全球行動付款技術市場規模（按付款類型、交易模式、購買類型、應用、區域覆蓋範圍及預測）- 2020 年

行動付款技術市場規模及預測

預計行動付款技術市場規模在 2024 年將達到 7,427.2 億美元，到 2032 年將達到 227124.1 億美元，在 2026-2032 年預測期內的複合年成長率為 58.85%。

行動付款技術在零售、電子商務、運輸甚至P2P付款領域有著廣泛的應用，使用戶能夠輕鬆地在多個地點進行交易。

行動付款技術的未來前景光明，預計安全功能將有所進步，與區塊鏈和人工智慧等新技術的融合，並在發展中地區得到更廣泛的應用，所有這些都將為全球用戶增加便利性和可近性。

行動付款技術的全球市場動態

影響全球行動付款技術市場的關鍵市場動態是：

關鍵促進因素

智慧型手機普及率不斷提高：全球智慧型手機的日益普及是行動付款技術市場的主要推動力。預計到 2021 年，智慧型手機用戶總數將超過 38 億，行動付款應用程式讓消費者隨時隨地輕鬆購物。預計這一趨勢將持續下去，行動付款系統的使用也將加速。 2024 年 4 月，蘋果宣布 iPhone 在新興市場的銷售量與前一年同期比較增 22%，其中行動付款功能是推動其普及的主要動力。

非接觸式付款的偏好日益成長：受新冠疫情影響，對非接觸式付款解決方案的需求不斷成長，顯著增強了行動付款技術領域的發展。消費者越來越喜歡非接觸式付款的便利性和安全性，以避免交易過程中的身體接觸。這些消費行為趨勢正在鼓勵商家利用行動付款解決方案來滿足客戶需求。

安全技術的進步：生物識別（指紋和臉部認證）和標記化等安全措施的不斷改進，正在增加客戶對行動付款系統的信任。在安全問題仍然是採用的障礙的時代，這些進步有助於限制風險並保護敏感的付款資訊，鼓勵更多人使用行動付款技術。 2024年3月，Visa宣布其網路上60%的行動付款交易使用生物識別方法（指紋、臉部認證），高於前一年的45%。

政府措施和法規：許多政府正在支持數付款替代方案，以促進金融包容性並最大限度地減少對現金交易的依賴。付款管道補貼、接受行動付款的商家獎勵以及鼓勵安全付款生態系統的法規等舉措正在推動行動付款技術市場向前發展，並鼓勵企業和消費者採用這些解決方案。 2024年4月，美國聯邦儲備委員會宣布開發名為「Fed Now」的快速付款服務，計畫於2025年推出，並預測行動付款的使用將會增加。

主要問題

安全問題：儘管安全技術取得了進步，但行動付款領域仍然受到資料外洩和詐騙的困擾。消費者擔心其財務和個人資訊的安全，這可能會阻止他們採用行動付款解決方案。確保強力的安全措施和贏得消費者的信任仍然是該領域組織面臨的主要挑戰。

缺乏標準化：行動付款生態系統缺乏統一的標準，為不同付款管道和設備之間的互通性帶來了挑戰。不同的技術、通訊協定和使用者介面讓消費者感到困惑，並阻礙了無摩擦的商業活動。建立行業標準對於提高互通性和改善整體用戶體驗至關重要。

基礎設施限制：在許多地方，特別是開發中國家，技術基礎設施不足是採用行動付款系統的障礙。網路存取不良、智慧型手機普及率低以及缺乏支援性付款基礎設施都是行動付款普遍接受和有效性的障礙。

監管挑戰：行動付款業務受到不同地區差異很大的複雜監管。對於在全球營運的公司來說，遵守不同的資料保護、洗錢防制和付款處理標準可能會很困難。克服這些監管障礙需要大量資源，這會影響我們的市場進入速度和成長策略。

主要趨勢

數位錢包的普及：越來越多的消費者正在採用Apple Pay、Google Pay和Samsung Pay等數位錢包。這些錢包允許用戶在一個地方儲存各種付款方式，從而可以在店內和線上更快地購物。電子商務的興起和對無摩擦結帳體驗的需求正在推動數位錢包的興起。

生物辨識認證整合：指紋掃描和臉部認證等生物辨識認證方法在行動付款系統中的應用越來越廣泛。這一趨勢透過實現快速、安全的付款應用程式訪問，提高了安全性並改善了用戶體驗。隨著消費者越來越重視交易的安全性，生物識別預計會增加。

非接觸式付款的興起：我們正在看到向非接觸式付款技術的轉變，尤其是自 COVID-19 疫情爆發以來。消費者正在轉向使用非接觸式卡和智慧型手機付款，以避免購物時的身體接觸。這一趨勢正在鼓勵商家採用非接觸式付款技術，促進行動付款解決方案的全面擴展。

加密貨幣在付款中的使用日益增加：隨著越來越多的平台和零售商接受數位貨幣，加密貨幣作為付款方式的接受度正在不斷成長。區塊鏈技術的進步和穩定幣的誕生使得消費者能夠使用加密貨幣進行常規交易。這項發展有望改變行動付款生態系統，為用戶提供傳統貨幣的替代品。

目錄

第1章 全球行動付款技術市場介紹

• 市場概覽
• 研究範圍
• 先決條件

第2章執行摘要

第3章：已驗證的市場研究調查方法

• 資料探勘
• 驗證
• 第一手資料
• 資料來源列表

第4章 全球行動付款技術市場展望

• 概述
• 市場動態
  • 驅動程式
  • 限制因素
  • 機會
• 波特五力模型
• 價值鏈分析

第5章 全球行動付款技術市場（按付款方式）

• 概述
• 近距離付款
• 遠端付款

第6章 全球行動付款技術市場（依技術分類）

• 概述
• NFC
• QR 圖碼
• WAP 和基於卡片
• 數位錢包
• 基於銀行應用程式
• 基於簡訊/DCB
• 其他

第7章全球行動付款技術市場（按應用）

• 概述
• BFSI
• 零售
• 衛生保健
• 娛樂
• 資訊科技/通訊
• 能源公共產業
• 飯店與旅遊
• 其他

第8章 行動付款技術市場（按購買類型）

• 通訊轉移和儲值
• 匯款及付款
• 產品和優惠券
• 旅行和門票

第9章 全球行動付款技術市場（按地區）

• 概述
• 北美洲
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 其他歐洲國家
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 其他亞太地區
• 其他
  • 拉丁美洲
  • 中東和非洲

第10章全球行動付款技術市場的競爭格局

• 概述
• 各公司市場排名
• 重點發展策略

第11章 公司簡介

• Orange SA
• Vodacom Group Limited
• MasterCard Incorporated
• Bharti Airtel Limited
• MTN Group Limited
• Safaricom Limited
• PayPal Holdings Inc.
• Econet Wireless Zimbabwe Limited
• Millicom International Cellular SA
• Mahindra Comviva
• AT & T'S
• JIO
• Apple Inc.
• Google LLC.

第12章 附錄

• 相關報告

Mobile Payment Technology Market Size And Forecast

Mobile Payment Technology Market size was valued at USD 742.72 Billion in 2024 and is projected to reach USD 22712.41 Billion by 2032, growing at a CAGR of 58.85% from 2026 to 2032. goods and services swiftly and securely through a variety of payment methods such as near-field communication (NFC), mobile wallets, and online banking apps.

Mobile payment technology has a wide range of applications, including retail, e-commerce, transportation, and even peer-to-peer payments, allowing users to make transactions effortlessly across several locations.

The future of mobile payment technology looks promising, with expected advancements in security features, integration with emerging technologies such as blockchain and artificial intelligence, and increased adoption in developing regions, all of which will improve convenience and accessibility for users worldwide.

Global Mobile Payment Technology Market Dynamics

The key market dynamics that are shaping the global mobile payment technology market include:

Key Drivers:

Increasing Smartphone Penetration: The global use of smartphones is a major driver of the mobile payment technology market. With over 3.8 billion smartphone users by 2021, mobile payment apps make it easy for consumers to perform purchases at any time and from any location. This trend is projected to continue, accelerating the use of mobile payment systems. In April 2024, Apple stated that iPhone sales in emerging markets increased by 22% year on year, with mobile payment functionality being a key driver of adoption.

Growing Preference for Contactless Payments: The increase in demand for contactless payment solutions, aided by the COVID-19 epidemic, has greatly strengthened the mobile payment technology sector. Consumers are increasingly preferring the ease and security of contactless payments to avoid physical contact during transactions. This trend in consumer behavior encourages merchants to use mobile payment solutions to satisfy client desires.

Advancements in Security Technologies: Continuous improvements in security measures, such as biometric authentication (fingerprint and facial recognition) and tokenization, are increasing customer trust in mobile payment systems. As security concerns remain a barrier to adoption, these advancements help limit risks and protect sensitive payment information, encouraging more people to use mobile payment technology. In March 2024, Visa announced that biometric authentication methods (fingerprint, facial recognition) were used in 60% of mobile payment transactions on its network, up from 45% the year before.

Government Initiatives and Regulations: Many governments are supporting digital payment alternatives to increase financial inclusion and minimize reliance on cash transactions. Initiatives like as subsidies for digital payment platforms, incentives for merchants to accept mobile payments, and rules that encourage secure payment ecosystems are propelling the mobile payment technology market forward, pushing businesses and consumers to use these solutions. The United States Federal Reserve announced in April 2024 the development of Fed Now, a quick payment service slated to start in 2025 and projected to increase mobile payment use.

Key Challenges:

Security Concerns: Despite advances in security technologies, the mobile payment sector continues to be plagued by data leaks and fraudulent activity. Users are concerned about the security of their financial and personal information, which may prevent them from using mobile payment solutions. Ensuring strong security measures and winning consumer trust are still major difficulties for organizations in this field.

Lack of Standardization: The mobile payment ecosystem lacks uniform standards, which causes interoperability challenges between different payment platforms and devices. Different technologies, protocols, and user interfaces can cause consumer confusion and impede frictionless transactions. Establishing industry-wide standards is critical for increasing interoperability and improving the overall user experience.

Infrastructure Limitations: In many places, particularly in developing countries, insufficient technology infrastructure can hinder the adoption of mobile payment systems. Poor internet access, low smartphone adoption, and a lack of supporting payment infrastructure can all impede mobile payments' general acceptability and effectiveness.

Regulatory Challenges: The mobile payment business is governed by a complicated set of regulations that can vary greatly by area. Compliance with differing standards on data protection, anti-money laundering, and payment processing can be difficult for organizations operating globally. Navigating these regulatory hurdles demands significant resources and might have an impact on the speed of market entry and growth strategy.

Key Trends:

Increasing Adoption of Digital Wallets: Consumers are increasingly turning to digital wallets like Apple Pay, Google Pay, and Samsung Pay as they seek easy and secure payment solutions. These wallets let users to store various payment methods in one location, allowing for rapid purchases both in-store and online. The rise of e-commerce and the demand for frictionless checkout experiences fuel the push toward digital wallets.

Integration of Biometric Authentication: Biometric identification methods, such as fingerprint scanning and facial recognition, are increasingly being used in mobile payment systems. This trend increases security and improves user experience by allowing for quick and secure access to payment apps. As consumer's value safety in their transactions, biometric integration is projected to increase.

Expansion of Contactless Payments: The transition of contactless payment technologies has increased, especially since the COVID-19 pandemic. Consumers are increasingly using contactless cards and smartphone payments to avoid physical contact during purchases. This tendency encourages merchants to use contactless payment technology, which contributes to the overall expansion of mobile payment solutions.

Increasing Use of Cryptocurrency for Payment: The acceptance of cryptocurrencies as a payment method is growing, due to a rising number of platforms and retailers who accept digital currencies. Consumers can now utilize cryptocurrencies for regular transactions thanks to advancements in blockchain technology and the creation of stable coins. This development is likely to transform the mobile payment ecosystem, providing users with alternatives to established currencies.

Global Mobile Payment Technology Market Regional Analysis

Here is a more detailed regional analysis of the global mobile payment technology market:

Europe:

North America remains a leading force in the Mobile Payment Technology Market, owing to high smartphone adoption, robust technological infrastructure, and a strong push for cashless transactions. The Federal Reserve's 2024 Payments Study, published in April, found that mobile payments in the United States increased by 28% in 2023 compared to the previous year, accounting for 22% of all retail transactions. This expansion is fueled by the growing use of mobile wallets and contactless payment solutions in a variety of industries.

For instance, in July 2023, the United States Treasury Department proposed measures to improve cybersecurity for financial transactions, encouraging a safer environment for digital payments. In September 2023, furthermore, a poll conducted by the National Retail Federation indicated that approximately 70% of customers in the region are now comfortable utilizing mobile payment apps, reinforcing North America's position as the global leader.

Asia Pacific:

The Asia Pacific area is experiencing tremendous expansion in the mobile payment technology market, owing to rising smartphone adoption and a thriving digital economy. In September 2023, Alibaba's Ant Group said that it would expand its mobile payment services in Southeast Asia, reflecting the region's potential for mobile commerce.

For instance, in August 2023, the Reserve Bank of India launched the "Digital Payments Utsav" campaign to encourage people and companies to switch to digital payment systems. Furthermore, in July 2023 poll performed by the Asia-Pacific Economic Cooperation (APEC) revealed that about 75% of consumers in the area have used mobile payment apps in the previous year, indicating that customers are becoming more comfortable and trusting of these technologies.

Global Mobile Payment Technology Market: Segmentation Analysis

The Global Mobile Payment Technology Market is segmented on the basis of Payment Type, Transaction Mode, Purchase Type, Application, and Geography.

Mobile Payment Technology Market, By Payment Type

• Proximity
• Remote

Based on Payment Type, the Global Mobile Payment Technology Market is segmented into Proximity, and Remote. The proximity payment category is currently prominent, as it includes popular methods like as NFC (Near Field Communication) and QR code payments, which are commonly used in retail situations. The remote payment segment is the fastest-growing, driven by rising demand for e-commerce and digital transactions, especially in the aftermath of the COVID-19 pandemic, as customers seek simple and flexible payment solutions for online purchases.

Mobile Payment Technology Market, By Transaction Mode

• Mobile Web Payments
• Near-Field Communication
• SMS/Direct Carrier Billing

Based on Transaction Mode, the Global Mobile Payment Technology Market is segmented into Mobile Web Payments, Near-Field Communication, and SMS/Direct Carrier Billing. The Near-Field Communication (NFC) segment is currently prominent because it allows for easy and secure transactions in retail contexts via tap-to-pay. Meanwhile, Mobile Web Payments is the fastest-growing area, driven by the rise of e-commerce and mobile shopping, as consumers prefer to make purchases directly through mobile websites and apps.

Mobile Payment Technology Market, By Purchase Type

• Airtime Transfer and Top-Ups
• Money Transfers and Bill Payments
• Merchandise and Coupons
• Travel and Ticketing

Based on Purchase Type, the Global Mobile Payment Technology Market is segmented into Airtime Transfer and Top-Ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing. The Money Transfers and Bill Payments sector is now prominent because it includes a wide range of important financial operations that customers often conduct. The Travel and Ticketing area is the fastest-growing, driven by rising demand for simple payment options in the travel industry, especially as travel resumes and digital ticketing becomes more common.

Mobile Payment Technology Market, By Application

• Media & Entertainment
• Energy & Utilities
• Healthcare
• Retail
• Hospitality & Transportation

Based on Application, the Global Mobile Payment Technology Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, and Hospitality & Transportation. The retail market is currently dominant, due to the growing adoption of mobile payment solutions for both in-store and online buying experiences. The Hospitality & Transportation area is the fastest-growing, owing to rising consumer demand for frictionless payment experiences when booking services and traveling, notably via applications and digital channels.

Mobile Payment Technology Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the World

Based on the Geography, the Global Mobile Payment Technology Market are classified into North America, Europe, Asia Pacific, Rest of the World. North America is currently the dominant region, due to sophisticated technology infrastructure and widespread consumer use of mobile payment options. The Asia Pacific area is the fastest growing, owing to a quickly increasing digital economy, greater smartphone penetration, and rising consumer preference for mobile payments in countries such as China and India.

Key Players

The "Global Mobile Payment Technology Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, and Monzo.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with its product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

• Global Mobile Payment Technology Market: Recent Developments
• In July 2023, Apple announced an update to its Apple Pay service that included support for new cryptocurrencies. This move corresponds with rising consumer interest in digital currencies, allowing users to perform transactions using multiple cryptocurrencies directly through Apple Wallet.
• In August 2023, Samsung Pay has teamed with various banks in the United States to develop a loyalty rewards program for its users. Customers can earn points for each mobile payment transaction, which promotes consumer engagement and encourages the adoption of mobile payments.
• In August 2023, Visa increased its partnership with fintech startups to improve mobile payment security using blockchain technology. This collaboration seeks to use decentralized systems to improve the transparency and security of mobile transactions, thereby addressing growing concerns about fraud in digital payments.

TABLE OF CONTENTS

1. INTRODUCTION OF GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET

• 1.1. Overview of the Market
• 1.2. Scope of Report
• 1.3. Assumptions

2. EXECUTIVE SUMMARY

3. RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1. Data Mining
• 3.2. Validation
• 3.3. Primary Interviews
• 3.4. List of Data Sources

4. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET OUTLOOK

• 4.1. Overview
• 4.2. Market Dynamics
  • 4.2.1. Drivers
  • 4.2.2. Restraints
  • 4.2.3. Opportunities
• 4.3. Porters Five Force Model
• 4.4. Value Chain Analysis

5. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY PAYMENT MODE

• 5.1. Overview
• 5.2. Proximity Payment
• 5.3. Remote Payment

6. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY TECHNOLOGY

• 6.1. Overview
• 6.2. NFC
• 6.3. QR Code
• 6.4. WAP & Card-Based
• 6.5. Digital Wallet
• 6.6. Banking App-based
• 6.7. SMS-based/DCB
• 6.8. Others

7. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY APPLICATION

• 7.1. Overview
• 7.2. BFSI
• 7.3. Retail
• 7.4. Healthcare
• 7.5. Entertainment
• 7.6. IT and Telecom
• 7.7. Energy & Utilities
• 7.8. Hospitality & Tourism
• 7.9. Others

8. Mobile Payment Technology Market, By Purchase Type

• 8.1 Airtime Transfer and Top-Ups
• 8.2 Money Transfers and Bill Payments
• 8.3 Merchandise and Coupons
• 8.4 Travel and Ticketing

9. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY GEOGRAPHY

• 9.1. Overview
• 9.2. North America
  • 9.2.1. U.S.
  • 9.2.2. Canada
  • 9.2.3. Mexico
• 9.3. Europe
  • 9.3.1. Germany
  • 9.3.2. U.K.
  • 9.3.3. France
  • 9.3.4. Rest of Europe
• 9.4. Asia Pacific
  • 9.4.1. China
  • 9.4.2. Japan
  • 9.4.3. India
  • 9.4.4. Rest of Asia Pacific
• 9.5. Rest of the World
  • 9.5.1. Latin America
  • 9.5.2. Middle East & Africa

10. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET COMPETITIVE LANDSCAPE

• 10.1. Overview
• 10.2. Company Market Ranking
• 10.3. Key Development Strategies

11. COMPANY PROFILES

• 11.1. Orange S.A.
  • 11.1.1. Overview
  • 11.1.2. Financial Performance
  • 11.1.3. Product Outlook
  • 11.1.4. Key Developments
• 11.2. Vodacom Group Limited
  • 11.2.1. Overview
  • 11.2.2. Financial Performance
  • 11.2.3. Product Outlook
  • 11.2.4. Key Developments
• 11.3. MasterCard Incorporated
  • 11.3.1. Overview
  • 11.3.2. Financial Performance
  • 11.3.3. Product Outlook
  • 11.3.4. Key Developments
• 11.4. Bharti Airtel Limited
  • 11.4.1. Overview
  • 11.4.2. Financial Performance
  • 11.4.3. Product Outlook
  • 11.4.4. Key Developments
• 11.5. MTN Group Limited
  • 11.5.1. Overview
  • 11.5.2. Financial Performance
  • 11.5.3. Product Outlook
  • 11.5.4. Key Developments
• 11.6. Safaricom Limited
  • 11.6.1. Overview
  • 11.6.2. Financial Performance
  • 11.6.3. Product Outlook
  • 11.6.4. Key Developments
• 11.7. PayPal Holdings Inc.
  • 11.7.1. Overview
  • 11.7.2. Financial Performance
  • 11.7.3. Product Outlook
  • 11.7.4. Key Developments
• 11.8. Econet Wireless Zimbabwe Limited
  • 11.8.1. Overview
  • 11.8.2. Financial Performance
  • 11.8.3. Product Outlook
  • 11.8.4. Key Developments
• 11.9. Millicom International Cellular SA
  • 11.9.1. Overview
  • 11.9.2. Financial Performance
  • 11.9.3. Product Outlook
  • 11.9.4. Key Developments
• 11.11. Mahindra Comviva
  • 11.11.1. Overview
  • 11.11.2. Financial Performance
  • 11.11.3. Product Outlook
  • 11.11.4. Key Developments
• 11.11. AT &T'S
  • 11.11.1. Overview
  • 11.11.2. Financial Performance
  • 11.11.3. Product Outlook
  • 11.11.4. Key Developments
• 11.12. JIO
  • 11.12.1. Overview
  • 11.12.2. Financial Performance
  • 11.12.3. Product Outlook
  • 11.12.4. Key Developments
• 11.13. Apple Inc.
  • 11.13.1. Overview
  • 11.13.2. Financial Performance
  • 11.13.3. Product Outlook
  • 11.13.4. Key Developments
• 11.14. Google LLC.
  • 11.14.1. Overview
  • 11.14.2. Financial Performance
  • 11.14.3. Product Outlook
  • 11.14.4. Key Developments

12. Appendix

• 12.1. Related Reports