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市場調查報告書
商品編碼
1754077
中國支付與電子商務（2025）：全球領導者的策略洞察China Payments & E-Commerce 2025: Strategic Insights for Global Leaders |
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價格
簡介目錄
本報告基於2025年的最新數據，重點關注中國在行動錢包普及、跨境融合和人工智慧驅動的平台創新方面持續保持領先地位。研究結果表明，支付寶、微信支付、京東和阿里巴巴等主要參與者不僅正在重塑中國國內市場，還透過戰略合作夥伴關係、人工智慧整合和數位金融創新，不斷擴大其全球影響力。
報告主要發現：
- 在融合支付、社群媒體、購物和公共服務的生態系統的推動下，行動錢包如今已成為中國數位交易的主流。
- 阿里巴巴和京東正在大力投資人工智慧基礎設施和即時配送，阿里巴巴的88VIP會員計畫會員數量已超過5000萬。
- 數位人民幣（e-CNY）累計交易額已超過7.3兆美元，目前已在超過29個城市涵蓋交通、醫療和公共服務等領域。
- 微信支付和支付寶已拓展國際業務，並與Stripe等平台合作，在20多個國家提供行動支付服務。
- 中國2025年的數位金融改革正在重塑生態系統，旨在實現平台互通性、數據透明度和加強消費者保護。
目錄
第1章 重要點
第2章 管理摘要
第3章 亞太地區的非現金付款和收益預測
- 非現金交易總額趨勢及預測
- B2B 非現金交易總額趨勢及預測
- 支付收入趨勢
- 依類型（商業和消費者）劃分的支付收入
- 新型支付和傳統支付在交易量中的佔比
- 支付收入佔比 (%)
第4章 中國:電子商務和數位付款的形勢
- B2C 電子商務市場概要
- 網路使用者數及網路普及率
- 網購用戶數及網路普及率
- 線上實體商品銷售額佔社會消費品零售總額的比重
- 以城鄉劃分的網路使用者總數
- 跨國網購前五大國家及國際消費者佔比
- 國際跨國網購佔比
- 中國商家近期跨境網購前三大來源市場
- 願意在網路上購買奢侈品和設計師產品而無需親眼看到
- 中國主要支付平台及支付生態系統
- 阿里巴巴人工智慧投資策略及平台整合概述
- 阿里巴巴淘寶和天貓平台上的微信支付可用日期
- 淘寶與天貓會員策略、人工智慧行銷及收入來源
- 生成式人工智慧、零售效率、消費者洞察及策略調整
- 人工智慧廣告阿里巴巴、騰訊和京東的策略
- 支付寶 Tap!用戶成長、生態系統投資以及人工智慧驅動的醫療保健的擴張
- BNPL 市場成長、領先平台與產業整合
- 中國數位消費趨勢與支付偏好
- 行動上網用戶及普及率
- 直播用戶及網路用戶普及率
- 依年齡層劃分的新網路使用者比例
- 行動錢包普及率和不斷變化的電商支付偏好
- 早期採用者消費者對生成式人工智慧購物工具的功能性使用
- 習慣的改變、支出的增加、科技驅動的便利
- 創新與監管塑造中國數位支付的未來
- 電子人民幣與微信：微信支付的興起重塑了全球支付生態系統
- 人民幣國際化、跨國支付基礎建設、出境旅遊
- 反壟斷執法、金融資料流指南、線上身分識別法規
- 數位身分識別改革及其對電商和支付
- 中國線上支付格局：支付方式、使用情況和成長
- 支付市場規模預測
- 以支付方式劃分的消費者交易佔有率
- 每日使用微信支付的消費者比例
- 微信支付和支付寶在行動支付領域的市場佔有率和生態系統滲透率
- 成年消費者中行動錢包的滲透率
- 行動錢包擁有量與使用情況
- 行動錢包滲透率、數位基礎設施和消費者採用率
- 線上支付使用情況的發展與使用者滲透率
- 銀行卡交易量
- 金融卡交易量
- 信用卡和簽帳卡交易量
- 透過收購和全球合作促進跨國支付的成長
- 支付寶和微信支付的全球擴張和跨國使用趨勢
第五章 概述：2025年中國數位支付格局的策略演變
簡介目錄
Product Code: 1694
China's Digital Payment Revolution: Strategic Shifts and Global Implications Unveiled by yStats.com.
Drawing from the latest 2025 data, the report highlights China's continued leadership in mobile wallet adoption, cross-border integration, and AI-driven platform innovation. The findings reveal how dominant players such as Alipay, WeChat Pay, JD.com, and Alibaba are not only reshaping China's domestic market, but also extending their influence globally through strategic partnerships, AI integration, and digital finance innovation.
"China is no longer just a domestic digital powerhouse - it is setting benchmarks that the rest of the world is watching," said Yucel Yelken, Founder & CEO of yStats.com. "Our latest report offers essential strategic context for global companies navigating the convergence of payments, e-commerce, and AI in one of the most complex and dynamic markets."
Key insights from the report include:
- Mobile wallets now account for the vast majority of digital transactions in China, driven by integrated ecosystems combining payments, social media, shopping, and public services.
- Alibaba and JD.com have invested heavily in AI infrastructure and instant delivery, with Alibaba's 88VIP loyalty program surpassing 50 million members.
- The digital yuan (e-CNY) has reached over USD 7.3 trillion in cumulative transaction volume, now used across more than 29 cities, including for transport, healthcare, and public services.
- WeChat Pay and Alipay are expanding internationally, with mobile payments accepted across 20+ countries through partnerships with platforms like Stripe.
- China's 2025 digital finance reforms are reshaping the ecosystem, targeting platform interoperability, data transparency, and enhanced consumer protection.
Table of Contents
1. Key Takeaways
2. Management Summary
3. Asia-Pacific Non-Cash Payments and Revenue Outlook
- Total Non-cash Transactions Volume, in volume billions, 2018 & 2021 - 2024e & 2028f
- Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021 - 2024e & 2028f
- Payments Revenue Value, in USD trillion, 2013, 2018, 2020 - 2023
- Payments Revenue by Type, Commercial & Consumer in %, 2018 & 2023
- Payment Mix of New vs Traditional Payments, in % of Transaction Volume, 2023
- Share of Payment Revenue Value, in %, 2027f
4. China: E-Commerce and Digital Payments Landscape
- 4.1. B2C E-Commerce Market Overview
- Number of Internet Users, in millions and Internet Penetration, in %, December 2020 - December 2024
- Number of Online Shoppers, in millions, and Internet Penetration, in %, December 2020 - December 2024
- Share of Online Physical Goods Sales, in % of Total Retail Sales of Consumer Goods, Q1 2025
- Breakdown of Total Internet Users by Urban & Rural Areas, in %, Dec. 2023 & Dec. 2024
- Top 5 Global Origins for Cross-Border Online Purchases, % of International Shoppers, 2024
- Share of International Cross-Border Online Purchases, in %, 2018-2024
- Top 3 Source Markets for Most Recent Cross-Border Online Purchase by Chinese Shop., in %, 2024
- Willingness to Purchase Luxury or Designer Products Online Without Seeing Them First, in %, 2024
- 4.2. Leading Platforms and Payment Ecosystems in China
- Overview of Alibaba's AI Investment Strategy and Platform Integration, June 2025
- WeChat Pay Availability on Alibaba's Taobao and Tmall Platforms, June 2025
- Taobao and Tmall's Membership Strategy, AI Marketing, and Revenue Drivers, June 2025
- Generative AI, Retail Productivity, Consumer Insights, Strategic Adaptation, June 2025
- AI-Powered Advertising Strategies of Alibaba, Tencent, and JD.com, May 2025
- Alipay Tap!'s User Growth, Ecosystem Investment, and AI-Driven Healthcare Expansion, June 2025
- BNPL Market Growth, Key Platforms, and Sectoral Integration, June 2025
- 4.3. Digital Consumer Trends and Payment Preferences in China
- Number of Mobile Internet Users, in million, and Penetration, in % of Internet Users, December 2020 - December 2024
- Number of Livestream Users, in million, and Penetration, in % of Internet Users, December 2020 - December 2024
- Share of New Internet Users by Age Group, in %, H1 2024
- Mobile Wallet Penetration and Shifting E-Commerce Payment Preferences, June 2025
- Functional Use of Generative AI Shopping Tools Among Early-Adopting Consumers, August 2024
- Shifting Habits, Rising Spending, and Tech-Driven Convenience, June 2025
- 4.4. Innovation and Regulation Shaping China's Digital Payment Future
- Rise of e-CNY and WeChat Pay in Reshaping Global Payment Ecosystems, June 2025
- Yuan Internationalization, Cross-Border Payment Infrastructure, and Outbound Tourism, June 2025
- Antitrust Enforcement, Financial Data Flow Guidelines, and Online Identity Regulation, June 2025
- Digital ID Reforms and their Implications for E-Commerce and Payments, June 2025
- 4.5. China's Online Payment Landscape: Methods, Usage, and Growth
- Forecasted Payment Market Size, in USD trillions, 2025e & 2030f
- Share of Consumer Transactions by Payment Method, in %, 2024
- Share of Consumers Using WeChat Pay Daily, in %, 2023
- WeChat Pay & Alipay Market Share in % and Ecosystem Penetration in Mobile Payments, 2023
- Mobile Wallet Penetration among Adult Consumers, in %, Q2 2023
- Mobile Wallet Ownership and Usage, in %, Q2 2023
- Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, June 2025
- Development of Online Payment Usage and User Penetration, December 2020 - December 2024
- Card Transaction Value, in USD trillion, 2024 & 2028f
- Debit Card Transaction Value, in CNY trillions, 2020 - 2028f
- Credit and Charge Card Transaction Value, in CNY trillions, 2020 - 2028f
- Growth of Cross-Border Payments via Acquisitions and Global Partnerships, June 2025
- Alipay and WeChat Pay Global Expansion and Cross-Border Usage Trends, June 2025
