[研究报告] 支付处理解决方案市场预计将从 2022 年的 1188.4 亿美元增长到 2030 年的 2596.2 亿美元;预计 2022 年至 2030 年的复合年增长率为 10.3%。
分析师观点:
解决方案提供商越来越多地实施强大的安全措施和防欺诈技术,推动了支付处理解决方案市场的增长。电子商务行业的扩张也有望在预期期间推动全球支付处理市场的发展。此外,人工智能、机器学习、5G、大数据分析和云等先进技术的日益普及为支付处理解决方案市场份额创造了增长机会。
市场概况:
支付处理是指授权、验证和完成商家与消费者之间的金融交易。该过程涉及将资金从买方账户转移到卖方账户并交换支付信息。它通常涉及卖方、买方、发卡银行、收单银行和支付网关等多方。
支付处理解决方案是电子系统和软件,可实现商家和消费者之间的金融交易资金。市场上有各种支付处理解决方案,包括卡支付、数字钱包和自动房屋清洁。卡支付包括借记卡、信用卡、储值卡和外汇卡。数字钱包通过 Google Pay、PhonePe、Amazon Pay、Square Cash 等处理金融交易。此外,客户还可以使用其他几种支付处理解决方案,例如支票和支票支付。这些解决方案通过确保安全性、促进支付和有效简化交易流程来帮助用户,从而增加消费者需求。因此,所有这些因素都推动了支付处理解决方案的市场份额。
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市场驱动因素:
客户对欺诈和安全预防的关注度不断提高,推动了支付处理解决方案市场的增长
金融欺诈案件的不断增加,增加了客户对欺诈和安全预防活动的关注,推动了全球支付处理解决方案市场的发展。例如,根据日本国家警察厅的数据,日本的财务损失为 6513 万美元,从 2021 年的 21.2% 达到 2022 年的 35%,这增加了消费者对使用适当的支付处理解决方案的担忧。消费者非常关心如何保护他们的金融交易免受欺诈和网络犯罪的侵害。这鼓励公司实施强大的欺诈预防技术和安全措施,以帮助消费者保护敏感的支付信息。此外,建立消费者信任的需求日益增长,增加了对加密技术的需求,以便在客户、支付处理商和商家之间安全地传输支付数据。这种加密技术包括信用卡名称和到期日期,以保护支付信息免受未经授权的访问或中断。该技术的工作原理是将支付数据加密为不可读的代码。然而,服务提供商越来越注重提供安全和欺诈预防解决方案以建立消费者信任,推动了支付处理解决方案市场的发展。
报告细分和范围:
支付处理解决方案市场根据组件、支付方式和垂直行业进行细分。根据组件,支付处理解决方案市场细分为解决方案和服务。就支付方式而言,支付处理解决方案市场分为信用卡支付、数字钱包和其他。根据垂直行业,支付处理解决方案分为 BFSI、零售和电子商务、政府和公用事业、旅游和酒店、IT 和电信和其他。按地区划分,支付处理解决方案市场分为北美、欧洲、亚太地区 (APAC)、中东和非洲 (MEA) 和南美 (SAM)。
节段分析:
根据支付方式,支付处理解决方案市场细分为信用卡支付、数字钱包和其他。由于全球消费者的广泛采用,预计数字钱包细分市场在预测期内将以最高的复合年增长率扩张。数字钱包现在已成为安全和便捷的移动支付处理必不可少的组成部分。数字钱包为用户提供复杂的安全功能,包括加密和标记化。它们增强了客户信心并推广了数字支付方式,从而推动了该细分市场的发展。支付处理解决方案市场的扩张与非接触式支付的激增有关,而二维码和 NFC 技术的结合正在推动市场的发展。数字钱包可用于进行跨境交易,推动了支付处理解决方案市场的发展。数字钱包为用户提供各种方案,例如奖励和电子钱包忠诚度计划,鼓励用户采用这些在线支付方式。然而,数字钱包允许用户通过智能手机或其他移动设备进行交易,预计这将在预测期内推动市场的发展。
区域分析:
预计北美将在预测期内以显着的速度扩张。北美支付处理解决方案市场分为美国、加拿大和墨西哥。由于该地区对支付处理解决方案的采用率高且投资巨大,该地区在全球支付处理解决方案市场中贡献了可观的份额。思科系统、Fiserv、万事达卡、Alphabet、Visa、Stripe、FIS Global、Square、PayU 和 ACI Worldwide 等解决方案提供商的存在正在推动市场的发展。这些参与者正在不断开发基于人工智能的支付处理解决方案,以支持全球客户,预计这将在预测期内为市场创造机会。例如,2022 年 10 月,Pelican/ACE Software Solutions Inc. 延长了其合作协议,为 Santander Consumer Bank Austria 提供支付即服务 (PaaS) 解决方案。基于人工智能的支付处理解决方案在多个行业的使用日益增多,推动了该地区市场的发展。然而,对支付处理解决方案好处的认识不断提高以及对研发活动的投资不断增加,正在推动该地区市场的发展。
关键球员分析:
思科系统、Fiserv、万事达卡国际公司、Alphabet、Visa、Stripe、FIS Global、Square、PayU 和 ACI Worldwide 是报告中介绍的主要支付处理解决方案市场参与者。
支付处理解决方案市场区域洞察
Insight Partners 的分析师已详尽解释了预测期内影响支付处理解决方案市场的区域趋势和因素。本节还讨论了北美、欧洲、亚太地区、中东和非洲以及南美和中美洲的支付处理解决方案市场细分和地理位置。
- 获取支付处理解决方案市场的区域特定数据
支付处理解决方案市场报告范围
报告属性 | 细节 |
---|---|
2022 年市场规模 | 1188.4亿美元 |
2030 年的市场规模 | 2596.2亿美元 |
全球复合年增长率(2022 - 2030 年) | 10.3% |
史料 | 2020-2022 |
预测期 | 2022-2030 |
涵盖的领域 | 按组件
|
覆盖地区和国家 | 北美
|
市场领导者和主要公司简介 |
|
支付处理解决方案市场参与者密度:了解其对业务动态的影响
支付处理解决方案市场正在快速增长,这得益于最终用户需求的不断增长,而这些需求又源于消费者偏好的不断变化、技术进步以及对产品优势的认识不断提高等因素。随着需求的增加,企业正在扩大其产品范围,进行创新以满足消费者的需求,并利用新兴趋势,从而进一步推动市场增长。
市场参与者密度是指在特定市场或行业内运营的企业或公司的分布情况。它表明在给定市场空间中,相对于其规模或总市场价值,有多少竞争对手(市场参与者)存在。
在支付处理解决方案市场运营的主要公司有:
- 思科系统
- 菲瑟夫
- 万事达卡国际公司
- 字母
- 签证
免责声明:上面列出的公司没有按照任何特定顺序排列。
- 获取支付处理解决方案市场顶级关键参与者概述
最新动态:
支付处理解决方案市场参与者高度采用无机和有机策略。以下列出了一些近期的关键市场发展:
- 2023 年 11 月,Al Ansari Exchange 获得阿联酋中央银行颁发的储值设施和零售支付服务提供商许可证。这个创新平台旨在通过为企业和消费者提供安全且用户友好的环境来重新定义数字交易,以促进快速、安全和便捷的数字交易。
- 2023 年 6 月,Visa 收购了 Pismo,通过云原生 API 为客户提供借记卡、信用卡、预付卡和商业卡的核心银行和发卡机构处理功能。该公司还为新兴支付渠道(包括巴西的 Pix)提供连接和支持。
- 2023 年 6 月,Adyen 推出了 Payout 服务,以加快付款处理速度。该服务允许客户按照自己方便的方式更快地支付资金。
- 2022 年 5 月,Square 旗下公司 Afterpay 与 Rite Aid 合作,支持在线购物者分四期支付日常用品费用,无需支付额外费用。
- 2022 年 2 月,Apple Inc. 推出了 iPhone 版 Tap to Pay,让零售商和商家能够安全无缝地接受 Apple Pay 解决方案。iPhone 版 Tap to Pay 让企业能够利用 iPhone 的便利性和安全性接受非接触式支付。
- Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
- PEST and SWOT Analysis
- Market Size Value / Volume - Global, Regional, Country
- Industry and Competitive Landscape
- Excel Dataset
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
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to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
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Frequently Asked Questions
The estimated global market size for the payment processing solutions market in 2022 is expected to be around US$ 118.84 billion
1. Increasing Customers' Focus on Fraud and Security Prevention
2. Growing Digitalization and Expansion of the E-commerce Industry
Cisco Systems, Inc., Fiserv, Inc., Mastercard International Incorporated, Alphabet Inc, Visa Inc, Stripe, Inc., FIS Global, Square, PayU, and ACI Worldwide Inc are the key market players expected to hold a major market share of payment processing solutions market in 2022
Asia Pacific is expected to register highest CAGR in the payment processing solutions market during the forecast period (2022-2030)
Rising Adoption of Value-added Services by Fintech, Banks, and Other Financial Institutions
US, Germany, and China are expected to register high growth rate during the forecast period
Solution segment is expected to hold a major market share of payment processing solutions market in 2022
The US is expected to hold a major market share of payment processing solutions market in 2022
The global market size of payment processing solutions market by 2030 will be around US$ 259.62 billion
The payment processing solutions market is expected to register an incremental growth value of US$ 140.78 billion during the forecast period
Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..
The List of Companies - Payment Processing Solutions Market
- Cisco Systems
- Fiserv
- Mastercard International Incorporated
- Alphabet
- Visa
- Stripe
- FIS Global
- Square
- PayU
- ACI Worldwide
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- 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.
- 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:
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.
- 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.
- 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.