亞太地區的數位付款 (2025年):付款方式·趨勢·消費者的變化

到2027年，亞太地區的行動錢包將超越銀行卡，人工智慧和法規加速支付創新

行動錢包成長迅速，但銀行卡和現金仍發揮重要作用

到2028年，亞太地區的非現金交易將達到1.5兆筆，預計到2027年，數位錢包將佔POS支付的66%，高於2023年的50%。在二維碼、超級應用和政府主導的舉措的推動下，中國、印尼和韓國正處於領先地位。同時，由於可靠的支付基礎設施和會員計劃，銀行卡在日本和澳洲依然保持強勁增長；而現金在香港、越南和馬來西亞仍然普遍使用，尤其是在線下消費。

人工智慧正在推動支付創新，但不同市場的採用情況各不相同

人工智慧正在透過防詐欺、信用評分、營運效率等方式改變支付方式。 Visa 已投資超過 30 億美元用於 Visa Protect 等人工智慧工具，以提高即時支付的安全性。東南亞企業預計，到 2027 年，人工智慧將使成本降低 7-9%，收入增加高達 9%，但不同市場的採用情況各不相同。

監理加強跨國支付互聯互通

印度的 UPI 擴展、中國的電子人民幣試點以及印尼的 QRIS 系統等舉措正在加強跨境和國內支付互聯互通。這些監管措施正在整合分散的支付系統，並為區域和全球商業創造新的機會。

本報告研究了亞太地區的數位支付市場，並總結了該地區及主要國家的非現金交易數量和支付金額的趨勢和預測、支付類型的細分以及人工智慧的採用趨勢及其影響。

目錄

第1章 重要點

第2章 管理摘要

第3章 亞太地區的數位付款相關洞察和AI的發展

• 非現金交易總額
• B2B 非現金交易總額
• 支付收入
• 2018 年和 2023 年按類型（商業和消費者）劃分的支付收入
• 2023 年新增支付與傳統支付在交易量中的比例
• 2023-2027 年 POS 機主要支付方式（佔交易量的百分比）
• 支付收入預測佔有率
• 電子商務和數位領域信貸普惠、財務自動化和採購人工智慧應用的機會增加支付
• 人工智慧在詐欺偵測、即時支付安全和生物辨識身分驗證中的應用
• 人工智慧整合、穩定幣卡、代幣化匯款以及小微型商家接入
• 人工智慧驅動型金融科技公司的融資：趨勢與預測
• 東南亞：人工智慧在電子商務和數位支付領域應用的驅動因素
• 東南亞：人工智慧/人工智慧帶來的平均成本降低
• 東南亞：人工智慧/人工智慧帶來的平均收入成長

第4章 中國的付款市場:概要，行動電子錢包的利用，消費者趨勢

• 行動錢包普及率、數位基礎設施和消費者採用率
• 成年消費者行動錢包普及率
• 行動錢包擁有率與使用率
• 2023年每日使用微信支付的消費者比例
• 市佔率和生態系滲透率微信支付和支付寶在行動支付的應用
• 2024年各支付方式的消費者交易佔有率
• 線上支付使用情形與使用者滲透率趨勢
• 2025年及2030年支付市場規模預測
• 銀行卡交易量：趨勢與預測
• 金融卡交易量：趨勢與預測
• 信用卡與簽帳卡交易量：趨勢與預測

第5章 日本的付款市場:概要，無現款引進，消費者喜好

• 銀行卡支付市場趨勢、現金使用、政府無現金政策目標
• 無現金支付方式細分
• 無現金支付比例
• 電子貨幣家庭普及率
• 2024年網路購物用戶網路交易付款方式細分
• 行動支付市場規模：實際與預測
• 即時交易量：實際值與預測值
• 銀行卡交易量：實際值與預測值
• 紙本支付佔比：實際值與預測值

第6章 印度的付款市場:概要，數位錢包的利用，電子商務付款

• 使用數位錢包進行線上和線下購物的消費者比例
• 行動錢包支付：實際值和預測值
• 即時交易的電子支付佔比
• 2024 年電商最常使用的線上付款方式
• 銀行卡交易量：實際值與預測值
• 2024 年 9 月線上信用卡交易占信用卡總消費的比例
• 線上信用卡消費佔比

第7章 韓國的付款市場:概要，手機付款，網路購物趨勢

• 智慧型手機擁有量2023 年
• 行動裝置數位交易佔有率
• Simple Payment 服務的每日使用量：實際值和預測值
• Simple Payment 服務的交易量
• Samsung Pay 在行動支付中的市場佔有率（佔總支付和麵對面支付的比例）
• 線上購物活動頻率
• B2C 電子商務支付：實際值與預測值
• 行動支付市場規模：實際值與預測值
• 銀行卡交易量：實際值與預測值

第8章 澳洲的付款市場:概要，卡交易，BNPL的優惠措施

• 行動電子錢包付款:實際成果·預測
• 卡交易額:實際成果·預測
• 認為 BNPL 是最具吸引力的電子商務支付方式的 Z 世代和 Y 世代消費者百分比

第9章 印尼的付款市場:概要，電子錢包的利用，加盟店付款趨勢

• 銀行卡交易量：實際值及預測值
• 行動支付市場規模：實際值及預測值
• 行動支付市場佔有率
• 行動支付市場佔有率
• 2023年各支付方式的消費者佔有率
• 使用電子錢包進行金融交易的消費者比例
• 商家接受的付款方式（商家比例）
• 商家觀察到的支付趨勢（商家比例）
• 2024年被視為對商業策略至關重要的支付措施（商家比例）

第10章 越南的付款市場:概要，電子錢包供應商，加盟店的引進

• 銀行卡交易量：實際值及預測值
• 主要電子錢包供應商的市場佔有率
• 商家接受的付款方式（商家百分比）
• 商家觀察到的支付趨勢（商家百分比）
• 2024 年被視為對商業策略至關重要的支付措施（商家百分比）

第11章 泰國的付款市場:概要，行動電子錢包的利用，加盟店的配合措施

• 行動錢包支付：現狀與預測
• 商家接受的付款方式（商家百分比）
• 商家觀察到的支付趨勢（商家百分比）
• 2024 年被視為對商業策略至關重要的支付措施（商家百分比）

第12章 新加坡的付款市場:概要，卡交易，加盟店的洞察

• 銀行卡交易量：歷史資料及預測
• 商家接受的付款方式（商家百分比）
• 商家觀察到的支付趨勢（商家百分比）
• 2024 年被視為對商業策略至關重要的支付措施（商家百分比）

第13章 菲律賓的付款市場:概要，卡交易，加盟店趨勢

• 銀行卡交易量：歷史資料及預測
• 商家接受的付款方式（商家百分比）
• 商家觀察到的支付趨勢（商家百分比）
• 2024 年被視為對商業策略至關重要的支付措施（商家百分比）商家）

第14章 馬來西亞的付款市場:概要，電子錢包的利用，卡交易

• 銀行卡交易量：歷史與預測
• 按購買類型劃分的消費者使用電子錢包的百分比：線上購物 vs. 外賣

第15章 香港的付款市場:概要，數位付款佔有率，市場趨勢

• 支付市場規模：歷史及預測
• 按付款方式劃分的市場佔有率：POS 機 vs. 線上銷售
• 線上交易的熱門數位支付方式（受訪者百分比）
• 營運本地化、消費者偏好、法規遵從性
• 支付整合、商家採用、數位創新

第16章 紐西蘭的付款市場:概要，卡交易，電子商務付款

• 卡交易額:實際成果·預測
• 電子商務市場上支付卡的佔有率

Mobile Wallets to Surpass Cards by 2027 Across Asia-Pacific, While AI and Regulation Drive Payment Innovation, yStats.com Reports

Mobile Wallets Surge, but Cards and Cash Stay Relevant

By 2028, non-cash transactions in Asia-Pacific are set to hit 1.5 trillion, with digital wallets making up 66% of POS payments by 2027, up from 50% in 2023. China, Indonesia, and South Korea lead this shift, thanks to QR codes, super-apps, and government initiatives. Still, cards hold strong in Japan and Australia due to trusted systems and loyalty programs, while cash remains widely used in Hong Kong, Vietnam, and Malaysia, especially for offline spending.

AI Drives Payment Innovation with Uneven Uptake

Artificial intelligence is reshaping payments, boosting fraud prevention, credit access, and operations. Visa has put over USD 3 billion into AI tools like Visa Protect to strengthen real-time payment security. Southeast Asian firms expect 7-9% cost savings and up to 9% revenue gains from AI by 2027, though adoption rates differ across markets.

Regulations Boost Cross-Border Payment Connectivity

Efforts like India's UPI expansion, China's e-CNY pilots, and Indonesia's QRIS system are improving cross-border and domestic payment links. These regulatory moves are streamlining fragmented systems and opening new opportunities for regional and global commerce.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Asia-Pacific Digital Payments Insights and AI Developments

• 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
• Top Point-of-Sales Payment Methods, in % of Transaction Value, 2023 - 2027f
• Share of Payment Revenue Value, in %, 2027f
• AI Applications in Credit Inclusion, Finance Automation, and Procurement, April 2025
• AI in Fraud Detection, Real-Time Payment Security, and Biometric Authentication, July 2025
• AI Integration, Stablecoin Cards, Tokenised Transfers, and Micro-Merchant Access, June 2025
• Funding for AI-Driven FinTech Companies, in USD billions, 2023-2025f
• SEA: Enablers of AI Adoption in E-Commerce and Digital Payments, April 2025
• SEA: Average Cost Reduction from AI/GenAI, in % of Total Costs, 2023 & 2027
• SEA: Average Revenue Growth from AI/GenAI, in % Revenue Growth, 2023 & 2027

4. China Payment Market Overview, Mobile Wallet Use, and Consumer Trends

• Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, June 2025
• Mobile Wallet Penetration among Adult Consumers, in %, Q2 2023
• Mobile Wallet Ownership and Usage, in %, Q2 2023
• Share of Consumers Using WeChat Pay Daily, in %, 2023
• WeChat Pay & Alipay Market Share in % and Ecosystem Penetration in Mobile Payments, 2023
• Share of Consumer Transactions by Payment Method, in %, 2024
• Development of Online Payment Usage and User Penetration, Dec. 2020 - Dec. 2024
• Forecasted Payment Market Size, in USD trillions, 2025e & 2030f
• 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

5. Japan Payment Market Overview, Cashless Adoption, and Consumer Preferences

• Card Payment Market Trends, Cash Usage, and Government Cashless Policy Targets, July 2025
• Breakdown of Cashless Payments by Method, in %, 2017 - 2024
• Cashless Payment Ratio, in %, 2017 - 2024
• Share of Household Adoption of E-Money, in %, 2023
• Breakdown of Online Shoppers by Payment Method for Internet Transactions, in %, 2024
• Mobile Payments Market Size, in USD billion, 2025 & 2030f
• Real-Time Transactions Volume, in billions, 2023 & 2028
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Paper-Based Payments, in %, 2023 & 2028f

6. India Payment Market Overview, Digital Wallet Use, and E-Commerce Payments

• Share of Consumers Using Digital Wallets for Online and In-Store Purchases, in %, 2023
• Mobile Wallet Payments, in USD trillion, 2024 & 2028f
• Share of Electronic Payments Conducted via Real-Time Transactions, in %, 2023
• Most Frequently Used Online Payment Methods for E-Commerce, in %, 2024
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Online Credit Card Transactions Within Total Card Spending, in %, September 2024
• Share of Online Credit Card Spending, in %, April 2024 - September 2024

7. South Korea Payment Market Overview, Mobile Payments, and Online Shopping Trends

• Share of Smartphone Ownership, in %, 2023
• Share of Digital Transactions via Mobile Devices, in %, 2023
• Daily Usage Volume of Simple Payment Services, in millions, 2022 & 2023
• Transaction Value of Simple Payment Services, in USD million, 2022 & 2023
• Samsung Pay Market Share in Mobile Payments, in % of Total and In-Person Payments, 2023
• Frequency of Online Shopping Activity, in %, 2024
• B2C E-Commerce Payment Value, in USD billion, 2024 & 2028f
• Mobile Payments Market Size, in USD billions, 2024 & 2033f
• Cards Transaction Value, in USD billion, 2024 & 2028f

8. Australia Payment Market Overview, Card Transactions, and BNPL Preferences

• Mobile Wallet Payments, in USD billion, 2024 & 2028f
• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Gen Z & Y Consumers Who Find BNPL Most Appealing for E-Commerce Payments, in %, 2024

9. Indonesia Payment Market Overview, E-Wallet Use, and Merchant Payment Trends

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Mobile Payments Market Size, in USD billions, 2025e & 2030f
• Mobile Payments Market Share, by Payment Type, in %, 2024
• Mobile Payments Market Share, by Application, in %, 2024
• Share of Consumers by Payment Method Used, in %, 2023
• Share of Consumers Using E-Wallets for Financial Transactions, in %, 2023
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

10. Vietnam Payment Market Overview, E-Wallet Providers, and Merchant Adoption

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Market Share of Leading E-Wallet Providers, in %, 2023
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

11. Thailand Payment Market Overview, Mobile Wallet Use, and Merchant Initiatives

• Mobile Wallet Payments, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

12. Singapore Payment Market Overview, Card Transactions, and Merchant Insights

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

13. Philippines Payment Market Overview, Card Transactions, and Merchant Trends

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Acceptance of Payment Methods Among Merchants, in % of Merchants, 2024
• Payment Trends Observed by Merchants, in % of Merchants, 2024
• Payment Initiatives Identified as Critical to Business Strategy, in % of Merchants, 2024

14. Malaysia Payment Market Overview, E-Wallet Use, and Card Transactions

• Cards Transaction Value, in USD billion, 2024 & 2028f
• Share of Consumers Using E-Wallets by Purchase Type (Online Shopping vs. Food Delivery), in %, 2024

15. Hong Kong Payment Market Overview, Digital Payment Share, and Market Trends

• Payment Market Size, in USD trillions, 2025e & 2030f
• Payment Market Share by Mode (Point of Sale vs. Online Sale), in %, 2024
• Top Digital Payment Methods for Online Transactions, in % of Respondents, 2023 & 2024
• Operational Localization, Consumer Preferences, and Regulatory Compliance, July 2025
• Payment Integration, Merchant Adoption, and Digital Innovation, July 2025

16. New Zealand Payment Market Overview, Card Transactions, and E-Commerce Payments

• Cards Transaction Value, in USD billion, 2023 & 2027f
• Share of Payment Cards in the E-Commerce Market, in %, 2023