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市場調查報告書
商品編碼
1776859

行動電子錢包的日本市場評估:類別，各技術，各終端用戶，各地區，機會，預測(2019年度～2033年度)

Japan Mobile Wallet Market Assessment, By Type, By Technology, By End-users, By Region, Opportunities and Forecast, FY2019-FY2033F
出版日期: | 出版商: Markets & Data | 英文 125 Pages | 商品交期: 3-5個工作天內

價格

日本行動錢包市場預計將從 2025 財年的 6.4 億美元成長至 2033 財年的 11.9 億美元，複合年增長率為 8.15%。這項成長的驅動力來自科技普及、 "無現金願景" 倡議等政府政策以及消費者行為的變化。日本的行動支付之路並非一帆風順。日本曾以其熱衷現金的文化和高 ATM 機密度而聞名，如今正悄悄成為行動錢包強國。QR編碼支付、NFC 感應支付和 P2P 轉帳不再只是選擇；它們已成為由數位忠誠度生態系統、獎勵計劃和純粹的便利性所塑造的習慣。疫情後的行為和政府支持的全國性無現金運動推動了各個年齡層的行動支付普及，從 Z 世代學生到退休人員，他們都對數位支付趨之若鶓。

如今，錢包已不再只是數位錢包；它們是連結超級應用、購物生態系統、交通系統甚至政府服務的動態實體。競爭的焦點不再是使用哪一款應用，而是哪一款應用能夠完成所有功能。

例如，2024 年 9 月，日本唯一的國際支付品牌 JCB 升級了其行動錢包服務，向客戶提供 Google Pay。日本安卓智慧型手機用戶現在可以透過 Google 錢包應用程式將 JCB 發行的信用卡和金融卡新增至 Google Pay，並在支援 JCB Contactless 的商家進行非接觸式支付。此舉標誌著數位錢包普及的重要一步，為用戶提供安全、便利、快速的行動支付體驗，並由身份驗證、加密和防詐騙功能提供支援。

本報告調查並分析了日本行動錢包市場，提供了市場規模和預測、市場動態以及主要公司的現狀。

目錄

第1章 計劃的範圍和定義

第2章 調查手法

第3章 摘要整理

第4章 客戶的迴響

  • 受訪者的人口統計
  • 行動電子錢包的認知度
  • 行動電子錢包期待的主要功能
  • 主要的促進因素與採用

第5章 日本的行動電子錢包市場預測(2019年度～2033年度)

  • 市場規模的分析與預測
    • 金額
  • 市場佔有率的分析與預測
    • 類別
      • 接近手機付款
      • 遠隔手機付款
      • P2P傳輸
    • 各技術
      • NFC
      • QR編碼
      • MST
      • 其他
    • 各終端用戶
      • 個人
      • 企業
    • 各地區
      • 北部
      • 南部
      • 中部
    • 市場佔有率分析:各企業(前五名公司和其他)(金額)(2024年度)
  • 市場地圖分析(2024年度)
    • 類別
    • 各技術
    • 各終端用戶
    • 各地區

第6章 供需的分析

第7章 價值鏈分析

第8章 波特的五力分析

第9章 大環境分析

第10章 市場動態

  • 推動市場要素
  • 市場課題

第11章 市場趨勢與發展

第12章 收益模式分析(best effort基準)

第13章 案例研究

第14章 競爭情形

  • 前五名市場領導公司的競爭矩陣
  • 前五名公司的SWOT分析
  • 前十大主要企業的形勢
    • PayPay Corporation (PayPay)
    • LINE Corporation (LINE Pay)
    • Rakuten Group, Inc. (Rakuten Pay)
    • Mercari, Inc. (MerPay)
    • NTT Docomo, Inc. (d Barai)
    • Seven & i Holdings Co., Ltd. (nanaco)
    • AEON Financial Service Co., Ltd. (WAON/Mobile WAON)
    • KDDI Corporation (au PAY)
    • Google LLC (Google Pay)
    • Apple Inc. (Apple Pay)

第15章 策略性建議

第16章 關於調查公司·免責聲明

Product Code: MX13746

Japan mobile wallet market is projected to witness a CAGR of 8.15% during the forecast period FY2026-FY2033, growing from USD 0.64 billion in FY2025 to USD 1.19 billion in FY2033 due to technological adoption, government policies such as 'Cashless Vision initiative', and shifting consumer behavior. Japan's journey into mobile payments has not been a linear one. Once known for its cash-loving culture and high ATM density, Japan is now quietly becoming a mobile wallet powerhouse, on its terms. QR code payments, NFC tap-and-go, and P2P transfers are no longer just options. They are habits, shaped by digital loyalty ecosystems, reward programs, and pure convenience. Post-pandemic behaviors and nationwide government-backed cashless campaigns pushed adoption across age groups, from Gen Z students to retirees using digital payment.

And now, wallets are not just digital; they are dynamic as they are tied to super apps, shopping ecosystems, transportation, and even government services. The battle is not about which app to use; it is about which app does everything.

For instance, in September 2024, JCB, Japan's only international payment brand, advanced its mobile wallet offerings by enabling Google Pay for its customers. Android smartphone users in Japan can now add their JCB-issued credit or debit cards to Google Pay through the Google Wallet app, enabling them to make contactless payments at stores that accept JCB Contactless. This move marks a significant step in digital wallet adoption, providing users with a secure, convenient, and fast mobile payment experience backed by authentication, encryption, and fraud protection.

Rapid Growth in NFC and Contactless Adoption Among Urban Consumers Fuels the Market Growth

NFC technology has become the silent engine of Japan's contactless boom. It is fast, secure, and already embedded in Japan's transit and retail infrastructure. Additionally, Japan's mobile wallet market is experiencing accelerated growth, driven by increasing urban demand for NFC-based contactless payments. Tech-savvy consumers in cities such as Tokyo and Osaka are increasingly opting for tap-to-pay convenience via smartphones (Apple Pay, Google Pay) or wearable devices, as Japan's robust NFC infrastructure enables. Government cashless initiatives and post-pandemic hygiene concerns further propel this shift, with retailers, transit systems, and vending machines widely accepting contactless transactions. As mobile wallets integrate loyalty programs and QR-based options, their adoption is expanding beyond young demographics to older ones, solidifying Japan's position as a leader in seamless digital payments.

In May 2024, Apple Pay Japan announced that its iPhone-based Suica and PASMO transit integrations accounted for over 60% of all Apple Pay transactions in the country, particularly in Tokyo and Osaka. NFC adoption has surged due to seamless integration across train systems, taxis, vending machines, and retail POS terminals.

Retailers are also upgrading terminals for ID and QUICPay compatibility. The result, NFC transactions are now just muscle memory for urban users.

Loyalty-Driven Wallet Ecosystems Fuel Mass Adoption, Shaping the Market

Japan's mobile wallet market is experiencing accelerated growth, fueled by rising urban demand for NFC-based contactless payments. Tech-savvy consumers in cities such as Tokyo and Osaka are increasingly opting for tap-to-pay convenience via smartphones (Apple Pay, Google Pay) or wearables, thanks to Japan's robust NFC infrastructure. Government cashless initiatives and post-pandemic hygiene concerns further propel this shift, with retailers, transit systems, and vending machines widely accepting contactless transactions. As mobile wallets integrate loyalty programs and QR-based options, their adoption is expanding beyond young demographics to older ones, solidifying Japan's position as a leader in seamless digital payments.

In December 2023, Rakuten Pay (Rakuten Group, Inc.) announced that it had surpassed 30 million active users, primarily driven by integrations across Rakuten Ichiba, Rakuten Card, and Rakuten Mobile. The company reported a 22% YoY rise in wallet usage, crediting its "Super Point Up" campaigns for user stickiness.

Peer-to-Peer Payment Platforms Reshape Personal Finance Habits

P2P payments have quietly gained ground, especially among younger users and freelancers. Japan's cautious attitude toward debt makes wallet-based P2P ideal for splitting bills, paying friends, or informal transactions. This model is being replicated by PayPay and d-Barai, allowing seamless in-app transfers, QR code requests, and linked bank transfers. P2P is now a primary use case, especially for users under 35.

For instance, in July 2024, Rakuten Payment Co., Ltd., a major Peer-to-Peer Payment Platform, participated in the "Do! Hamadori Cashless Point Rebate Campaign" held in Fukushima Prefecture from July 25 to August 18, 2024. During this period, users who made purchases using code payments through the Rakuten Pay app at participating stores in 15 cities and towns received up to 20% of their payment amount back in Rakuten Points.

Additionally, following improvements to the Rakuten Pay app's point rebate program on June 4, 2024, users could earn up to 1.5% in points on code payments made with Rakuten Cash, regardless of the funding source. When combined with the campaign, the total rebate reached up to 21.5%. Rakuten Payment's participation aimed to support local communities and promote the adoption of cashless payments through public-private collaboration.

Key Players Landscape and Outlook

Domestic players lead Japan's mobile wallet market due to their ecosystem advantage. PayPay dominates with its SoftBank/Yahoo! integration, as well as its wide merchant acceptance. LINE Pay, backed by LY Corporation, merges social messaging with payment functionality, capturing younger demographics.

Rakuten Pay leverages Japan's largest e-commerce and fintech network to drive loyalty-based wallet usage. Au PAY (KDDI) and d-Barai (NTT Docomo) remain strong with telecom bundling and telco bill integration. Meanwhile, MerPay wins niche loyalty by tightly linking resale, savings, and peer-to-peer (P2P) transactions inside the Mercari app. International entrants Apple Pay and Google Pay have gained traction, especially among iOS and Android users who rely on NFC-based Suica, PASMO, and store payments. Competition is intensifying, but differentiation is clear; those who combine payments with value-added ecosystems will retain users not just for transactions, but for everything.

For instance, in May 2025, PayPay Corporation announced that its cashless payment service, PayPay, can now be linked with Google Pay accounts. This new feature allows both iPhone and Android users to register PayPay, PayPay Card, and PayPay Balance Card as payment methods across Google services, streamlining their payment experience.

Additionally, payments made using these methods through Google Pay are eligible for PayPay's regular reward program, PayPay Step, allowing users to earn PayPay Points with every transaction.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

  • 4.1. Respondent Demographics
  • 4.2. Awareness of Mobile Wallet
  • 4.3. Key Features Expected in Mobile Wallets
  • 4.4. Key Drivers and Adoption

5. Japan Mobile Wallet Market Outlook, FY2019-FY2033F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Type
      • 5.2.1.1. Proximity Mobile Payments
      • 5.2.1.2. Remote Mobile Payments
      • 5.2.1.3. Peer-to-Peer Transfers
    • 5.2.2. By Technology
      • 5.2.2.1. Near Field Communication
      • 5.2.2.2. QR Code
      • 5.2.2.3. Magnetic Secure Transmission
      • 5.2.2.4. Others
    • 5.2.3. By End-user
      • 5.2.3.1. Individuals
      • 5.2.3.2. Businesses
    • 5.2.4. By Region
      • 5.2.4.1. North
      • 5.2.4.2. South
      • 5.2.4.3. Central
    • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
  • 5.3. Market Map Analysis, FY2024
    • 5.3.1. By Type
    • 5.3.2. By Technology
    • 5.3.3. By End-users
    • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

  • 10.1. Market Drivers
  • 10.2. Market Challenges

11. Market Trends and Developments

12. Revenue Model Analysis (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

  • 14.1. Competition Matrix of Top 5 Market Leaders
  • 14.2. SWOT Analysis for Top 5 Players
  • 14.3. Key Players Landscape for Top 10 Market Players
    • 14.3.1. PayPay Corporation (PayPay)
      • 14.3.1.1. Company Details
      • 14.3.1.2. Key Management Personnel
      • 14.3.1.3. Products and Services
      • 14.3.1.4. Financials (As Reported)
      • 14.3.1.5. Key Market Focus and Geographical Presence
      • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
    • 14.3.2. LINE Corporation (LINE Pay)
    • 14.3.3. Rakuten Group, Inc. (Rakuten Pay)
    • 14.3.4. Mercari, Inc. (MerPay)
    • 14.3.5. NTT Docomo, Inc. (d Barai)
    • 14.3.6. Seven & i Holdings Co., Ltd. (nanaco)
    • 14.3.7. AEON Financial Service Co., Ltd. (WAON / Mobile WAON)
    • 14.3.8. KDDI Corporation (au PAY)
    • 14.3.9. Google LLC (Google Pay)
    • 14.3.10. Apple Inc. (Apple Pay)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. Japan Mobile Wallet Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. Japan Mobile Wallet Market Share (%), By Type, FY2019-FY2033F
  • Figure 3. Japan Mobile Wallet Market Share (%), By Technology, FY2019-FY2033F
  • Figure 4. Japan Mobile Wallet Market Share (%), By End-users, FY2019-FY2033F
  • Figure 5. Japan Mobile Wallet Market Share (%), By Region, FY2019-FY2033F
  • Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 7. By Technology Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 8. By End-users Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025