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市場調查報告書

商品編碼

1798098

北美和歐洲車載支付市場：2024-2031

In-vehicle Payments for the Passenger Vehicles Market, North America and Europe, 2024-2031

出版日期: 2025年07月29日 | 出版商:

Frost & Sullivan | 英文 70 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

物聯網、人工智慧、5G、互聯解決方案和跨產業協作等顛覆性技術與不斷發展的行動趨勢一致，並將推動轉型成長。

客車車載支付（IVP）透過在駕駛座上進行金融交易，改變了駕駛體驗，開創了一個新時代。

本報告檢驗了汽車製造商、平台提供者和支付服務提供者如何重塑駕駛體驗並為乘客提供無縫、安全和個人化的支付旅程。

隨著對車輛資料收益的重視程度不斷提高，IVP 解決方案的範圍從加油、電動車充電和停車等傳統使用案例擴展到包括通行費支付、車內訂閱、電子商務購買、車輛維護、保險、食品訂購和其他車輛到一切（V2X）支付。

隨著汽車零件數位化，本報告研究了關鍵的行業趨勢、超級應用的興起、安全支付的進步、車載娛樂的創新以及人工智慧主導的服務的應用以增強客戶參與。基於與目標商標產品製造商（OEM）、一級供應商、金融科技創新者、技術提供商和監管機構的對話，本報告對市場動態和成長機會進行了全面的分析。它提供了收益潛力、技術採用和區域趨勢的詳細預測，重點是北美和歐洲。 Frost & Sullivan 也繪製了未來的關鍵機會，為市場參與者和相關人員在快速發展的市場格局中導航提供可行的見解。本報告的基準年為2024年，預測期為2025-2031年。

分析範圍

利用早期的車輛遠端資訊處理和連接介面，車載支付市場從基本的收費和停車系統發展為複雜的車載數位錢包解決方案。
隨著車載連接和資訊娛樂系統的增強，車載支付市場的功能擴大，包括加油、電動車充電、免下車訂購和訂閱服務，這與汽車數位錢包市場的趨勢相呼應。
由於生態系統分散、資料安全問題以及不同地區的法規差異，車聯網（V2X）支付市場解決方案的採用一直進展緩慢，但用戶體驗（UX）和夥伴關係關係的改善推動更廣泛的採用。
電動車的普及、智慧城市計畫以及向軟體定義汽車的轉變等新興趨勢為人工智慧主導的車載支付解決方案市場創造新的機會，實現無縫整合的支付生態系統。
本研究檢視了全球車載支付市場趨勢、整體可尋址市場（TAM）和特定應用的可服務可尋址市場（SAM），特別關注車載數位錢包市場中 OEM、一級供應商和區域支付提供商的成長機會。

本次調查回答的問題

車載支付市場中的IVP是什麼？ IVP銷售管道結構
車載數位錢包市場的主要促進因素與限制因素
V2X（車聯網）支付市場將如何發展？區域應用趨勢及主要參與企業
基於人工智慧的車載支付解決方案的市場規模在不同地區有何不同？
到2031年，全球IVP市場將面臨哪些成長機會？這將為IVP產業的關鍵相關人員帶來哪些益處？

主要競爭對手

OEM/一級供應商
- SiriusXM
- Harman
- AT&T
- JLR
- Hyundai
- Ford
- Volkswagen
- GM
- BMW
- Mercedes
- Connected Vehicles OEMs
- Technology Providers
- Sheeva.AI
- P97
- IPS Group
- AWS
- Sonic
- Parkopedia
- bPme
- IBM Watson
- Gentex
- Sheeva.AI
- Verra Mobility
支付提供者
- PayPal
- Fiverr
- Square
- Authorize.net
- WorldPay
- Bank of America
- First Data
- Stripe
- Ayden
- VISA
- Mastercard
- UnionPay
- American Express
服務供應商
- Shell
- Gilbarco-Veeder Root
- ExxonMobil
- BP
- IPS Group
- ParkWhiz
- ParkNow
- EasyPark
- SpotHero
- Starbucks
- Domino's
- Applebee's
- Pizzutelli
- McDonald's

三大戰略對IVP產業的影響

顛覆性技術

為什麼
車載支付市場從根本上受到物聯網、5G 連接、人工智慧和基於地理位置的支付系統等技術進步的推動。
這些技術創新將實現無縫交易、統一的支付生態系統以及車載數位錢包市場更好的消費者體驗。
觀點
隨著汽車製造商發展成為行動服務供應商，用於安全交易的區塊鏈、用於安全存取的生物識別以及用於增強用戶介面的AR/VR 等顛覆性技術將進一步塑造車聯網（V2X）支付市場。
參與企業需要致力於研發和跨產業合作，才能在人工智慧主導的車載支付解決方案市場保持競爭力。

轉型大趨勢

為什麼
汽車、金融科技、零售和科技產業的交叉為車載商務創造一個生態系統，並推動車載支付市場的成長。
汽車製造商與付款管道、加油站、電動車網路和其他服務生態系統的合作象徵著這一趨勢，並推動車載數位錢包市場的發展。
觀點
燃料、停車、電動車充電、通行費支付、洗車、保險、娛樂和智慧城市服務等多個領域的深化夥伴關係將加強對車聯網（V2X）支付市場的影響。
成功整合多樣化服務以提供統一車載體驗的公司將佔據主導地位，尤其是在人工智慧主導的車載支付解決方案方面。

產業融合

為什麼
隨著都市化和智慧城市計畫的推進，車載數位錢包市場需要無縫的車載支付系統，以實現停車、收費和公共交通整合。
電氣化趨勢推動了與電動車充電、動態定價和再生能源解決方案相容的車載支付需求的成長，擴大了 V2X（車對一切）支付市場。
向自動駕駛和共用汽車的轉變將透過人工智慧主導的車載支付解決方案重新定義行動生態系統，重點是自動化、基於訂閱和特定乘車的支付解決方案。
觀點
原始設備製造商和技術供應商將致力於將付款管道與城市規劃、電動車生態系統和共用行動服務相結合，以加強車載支付市場。
預測分析和人工智慧將透過在車載數位錢包市場提供個人化建議和優先支付選項來增強用戶體驗。
政府、城市負責人和私人公司之間的全球合作推動聯網支付系統的創新和標準化，在車聯網（V2X）支付市場中發揮關鍵作用。

促進因素

改善車輛連接
加強網路安全措施
擴大智慧基礎設施
車載數位錢包市場對便利性和無縫用戶體驗的需求
科技與金融合作推動車載支付市場

成長抑制因素

車載支付市場生態系統片段化及互通性挑戰
高成本和技術複雜性影響車載數位錢包市場
影響車聯網（V2X）支付市場的基礎設施和監管缺口
人工智慧車載支付解決方案的資料隱私和安全問題
車上支付市場的消費者認知與信任問題

主要趨勢
IVP用例
主要的IVP經營模式
IVP經營模式分析：以第三方為基礎的經營模式
第三方付款管道的IVP工作流程
IVP經營模式分析：OEM付款管道
適用於 OEM 電子錢包付款管道的IVP 工作流程
IVP經營模式分析：透過收購OEM付款管道
IVP 中的區塊鏈
IVP Mercedes pay+生物識別案例研究
各種作業系統及其對 IVP 的影響

IVP藍圖

成長動力：北美

成長指標
TAM：收益和IVP VIO預測
TAM：以主要應用分類的收益預測
TAM 和 SAM 在 IVP 進行電動車充電
每輛車的平均費用：主要用途
預測分析

成長動力：歐洲

成長指標
TAM：收益和IVP VIO預測
TAM：以主要應用分類的收益預測
IVP 中電動車充電的TAM 和 SAM
每輛車的平均費用：主要用途
預測分析

OEM分析

Mercedes-Benz
BMW
Hyundai
GM
Toyota

技術/服務/市場提供者

Harman International
Parkopedia EasyPark Group
Sheeva.AI
IBM
Visa
Mastercard
AWS

成長機會：IVP

成長機會1：超越基本交易
成長機會2：合作與策略夥伴關係
成長機會3：資料即服務（DaaS）

附錄與後續步驟

簡介目錄

Product Code: PFRN-46

Disruptive Technologies like IoT, AI, 5G, and Connected Solutions, along with Cross-industry Collaborations, are Driving Transformational Growth by Aligning with Evolving Mobility Trends

In-vehicle payments (IVPs) for passenger vehicles are shifting into a new era, transforming the driving experience by enabling financial transactions from the driver's seat.

This Frost & Sullivan report examines how automakers, platform providers, and payment service enablers are reshaping the driving experience, offering seamless, secure, and personalized payment journeys for vehicle occupants.

With a growing emphasis on monetizing vehicle data, IVP solutions are expanding beyond traditional use cases, like refueling, electric vehicle charging, and parking, to include toll payments, in-car subscriptions, eCommerce purchases, vehicle maintenance, insurance, food orders, and other vehicle-to-everything (V2X) payments.

With vehicle components becoming increasingly digitized, this report explores key industry trends, the rise of super apps, advancements in secure payments, in-car entertainment innovations, and the application of AI-driven services for enhanced customer engagement. Drawing on conversations with leading original equipment manufacturers (OEMs), Tier I suppliers, fintech innovators, technology providers, and regulators, the study offers a comprehensive analysis of market dynamics and growth opportunities. It delivers detailed forecasts on revenue potential, technology adoption, and regional trends, with a sharp focus on North America and Europe. Frost & Sullivan also maps out the key opportunities ahead, providing actionable insights for market players and stakeholders looking to navigate this rapidly evolving landscape. The base year for this report is 2024, and the forecast period is from 2025 to 2031.

Scope of Analysis

In-vehicle payments market has evolved from basic toll and parking systems to sophisticated automotive digital wallet market solutions, leveraging early vehicle telematics and connected interfaces.
Enhanced in-car connectivity and infotainment systems have expanded the in-vehicle payments market functionalities to include fueling, EV charging, drive-thru orders, and subscription services, reflecting trends in the automotive digital wallet market.
Adoption of vehicle-to-everything (V2X) payments market solutions has been gradual due to fragmented ecosystems, data security concerns, and varying regional regulations, but improved UX and partnerships are driving wider adoption.
Growing trends like EV adoption, smart city initiatives, and the shift toward software-defined vehicles create new opportunities in the AI-driven in-car payment solutions market for seamless, integrated payment ecosystems.
The study explores global in-vehicle payments market trends, the total addressable market (TAM) and serviceable addressable market (SAM) for some applications, focusing on growth opportunities for OEMs, Tier I suppliers, and payment providers in different regions, particularly in the automotive digital wallet market.

Questions This Study Will Answer

What is IVP in the context of the in-vehicle payments market? What is IVP's distribution channel structure?
What are the primary drivers and restraints for the automotive digital wallet market?
How will the vehicle-to-everything (V2X) payments market grow? What is the adoption trend among regions? Who are the key players?
How do AI-driven in-car payment solutions market sizes differ across various regions?
What are the growth avenues for the IVP market globally until 2031? How will they help important stakeholders in the IVP industry?

Key Competitors

OEMs/Tier I
- SiriusXM
- Harman
- AT&T
- JLR
- Hyundai
- Ford
- Volkswagen
- GM
- BMW
- Mercedes
- Connected Vehicles OEMs
- Technology Providers
- Sheeva.AI
- P97
- IPS Group
- AWS
- Sonic
- Parkopedia
- bPme
- IBM Watson
- Gentex
- Sheeva.AI
- Verra Mobility
Payment Providers
- PayPal
- Fiverr
- Square
- Authorize.net
- WorldPay
- Bank of America
- First Data
- Stripe
- Ayden
- VISA
- Mastercard
- UnionPay
- American Express
Service Providers
- Shell
- Gilbarco-Veeder Root
- ExxonMobil
- BP
- IPS Group
- ParkWhiz
- ParkNow
- EasyPark
- SpotHero
- Starbucks
- Domino's
- Applebee's
- Pizzutelli
- McDonald's

The Impact of the Top 3 Strategic Imperatives on the IVP Industry

Disruptive Technologies

WHY
The in-vehicle payments market is fundamentally driven by advancements in technologies like IoT, 5G connectivity, AI, and geolocation-based payment systems.
These innovations enable seamless transactions, integration of payment ecosystems, and enhanced consumer experiences within the automotive digital wallet market.
FROST PERSPECTIVE
As automakers evolve into mobility service providers, disruptive technologies like blockchain for secure transactions, biometrics for secure access, and AR/VR for enhanced user interfaces will further shape the vehicle-to-everything (V2X) payments market.
Players must focus on R&D and cross-industry collaborations to stay competitive in the AI-driven in-car payment solutions market.

Transformative Megatrends

WHY
The intersection of automotive, fintech, retail, and technology industries has created an ecosystem for in-vehicle commerce and the growth of the in-vehicle payments market.
Automakers partnering with payment platforms, fuel stations, EV networks, and other service ecosystems exemplify this trend, driving the automotive digital wallet market forward.
FROST PERSPECTIVE
Convergence will intensify, with deeper partnerships spanning multiple domains such as fuel, parking, EV charging, toll payments, car wash, insurance, entertainment, and smart city services impacting the vehicle-to-everything (V2X) payments market.
Companies that can successfully integrate diverse services into a unified in-vehicle experience will dominate this space, particularly in AI-driven in-car payment solutions.

Industry Convergence

WHY
Growing urbanization and smart city initiatives demand seamless in-vehicle payments systems for parking, tolls, and public transport integration within the automotive digital wallet market.
The electrification trend is driving the need for in-car payments tailored to EV charging, dynamic pricing, and renewable energy solutions, enhancing the vehicle-to-everything (V2X) payments market.
The shift to automated and shared vehicles emphasizes automated, subscription-based, and ride-specific payment solutions, redefining mobility ecosystems through AI-driven in-car payment solutions.
FROST PERSPECTIVE
OEMs and technology providers will focus on integrating payment platforms with urban planning, EV ecosystems, and shared mobility services, enhancing the in-vehicle payments market.
Predictive analytics and AI will enhance user experiences by offering personalized recommendations and pre-emptive payment options within the automotive digital wallet market.
Global collaboration between governments, urban planners, and private companies will drive innovation and standardization in connected payment systems, critical for the vehicle-to-everything (V2X) payments market.

Growth Drivers

Increasing Vehicle Connectivity
Increasing Cybersecurity Measures
Expanding Smart Infrastructure
Demand for Convenience and Seamless User Experience in the automotive digital wallet market
Partnerships with Technology and Financial Players driving the in-vehicle payments market

Growth Restraints

Fragmented Ecosystem and Interoperability Challenges within the in-vehicle payments market
High Costs and Technological Complexity affecting the automotive digital wallet market
Infrastructure and Regulatory Disparities impacting the vehicle-to-everything (V2X) payments market
Data Privacy and Security Concerns related to AI-driven in-car payment solutions
Consumer Awareness and Trust Issues in the context of in-vehicle payments market