美國的行動電子錢包市場:類型·技術·終端用戶·各地區的機會及預測 (2018-2032年)

受數位支付、智慧型手機普及和非接觸式交易興起的推動，美國行動錢包市場預計將從 2024 年的 25.2 億美元增長到 2032 年的 67.6 億美元，預測期內的複合年增長率為 13.12%。

行動錢包不僅不斷擴張，而且正在成為人們日常生活中不可或缺的一部分。從在自助結帳櫃檯刷智慧型手機到幾秒鐘內分攤晚餐帳單，數位支付已不再是一種選擇，而是一種常態。

雖然疫情無疑促進了行動錢包的普及，但 2023 年及以後形成的行為模式將決定行動錢包的普及程度。隨著點對點 (P2P) 支付成為主流，店內支付的接受度也不斷提高。從全國性零售商到專賣店，行動錢包越來越多地引入獎勵計劃，以維護客戶忠誠度。

大型科技公司、金融科技公司、銀行，甚至咖啡連鎖店，不僅在爭奪交易量，也在爭奪消費者的認知度。如今的消費者期望無縫、安全且個人化的支付體驗，並認為如果超過兩次點擊就太晚了。

本報告研究了美國行動錢包市場，並提供了市場定義和概述、市場規模趨勢和預測、細分市場的詳細分析、案例研究、影響市場成長的因素分析、競爭格局以及主要公司的概況。

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 美國的行動電子錢包市場展望

• 市場規模的分析·預測
• 市場佔有率的分析·預測
  • 類別
    • 接近手機付款
    • 手機遠程支付
    • P2P傳輸
  • 各技術
    • NFC
    • QR編碼
    • 磁安全變速箱
    • 其他
  • 各終端用戶
    • 個人
    • 企業
  • 各地區
    • 東北部
    • 西南部
    • 西部
    • 東南部
    • 中西部
  • 各企業市場佔有率分析(前五名公司以及其他)
• 市場地圖分析

第6章 供需分析

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·發展

第12章 收益模式分析(最大努力原則)

第13章 案例研究

第14章 競爭情形

• 前五名公司的競爭矩陣
• 前五名公司的SWOT分析
• 前十大企業的形勢
  • Apple Inc.(Apple Pay)
  • Google LLC (Google Pay)
  • Block, Inc. (Cash App)
  • Meta Platforms, Inc.
  • Zelle (Early Warning Services, LLC)
  • Starbucks Corporation (Starbucks App)
  • Square, Inc.
  • Walmart Inc. (Walmart+ Pay)
  • Amazon.com, Inc. (Amazon Pay)
  • Samsung Electronics Co. Ltd.

第15章 策略性建議

第16章 關於調查公司·免責聲明

United States mobile wallet market is projected to witness a CAGR of 13.12% during the forecast period 2025-2032, growing from USD 2.52 billion in 2024 to USD 6.76 billion in 2032F, owing to increasing adoption of digital payments, smartphone penetration, and the rise of contactless transactions. America's mobile wallet market is not just growing; it is becoming an integral part of daily life. From tapping phones at self-checkout counters to splitting dinner bills in seconds, digital payments are no longer optional.

The pandemic may have sparked adoption, but it is the behavior that follows in 2023 that is defining permanence. In-store acceptance has expanded as peer-to-peer (P2P) payments have become mainstream. Retailers, both national and niche, are integrating loyalty into digital wallets to retain customers.

Big Tech, fintech disruptors, banks, and even coffee chains are competing, not just for transaction volume, but for mindshare. Consumers now expect seamless, secure, and personalized payment experiences. If it takes more than two taps, it is already too slow.

For instance, in May 2025, Block/Square began rolling out Bitcoin payments via Lightning Network on Square terminals, emphasizing innovation in merchant-facing wallets and signifying a growing bridge between crypto and everyday commerce.

Explosive Growth of Contactless and NFC Payments Leads to Market Growth

Near Field Communication (NFC) has become a dominant force in retail. Apple Pay, Google Pay, and Samsung Pay are no longer future-forward; they are foundational. This shift is not just tech, it is trust. Americans want speed, security, and zero friction at checkout. The COVID-19 pandemic accelerated demand for hygienic, touch-free payments. According to Visa, in 2023, over 80% of U.S. card terminals now support contactless payments. NFC transactions take less than 1 second, compared to 3-5 seconds for chip cards.

For instance, in February 2022, Apple's NFC adoption in the United States ripened further with the nationwide rollout of "Tap to Pay on iPhone." This feature enables merchants to accept Apple Pay and contactless cards using only their iPhone, eliminating the need for a terminal.

Businesses Embrace Wallet-Based Loyalty and In-App Commerce

The growing integration of wallet-based loyalty programs and in-app commerce is significantly boosting the United States mobile wallet market, as businesses increasingly adopt these features to enhance customer engagement and drive sales. Major retailers, such as Starbucks, Walmart, and Target, have successfully leveraged mobile wallets to combine seamless payments with personalized rewards, discounts, and targeted promotions, thereby encouraging repeat usage.

For instance, in February 2024, Starbucks Corporation reported that over 55% of its United States orders were placed via its mobile app, which also serves as a wallet, loyalty platform, and order manager. Starbucks Rewards users loaded over USD 2 billion into the app last year alone.

Whereas, Walmart+, Square, and Amazon Pay are integrating offers, cash back, and subscriptions directly into the payment flow. The wallet is the new storefront.

Peer-to-Peer Transfers Dominates the United States Market Growth

P2P payments have moved from convenience to infrastructure. Whether it is rent, babysitting, or splitting gas, cash is out; apps are in. The convenience of instant cashless transactions has made P2P payments a daily habit for millions, particularly among younger demographics, such as Millennials and Gen Z. This surge in P2P transactions has directly fueled mobile wallet usage, as many users link their digital wallets to these platforms for seamless funding and withdrawals. Additionally, social payment features (such as Venmo's feed or Cash App's Cashtags) have embedded peer-to-peer (P2P) payments into everyday social interactions, further accelerating adoption.

In January 2024, Zelle, an app widely used for P2P transactions, reported processing over USD 800 billion in transfers for 2023, with a 28% YoY increase in consumer-to-consumer transactions. Unlike other wallets, Zelle's integration with 1,800+ United States banks gives it an unmatched network effect.

Key Players Landscape and Outlook

The United States mobile wallet market is a battleground of ecosystems. Apple Pay leads in NFC retail transactions, benefiting from iPhone's hardware dominance. Google Pay and Samsung Pay maintain traction across Android devices, especially in big-box retail and transit. Cash App (by Block, Inc.) dominates P2P among younger users with social features and crypto integration.

Zelle, backed by United States banks, operates at scale with direct bank transfers via P2P. Meanwhile, Starbucks and Walmart are redefining branded wallets, blending payments with rewards, inventory, and mobile ordering. Amazon Pay supports merchant checkout across thousands of websites in the United States. The market is maturing into two camps: platform wallets (such as Apple, Google, and Zelle) and merchant-driven apps (like Starbucks and Walmart). Both are converging on the same goal, owning the transaction and the customer relationship.

For instance, in October 2024, Apple Inc. announced a significant expansion of its Business Connect platform, enabling businesses of all sizes, including those without a physical location, to manage how their brand appears to over 1 billion Apple users worldwide. For the first time, any verified business can establish a consistent brand and location presence across key Apple apps, including Maps, Wallet, and Mail. Businesses can now manage their appearance in Apple Wallet, enabling them to create a visual brand identity that reaches customers directly through the Wallet app.

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. United States Mobile Wallet Market Outlook, 2018-2032F

• 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-users
    • 5.2.3.1. Individual
    • 5.2.3.2. Businesses
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Southwest
    • 5.2.4.3. West
    • 5.2.4.4. Southeast
    • 5.2.4.5. Midwest
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 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. Apple Inc. (Apple Pay)
    • 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. Google LLC (Google Pay)
  • 14.3.3. Block, Inc. (Cash App)
  • 14.3.4. Meta Platforms, Inc.
  • 14.3.5. Zelle (Early Warning Services, LLC)
  • 14.3.6. Starbucks Corporation (Starbucks App)
  • 14.3.7. Square, Inc.
  • 14.3.8. Walmart Inc. (Walmart+ Pay)
  • 14.3.9. Amazon.com, Inc. (Amazon Pay)
  • 14.3.10. Samsung Electronics Co. Ltd.

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. United States Mobile Wallet Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States Mobile Wallet Market Share (%), By Type, 2018-2032F
• Figure 3. United States Mobile Wallet Market Share (%), By Technology, 2018-2032F
• Figure 4. United States Mobile Wallet Market Share (%), By End-user, 2018-2032F
• Figure 5. United States Mobile Wallet Market Share (%), By Region, 2018-2032F
• Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024