▶ 調査レポート

デジタル決済の世界市場2021-2026:成長・動向・新型コロナの影響・市場予測

• 英文タイトル:Digital Payments Market - Growth, Trends, COVID-19 Impact, and Forecasts (2021 - 2026)

Mordor Intelligenceが調査・発行した産業分析レポートです。デジタル決済の世界市場2021-2026:成長・動向・新型コロナの影響・市場予測 / Digital Payments Market - Growth, Trends, COVID-19 Impact, and Forecasts (2021 - 2026) / MRC2106A420資料のイメージです。• レポートコード:MRC2106A420
• 出版社/出版日:Mordor Intelligence / 2021年5月30日
• レポート形態:英文、PDF、120ページ
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レポート概要
本調査資料は、世界のデジタル決済市場について調査し、イントロダクション、調査手法、エグゼクティブサマリー、市場動向、決済別(POS、オンライン販売)分析、産業別(小売、エンターテインメント、医療、病院、その他)分析、地域別分析、競争状況、投資分析、市場の将来などを掲載しています。
・イントロダクション
・調査手法
・エグゼクティブサマリー
・市場動向
・世界のデジタル決済市場規模:決済別(POS、オンライン販売)
・世界のデジタル決済市場規模:産業別(小売、エンターテインメント、医療、病院、その他)
・世界のデジタル決済市場規模:地域別
・競争状況
・投資分析
・市場の将来

The transaction value for the Global Digital Payments Market was USD 5.44 trillion in 2020, and it is projected to be worth USD 11.29 trillion by 2026, registering a CAGR of 11.21% during the period of 2021-2026. The global nature of COVID-19 and its impact on e-commerce therefore is likely to encourage strengthened international cooperation and the further development of policies for online purchases and supply. The pandemic has made it clear that e-commerce can be an important tool/solution, especially considering the fact that the e-commerce sales can support small and medium businesses, that form backbone for certain economies. This is expected to substantially spur the growth of digital payment methods across various economies.

– Further, even before the pandemic, the demand for cashless payments, was driven by greater convenience, favorable government policies, and evolving consumer behavior. The governments are also trying to reduce their cost of printing the currencies and counter the fake currency influx that disturbs the economic growth, with digitization, thereby, creating an environment conducive for cashless and digital payments.
– Furthermore, the rapid rise in smartphone penetration across emerging economies, primarily in the Asia-Pacific region, is expected to have a positive impact on the market growth. Additionally, the introduction of mobile wallets across the world, wherein a consumer is asked to add money to the application and use it later within, or outside of, the merchant (if applicable), is rapidly propelling the adoption of digital payment services.
– Furthermore, China is spending highly on payment services. For example, WeChat Pay allows a customer to pay quickly through in-app service and connected banks and book hotels, flights, trains, and buy movie tickets. As per ITU, the internet penetration was the highest in Japan, in January 2019, i.e., 93.4%, which is expected to continue, owing to favorable government norms and associated regulations. Currently, India has a relatively low penetration rate, as compared to Japan and China. However, this is expected to increase, owing to the rising smartphone users and government pushing toward digital payment wallet services.
– Retail stores and services across the world are rapidly adopting and integrating mobile payment applications, such as PayPal, Samsung Pay, Apple Pay, AliPay, and WeChat Pay, to accept payments. Owing to changing lifestyles, daily commerce, and rapid growth in online retailing, this trend is expected to continue over the next six years.
– The increasing government initiatives, in order to promote the digital economy and curb the usage of cash, have resulted in increased transactions through e-wallets and point of sale machines. For instance, in July 2019, the Finance Ministry of India announced that no merchant discount rate (MDR) shall be imposed on merchants that allow their customers to make payments through ‘low-cost digital payment modes’. Such factors and above-mentioned trends are expected to aid in the growth of the market.

Key Market Trends
Healthcare Industry to Drive the Market Growth
– The major driving force for the adoption of digital payment in Hospitals is government’s efforts for improvement in infrastructure and the increasing number of patients, which leads to long queues. COVID-19 pandemic is proving to be an enabler for digital payments in healthcare industry.
– Moreover, with ageing population in several countries, having an easy-to-use digital payment method can a progressive step to encourage wider digital payment adoption across various age demographics.
– A survey conducted by Cedar, a patient payment and engagement platform for providers, on 1000 individuals found out that half of consumers are significantly frustrated with their provider’s billing and collections process, especially those that are not yet digital.
– Moreover, India-based Paytm was trying to create a payments mechanism especially for doctors to help them receive consultation fees using Paytm. This is because doctors don’t accept digital payments as they often visit multiple hospitals in a week and there is no reconciliation method for all the payments. Also, in February 2020, Sphere collaborated with VisitPay, to develop and launch a Text to Pay Solution in specific to the Healthcare sector.
– In a significant boost towards a cashless and chequeless society, DBS Bank was working with Singapore’s three public healthcare clusters, the National Healthcare Group (NHG), National University Health System (NUHS) and Singapore Health Services (SingHealth), to transition all public hospitals, specialty centres and polyclinics to the nation’s unified payment code, Singapore Quick Response Code (SGQR), by end 2020.

India to Account for the Most Significant Share in Asia Pacific
– Digital payments is a relatively new trend in India. However, it is growing at a fast pace due to favorable regulatory environment, infrastructure upgrades, high smartphone penetration, and subsidized data plans.
– The reason for high smartphone adoption is the launch of affordable phones by Chinese brands that offer flagship-grade features and capabilities. These brands’ target market is rural India, also, who are looking to upgrade their feature phones. Thus more Indians are relying on apps for facilities, such as grocery or fuel management. This is an enabler for mobile payments.
– Demonetization was a massive currency culling exercise taken up by the government in, which made 86% of the currency in circulation invalid. The step was taken to fight against black money, terror financing, and counterfeit currency. This was a major driving force for the adoption of digital payments. ​
– The Digital India program is a flagship program of the Government of India with a vision to transform India into a digitally empowered society. Ministry of Electronics & Information Technology (MeitY) is working on strengthening of Digital Payment infrastructure and creating awareness through promotions of digital payments. ​

Competitive Landscape
The Digital Payments Market is moderately concentrated. The competitive rivalry in the market studied is moderate, as a good number of players prevail. Despite the existence of several companies in the market studied, firms are required to keep innovating their products, in order to gain a sustainable competitive edge over their rivals and provide product differentiation.

– April 2020 – Amazon India plans to give zero-interest credit to customers to buy products on its platform or pay bills, partnering with lenders, like Capital Float and Karur Vysya Bank, for the initiative. The service will allow consumers to purchase essentials on Amazon’s platform.

Reasons to Purchase this report:
– The market estimate (ME) sheet in Excel format
– 3 months of analyst support

レポート目次

1 INTRODUCTION
1.1 Study Assumptions and Market Definition
1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS
4.1 Market Overview
4.2 Industry Stakeholder Analysis
4.3 Industry Attractiveness- Porter’s Five Forces Analysis
4.3.1 Threat of New Entrants
4.3.2 Bargaining Power of Buyers
4.3.3 Bargaining Power of Suppliers
4.3.4 Threat of Substitute Products
4.3.5 Intensity of Competitive Rivalry
4.4 Payments Infrastructure and Evolution of Payments Landscape
4.5 Regulatory Sandbox
4.5.1 Regulatory Landscape across the Globe
4.5.2 Business Models with Potential Regulatory Roadblocks
4.5.3 Scope for Development in lieu of Evolving Business Landscape
4.6 Impact of Covid-19 on the Market
4.7 Market Drivers
4.7.1 High Proliferation of Smartphones and Digital Initiatives
4.7.2 Favorable Changes in Regulatory Frameworks Across the Globe
4.8 Market Challenges
4.8.1 Operational Challenges Involving Cross-border Payments
4.9 Market Opportunities
4.10 Analysis of the Digital Payment Infrastructure

5 MARKET SEGMENTATION
5.1 Mode of Payment
5.1.1 Point of Sale
5.1.2 Online Sale
5.2 End User Industry
5.2.1 Retail
5.2.2 Entertainment
5.2.3 Healthcare
5.2.4 Hospitality
5.2.5 Other End User Industries
5.3 Geography
5.3.1 North America
5.3.2 Europe
5.3.3 Asia Pacific
5.3.4 Latin America
5.3.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE
6.1 Company Profiles*
6.1.1 PayPal Holdings Inc.
6.1.2 Visa Inc.
6.1.3 MasterCard Incorporated (MasterCard)
6.1.4 Amazon.com Inc.
6.1.5 Alphabet Inc.
6.1.6 Apple Inc.
6.1.7 CCAvenue (Avenues India Pvt. Ltd)
6.1.8 Paytm Mobile Solutions Private Limited
6.1.9 Stripe Inc.
6.1.10 Alipay.com Co. Ltd
6.1.11 First Data
6.1.12 Worldpay
6.1.13 ACI Worldwide

7 INVESTMENT ANALYSIS

8 FUTURE OF THE MARKET