 – 公司简介

 

  • ACI 全球有限公司
  • 艾迪恩
  • 金融软件与系统私人有限公司
  • Fiserv 公司
  • 全球支付公司
  • 诺瓦蒂集团有限公司
  • PayPal 控股公司
  • 支付安全有限公司 
  • Block 公司
  • PayU
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


What are the driving factors responsible for the growth of digital payment market?

Increasing Prevalence of Smartphones Enabling Expansion of mCommerce
Rising Adoption of Contactless Payments

What are the market opportunities for digital payment market?

Financial services companies are recognizing the importance of open banking initiatives and application programming interfaces. Traditional banks understand that they must improve their digital capabilities to compete in the sector and avoid being disintermediated by new entrants with superior offers and services. For instance, numerous financial services companies such as PayPal, Wells Fargo, and Visa are supporting Open Banking projects. Also, in Europe, Open Banking initiatives are progressively becoming the norm because banks are legally required to make account information accessible via APIs under the Revised Payment Services Directive (PSD2), effective from 2018.
Open Banking APIs boost a bank's attractiveness and enable it to meet the changing expectations of existing clients and attract new ones. The APIs may also be used as a one-of-a-kind solution to boost customer interaction and respond to consumer requirements in a safe, agile, and future-proof way. Open Banking APIs are significant assets for financial services organizations because they allow them to expand service offerings, boost client interaction, and create new digital income channels, which would offer a significant opportunity for the digital payment market to expand during the forecasted period.

What is the future trend for digital payment market?

The rising demand of the diverse demands of customers, retailers, banks, telecom providers, and gadget suppliers is the primary reason for emerging digital payment model's success. It enables them to go to various locations, such as concerts, trade exhibits, and food trucks, where they may receive money from clients. This is accomplished by properly implementing mPOS in the industry. Retailers may use mPOS and associated software systems to improve and enhance consumer interaction, resulting in higher conversion rates and sales. Mobile point-of-sale (mPOS) refers to specific integrated devices that may operate as electronic point-of-sale terminals, such as smartphones and tablets. Mobile POS deployments allow brick-and-mortar retailers to use pricing, product information, and inventory data, enabling for omnichannel engagement, which, in turn, is likely to gain momentum for the digital payment market during the forecasted period.

Who are the major vendors in the digital payment market?

Key companies in the digital payment market include ACI Worldwide, Inc; Adyen; Financial Software & Systems Pvt. Ltd.; Fiserv, Inc.; Global Payments Inc.; Novatti Group Ltd; and Paypal Holdings, Inc.

Which organization type-based segment has the largest market share in 2020?

The global digital payment market is bifurcated on basis of organization type as small and medium enterprises (SMEs), and large enterprises. The global digital market is dominated by large enterprises segment in 2020, which accounted for ~ 68.4%.

Which region has the largest market share in the digital payment market?

North America held the largest market share in year 2020, along with the notable revenue generation opportunities in Europe and APAC.

The List of companies - Digital Payment Market

  1. ACI WORLDWIDE, INC
  2. ADYEN                 
  3. FINANCIAL SOFTWARE & SYSTEMS PVT. LTD.          
  4. FISERV, INC.                  
  5. GLOBAL PAYMENTS INC.     
  6. NOVATTI GROUP LTD
  7. PAYPAL HOLDINGS, INC.               
  8. PAYSAFE LIMITED           
  9. BLOCK, INC.
  10. PAYU

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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