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市場調查報告書
商品編碼
1965433
行動POS市場-全球產業規模、佔有率、趨勢、機會、預測:按組件、企業規模、最終用戶、地區和競爭對手分類,2021-2031年Mobile POS Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented, By Component, By Enterprise Size (Large Enterprise, Small & Medium Enterprises ), By End-User, By Region & Competition, 2021-2031F |
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全球行動POS市場預計將從2025年的633.4億美元大幅成長至2031年的1,610.7億美元,複合年成長率為16.83%。
這些系統利用平板電腦、智慧型手機或專用無線設備作為電子終端和收銀暫存器,取代了傳統的固定硬體。市場擴張的主要驅動力是零售和旅館業對行動性日益成長的需求,以及對非接觸式支付方式需求的激增。此外,與傳統系統相比,其更低的實施成本也加速了中小企業對高效交易處理解決方案的快速採用。
| 市場概覽 | |
|---|---|
| 預測期 | 2027-2031 |
| 市場規模:2025年 | 633.4億美元 |
| 市場規模:2031年 | 1610.7億美元 |
| 複合年成長率:2026-2031年 | 16.83% |
| 成長最快的細分市場 | 中小企業 |
| 最大的市場 | 北美洲 |
根據GSMA發布的2025年數據,全球透過行動支付帳戶處理的商家支付額在上年度超過1,000億美元,展現出強勁的產業發展動能。然而,該市場面臨著資料安全和金融詐騙威脅的重大挑戰。透過無線網路傳輸敏感的財務資訊會產生安全漏洞,從而損害用戶信任。因此,維護嚴格的加密標準和合規通訊協定對於防止這些風險阻礙行動支付的廣泛市場應用至關重要。
隨著全球非接觸式和無現金支付方式的加速普及,商業格局正在發生變革,迫使企業升級系統以保持競爭力。消費者越來越傾向於使用數位錢包和非接觸式支付卡而非實體貨幣,企業正迅速部署行動銷售點 (mPOS) 終端,以安全快捷地滿足這些偏好。這一趨勢的驅動力在於近距離場通訊 (NFC) 交易的興起,NFC 交易需要能夠在店內任何位置處理支付的行動硬體。 Visa 報告稱,到 2024 年底,除美國以外,全球超過 80% 的 Visa 面對面交易將在 2024 會計年度實現非接觸式支付,這將加速 mPOS 解決方案的普及,從而提供無縫的支付體驗。
同時,與現有系統相比,行動POS系統(mPOS)更低的維護和實施成本極具吸引力,而中小企業(SME)日益成長的採用率也是成長要素。 mPOS解決方案利用現有的智慧型手機和平板電腦,取代了昂貴笨重的暫存器,降低了財務門檻,使小規模企業也能使用企業級工具。 Block公司在2024年初宣布,其垂直產業POS解決方案的毛利年增27%,凸顯了強勁的市場需求。這種便利性正在推動數位經濟的普及化,Worldpay發布的2024年數據顯示,2023年全球30%的消費者支出是透過POS機上的數位錢包完成的,進一步印證了這一點。
阻礙全球行動POS市場成長的主要障礙是金融詐騙和資料安全漏洞的持續威脅。與傳統的有線終端不同,行動系統透過無線網路傳輸高度敏感的交易數據,這使其容易成為網路犯罪分子的攻擊目標。這種潛在的身份盜竊和資料外洩風險會損害企業信任,導致許多公司儘管行動解決方案具有操作柔軟性,但仍堅持使用傳統系統。尤其是在那些維護客戶信任至關重要的行業,由於擔心財務責任和聲譽損害,企業往往認為採用行動系統風險過高。
近期行業統計數據凸顯了這個問題的嚴重性,阻礙了對現代支付技術的投資。根據金融專業人士協會 (AFP) 發布的《2025 年報告》,79% 的機構在上年度中遭遇過實際發生的或未遂的支付詐騙。這種金融犯罪的高發生率阻礙了市場滲透,因為對經濟損失的擔憂往往超過了降低實施成本的益處。因此,市場難以說服風險規避型商家放棄傳統的交易方式,轉而使用更新、但被認為風險更高的行動支付方式。
隨著SoftPOS和Tap-to-Phone技術的普及,硬體環境正在改變。這些技術利用市面上常見的智慧型手機作為支付終端,無需任何外部周邊設備。這種軟體主導的方式省去了專用終端,商家只需下載一個應用程式,即可透過近距離場通訊(NFC)技術在自己的設備上處理交易。這項創新對小規模企業尤其有利,因為它避免了傳統讀卡機設備帶來的硬體成本和供應鏈延誤。 2025年3月,Visa宣布其Tap-to-Phone技術的全球採用率年增了200%,顯示市場正迅速向無硬體解決方案轉型。
同時,行動裝置正透過拓展除基本支付處理之外的附加價值服務,發展成為綜合性的業務管理中心。服務提供者正日益將庫存管理、客戶關係管理 (CRM) 和貸款工具直接整合到行動POS (mPOS) 介面中,使其成為業務成長的核心作業系統。這項策略透過將金融服務融入日常運營,有助於提高商家留存率。 Block 在 2025 年 2 月報告稱,Square 的毛利年增 12%。這一成長主要歸功於整合銀行產品和軟體的成功,這些產品和軟體提供的功能遠不止於簡單的支付處理。
The Global Mobile POS Market is projected to experience substantial growth, expanding from USD 63.34 Billion in 2025 to USD 161.07 Billion by 2031 at a compound annual growth rate of 16.83%. These systems utilize tablets, smartphones, or dedicated wireless devices to act as electronic terminals or cash registers, replacing traditional fixed hardware. The market's expansion is primarily fueled by the increasing necessity for mobility in the retail and hospitality industries, alongside a surging demand for contactless payment methods. Furthermore, the lower implementation costs compared to legacy systems are driving rapid adoption among small and medium-sized enterprises looking for efficient transaction processing solutions.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 63.34 Billion |
| Market Size 2031 | USD 161.07 Billion |
| CAGR 2026-2031 | 16.83% |
| Fastest Growing Segment | Small & Medium Enterprises (SMEs) |
| Largest Market | North America |
According to 2025 data from the GSMA, global merchant payments processed through mobile money accounts surpassed $100 billion in the preceding year, indicating strong sector momentum. However, the market faces significant hurdles related to data security and the threat of financial fraud. Transmitting sensitive financial information over wireless networks introduces vulnerabilities that can erode user confidence; therefore, maintaining strict encryption standards and compliance protocols is crucial to prevent these risks from impeding broader market acceptance.
Market Driver
The accelerating global shift toward contactless and cashless payment methods is transforming the commercial landscape, forcing merchants to upgrade their systems to stay competitive. As consumers increasingly favor digital wallets and tap-to-pay cards over physical currency, businesses are swiftly implementing Mobile Point of Sale (mPOS) terminals to facilitate these preferences securely and quickly. This trend is driven by the rise in near-field communication (NFC) transactions, which requires mobile hardware capable of processing payments anywhere in a store. Visa reported in late 2024 that, excluding the United States, over 80% of face-to-face Visa transactions globally were contactless in fiscal year 2024, prompting retailers to adopt mPOS solutions for seamless checkout experiences.
Simultaneously, the market is growing due to increasing adoption by Small and Medium-sized Enterprises (SMEs), attracted by the low maintenance and implementation costs of mPOS compared to legacy systems. By leveraging existing smartphones or tablets rather than expensive, bulky cash registers, mPOS solutions lower financial barriers and allow smaller merchants to access enterprise-level tools. Block, Inc. noted in early 2024 that gross profit from its vertical point-of-sale solutions increased by 27% year-over-year, highlighting strong demand. This accessibility is democratizing the digital economy, further evidenced by Worldpay's 2024 data showing that digital wallets comprised 30% of global consumer spending at the point of sale in 2023.
Market Challenge
A major obstacle restricting the growth of the Global Mobile POS Market is the persistent threat of financial fraud and data security breaches. Unlike traditional hardwired terminals, mobile systems transmit sensitive transaction data across wireless networks, creating vulnerabilities that are often targeted by cybercriminals. This exposure to potential identity theft and data breaches undermines merchant confidence, causing many businesses to stick with legacy systems despite the operational flexibility mobile solutions offer. Concerns over financial liability and reputational damage frequently lead enterprises to view mobile adoption as an excessive risk, particularly where maintaining customer trust is essential.
Recent industry statistics highlight the severity of this issue, which discourages investment in modern payment technologies. The Association for Financial Professionals reported in 2025 that 79% of organizations had been victims of actual or attempted payment fraud in the previous year. This high prevalence of financial crime hinders market penetration, as the fear of monetary loss often outweighs the benefits of lower implementation costs. Consequently, the market struggles to convince risk-averse merchants to switch from established transaction methods to newer, perceivedly riskier mobile alternatives.
Market Trends
The hardware landscape is being revolutionized by the widespread adoption of SoftPOS and Tap-to-Phone technologies, which allow standard commercial off-the-shelf smartphones to accept payments without external peripherals. This software-driven approach removes the need for proprietary terminals, enabling merchants to download an app and process transactions via Near-Field Communication (NFC) directly on their devices. This innovation is especially beneficial for micro-merchants, allowing them to bypass hardware costs and supply chain delays associated with traditional readers. Visa announced in March 2025 that its Tap to Phone technology saw a 200% year-over-year increase in adoption globally, signaling a rapid shift toward hardware-free solutions.
In parallel, mobile terminals are evolving into comprehensive business management hubs through the expansion of value-added services beyond basic payment processing. Providers are increasingly embedding tools for inventory management, customer relationship management (CRM), and lending directly into mPOS interfaces, transforming them into central operating systems for business growth. This strategy improves merchant retention by integrating financial services into daily workflows. Block, Inc. reported in February 2025 that Square's gross profit grew by 12% year-over-year, a rise attributed largely to the success of integrated banking products and software that extend utility well beyond simple transaction acceptance.
Report Scope
In this report, the Global Mobile POS Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global Mobile POS Market.
Global Mobile POS Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: