市場調查報告書
商品編碼
1392172
即時支付市場規模-按組件(解決方案、服務)、部署模型(本地、雲端)、支付類型(個人對個人、個人對企業、企業對消費者、企業對-業務),組織規模、最終用戶和預測,2023-2032 年Real-Time Payments Market Size-By Component (Solution, Service), Deployment Model (On-premises, Cloud), Payment Type (Person-to-Person, Person-to-Business, Business-to-Consumer, Business-to-Business), Organization Size, End-user & Forecast, 2023-2032 |
由於對更快支付處理的需求日益成長、數位化的興起以及對金融普惠性的日益重視,預計到 2032 年,全球即時支付市場的CAGR將超過 26%。
根據 FED 2022 年的一篇文章,近 80% 的調查受訪者表示有興趣利用更快的支付方式進行商業交易。此外,83% 的人偶爾使用金融科技支付應用程式或數位錢包。在速度和效率至關重要的時代,企業和消費者都在尋求提供即時處理的支付解決方案。即時支付的即時性迎合了這項需求,提供了超越傳統支付方式的變革性金融體驗。
此外,電子商務、數位銀行和行動支付平台的激增凸顯了即時支付解決方案的迫切性,為市場的大幅成長奠定了基礎。
整個即時支付產業根據組件、部署模型、支付類型、組織規模、最終用戶和地區進行分類。
到 2032 年,服務領域預計將取得實質進展。從支付閘道器到詐欺偵測系統的綜合服務組件對於確保即時支付系統的無縫運作至關重要。隨著企業和金融機構努力增強使用者體驗,對確保安全性、效率和可靠性的強大服務組件的需求不斷增加。
由於採用率的增加,尤其是在資料安全至關重要的部門,預計本地部署部分的佔有率在預測期內將顯著成長。隨著企業努力應對網路安全的複雜性,本地部署為即時支付系統提供了專用且受控的環境。此模型可確保敏感的財務資料保留在組織基礎設施的範圍內,從而解決與資料外洩和未經授權的存取相關的問題。對資料安全和法規遵循的日益重視正在推動本地部署領域的發展。
在智慧型手機普及率不斷提高、網路普及率不斷提高以及金融科技生態系統蓬勃發展的推動下,亞太地區即時支付市場預計將在 2032 年快速成長。中國和印度等國家的數位支付採用率激增,即時支付解決方案已成為日常金融交易不可或缺的一部分。對採用無現金經濟的關注和即時支付系統的廣泛接受將塑造該地區的市場前景。
The global real-time payments market is expected to record over 26% CAGR through 2032, driven by the increasing need for faster payment processing, the rise of digitalization, and a growing emphasis on financial inclusion.
According to an article by FED in 2022, nearly 80% survey responders expressed interest in utilizing faster payments for business transactions. Additionally, 83% used fintech payment apps or digital wallets occasionally. In an era where speed and efficiency are paramount, businesses and consumers alike are seeking payment solutions that provide real-time processing. The instantaneous nature of real-time payments caters to this demand, offering a transformative financial experience that transcends traditional payment methods.
Furthermore, the surge in e-commerce, digital banking, and mobile payment platforms underscores the urgency for real-time payment solutions, positioning the market for substantial growth.
The overall real-time payments industry is classified based on component, deployment model, payment type, organization size, end-user, and region.
The service segment is poised to witness substantial gains by 2032. The comprehensive service components, ranging from payment gateways to fraud detection systems, are crucial in ensuring the seamless operation of real-time payment systems. As businesses and financial institutions strive to enhance user experiences, the demand for robust service components that guarantee security, efficiency, and reliability is escalating.
The on-premises deployment segment share is expected to grow notably over the forecast period, owing to increased adoption, particularly in sectors where data security is of paramount importance. As businesses grapple with the complexities of cybersecurity, on-premises deployment offers a dedicated and controlled environment for real-time payment systems. This model ensures that sensitive financial data remains within the confines of the organization's infrastructure, addressing concerns related to data breaches and unauthorized access. The growing emphasis on data security and regulatory compliance is propelling the on-premises deployment segment.
Asia Pacific real-time payments market is expected to grow swiftly through 2032 driven by increasing smartphone penetration, rising internet accessibility, and a burgeoning fintech ecosystem. Countries like China and India are witnessing a surge in digital payment adoption, with real-time payment solutions becoming integral to daily financial transactions. The focus on adopting cashless economy and the widespread acceptance of real-time payment systems will shape the regional market outlook.