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表紙：音声ベース決済の世界市場-2023年～2030年
市場調査レポート
商品コード
1372606

音声ベース決済の世界市場-2023年～2030年

Global Voice-Based Payments Market - 2023-2030
出版日: | 発行: DataM Intelligence | ページ情報: 英文 201 Pages | 納期: 約2営業日

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価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=157.53円
音声ベース決済の世界市場-2023年～2030年
出版日: 2023年10月18日
発行: DataM Intelligence
ページ情報: 英文 201 Pages
納期: 約2営業日
ご注意事項 :
本レポートは最新情報反映のため適宜更新し、内容構成変更を行う場合があります。ご検討の際はお問い合わせください。
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  • 目次
概要

概要

音声ベース決済の世界市場は、2022年に60億米ドルに達し、2023～2030年の予測期間中にCAGR 10.9%で成長し、2030年には137億米ドルに達すると予測されています。

人工知能に支えられた音声認識技術と自然言語処理技術の急速な発展により、音声ベースの対話の精度と信頼性が大幅に向上し、ユーザーは音声コマンドを使用して支払いをより簡単に行えるようになっています。音声ベース決済は、迅速かつ効果的なビジネス手段を提供します。ユーザーは、購入や送金を完了するコマンドを話すだけで、手入力やアプリやウェブサイトを操作する必要がなくなります。

例えば、2023年9月7日、インド国家支払公社（NPCI）は、Unified Payments Interface（UPI）プラットフォーム上で、会話による取引を含むいくつかの新しい支払いオプションを開始した！UPI、会話型請求書支払いなど、これらのサービスは、包括的で弾力性があり、持続可能なデジタル決済エコシステムを構築し、UPIの目標である月間1,000億件の取引をサポートすることを目的としています。

アジア太平洋では、スマートフォンの普及が急速に進んでいます。音声ベース決済はモバイル機器に依存することが多く、スマートフォンの普及はこの技術の成長にとって強力な基盤となっています。新興諸国では、数多くのデジタルウォレットや決済プラットフォームが広く受け入れられるようになり、強固なデジタルエコシステムが構築されています。

力学

オンラインショッピングでの利用拡大

音声ベース決済は、ハンズフリーで摩擦のないショッピング体験を提供します。両手がふさがっているときやマルチタスクのときに特に便利です。音声ベース決済は、多くの場合、手入力や複数の画面をクリックするよりも速いです。買い物客は素早く買い物を済ませることができ、オンライン注文の完了にかかる時間の短縮につながります。

例えば、2021年9月14日、オンライン・オフライン商取引向けのハードウェアに依存しない音波技術ソリューションのプロバイダーであるToneTagは、インド準備銀行（RBI）の小売決済のサンドボックスにおける最初のコホートを成功裏に完了しました。この取り組みにおいて、ToneTagは、特にインターネット接続が不安定な地域において、フィーチャーフォンとスマートフォンの両方を使用したオフライン音声ベース決済のテストを実施しました。

政府の取り組み

各国政府は、金融取引のセキュリティを優先しています。音声生体認証や多要素認証などの高度なセキュリティメカニズムを音声ベース決済ソリューションに組み込むことで、ユーザーの金融情報や取引を保護することができます。音声ベース決済は、給付金や補助金の分配を含む政府の業務を迅速化し、公共サービス提供の効果を向上させ、官僚主義を削減することができます。

例えば、インドは2023年8月22日、都市部と農村部のデジタルデバイドを埋めるため、音声ベースとオフラインのデジタル決済を導入し、ユニバーサル・ペイメント・インターフェース（UPI）システムを拡大する予定です。インド準備銀行は音声による決済の導入を計画しています。利用者はAIを搭載したシステムを使い、音声コマンドで決済を行うことができるようになります。この機能はまずヒンディー語と英語で提供され、デジタル決済へのアクセシビリティの向上を目指しています。

デジタル決済の利用拡大

音声ベース決済では、ユーザーは支払い情報を入力したり手入力したりすることなく、簡単かつ迅速にデジタル取引を行うことができます。利用者は音声だけで支払いを承認することができます。体の不自由な人や、タッチスクリーンやキーボードでの入力を含む従来のデジタル決済方法を利用するのが困難な人は、音声ベース決済がより利用しやすいと感じるかもしれないです。

例えば、2021年5月11日、インドにおけるデジタル決済の利用を促進するため、IITマドラス校とインドモバイル決済フォーラム（MPFI）は共同で、特に様々な現地語による音声ベースのソリューションの開発に取り組んでいます。このプログラムは、研究の可能性も提供しています。インドでは現在、UPIの月間アクティブユーザーが1億人を超えています。MPFIの目標は、2025年までに5億人のアクティブユーザーをUPI決済プラットフォームに乗せることです。

強固なセキュリティと決済エラー

音声ベース決済で最も懸念されるのはセキュリティです。音声記録はなりすましや盗用が可能であり、不正な取引につながる可能性があります。こうしたリスクを軽減するためには、生体認証（音声バイオメトリクス）と強固なセキュリティ対策が不可欠です。音声データを決済に利用する場合、プライバシーに関する懸念が生じる。利用者は、たとえセキュリティ目的であっても、自分の音声記録が保存されたり共有されたりすることを不快に思うかもしれないです。明確なプライバシー政策とユーザー同意の仕組みは極めて重要です。

音声認識技術は完璧ではないです。訛り、方言、背景雑音、発話障害などが誤認識の原因となり、決済取引に誤りが生じる可能性があります。また、音声ベース決済に関する業界標準が存在しないため、断片化や相互運用性の問題が生じています。異なるプラットフォームやプロバイダー間での一貫性を確保するためには、標準化の取り組みが必要です。

目次

第1章 調査手法と調査範囲

第2章 定義と概要

第3章 エグゼクティブサマリー

第4章 市場力学

  • 影響要因
    • 促進要因
      • オンラインショッピングの利用拡大
      • 政府の取り組み
      • デジタル決済の利用拡大
    • 抑制要因
      • 強固なセキュリティと決済ミス
    • 影響分析

第5章 業界分析

  • ポーターのファイブフォース分析
  • サプライチェーン分析
  • 価格分析
  • 規制分析
  • ロシア・ウクライナ戦争の影響分析
  • DMI意見

第6章 COVID-19分析

第7章 コンポーネント別

  • ソフトウェア
  • ハードウェア

第8章 企業規模別

  • 大企業
  • 中小企業

第9章 エンドユーザー別

  • BFSI
  • 自動車
  • 医療
  • 小売
  • 政府機関
  • その他

第10章 地域別

  • 北米
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • ドイツ
    • 英国
    • フランス
    • イタリア
    • ロシア
    • その他の欧州
  • 南米
    • ブラジル
    • アルゼンチン
    • その他の南米
  • アジア太平洋
    • 中国
    • インド
    • 日本
    • オーストラリア
    • その他のアジア太平洋
  • 中東・アフリカ

第11章 競合情勢

  • 競合シナリオ
  • 市況/シェア分析
  • M&A分析

第12章 企業プロファイル

  • NCR Corporation
  • Amazon.com, Inc.
  • PayPal Holdings, Inc.
  • PCI Pal
  • Vibe Pay Limited
  • Alibaba Cloud International
  • Cerence, Inc.
  • Google LLC
  • Huawei Technologies Co., Ltd.
  • Paysafe Holdings UK Limited

第13章 付録

目次
Product Code: ICT7336

Overview

Global Voice-Based Payments Market reached US$ 6.0 billion in 2022 and is expected to reach US$ 13.7 billion by 2030, growing with a CAGR of 10.9% during the forecast period 2023-2030.

The accuracy and dependability of voice-based interactions have substantially increased due to the rapid growth of voice recognition and natural language processing technologies, backed by artificial intelligence, making it simpler for users to make payments using voice commands. Voice-based payments provide a quick and effective means of conducting business. Users can simply speak a command that completes a purchase or transfer funds eliminating the need for manual input or navigating through apps and websites.

For instance, on 7 September 2023, The National Payments Corporation of India (NPCI) launched several new payment options on Unified Payments Interface (UPI) platform, including conversational transactions and these offerings, including Credit Line on UPI, UPI LITE X, Tap & Pay, Hello! UPI and Conversational Bill Payments, aim to create an inclusive, resilient and sustainable digital payments ecosystem and support UPI's goal of reaching 100 billion transactions per month.

Asia-Pacific has seen a rapid increase in smartphone adoption. Voice-based payments often rely on mobile devices and the widespread use of smartphones provides a strong foundation for the growth of this technology. countries have witnessed the development of robust digital ecosystems, with numerous digital wallets and payment platforms becoming widely accepted and these platforms can integrate voice-based payment capabilities seamlessly, making it convenient for users.

Dynamics

Growing Use in Online Shopping

Voice-based payments offer a hands-free and frictionless shopping experience. Customers can simply use their voice to make purchases, which can be especially convenient when their hands are occupied or when they are multitasking. Voice-based transactions are often faster than manual typing or clicking through multiple screens. Shoppers can complete their purchases quickly which leads to reduce the time it takes to complete an online order.

For instance, on 14 September 2021, ToneTag, a provider of hardware-agnostic sound wave technology solutions for online and offline commerce, successfully completed the first cohort under the Reserve Bank of India's (RBI) sandbox for retail payments. In this initiative, ToneTag conducted tests of offline voice-based payments using both feature phones and smartphones, particularly in areas with unreliable internet connectivity.

Government Initiatives

Governments prioritize the security of financial transactions. Advanced security mechanisms, such as speech biometrics and multi-factor authentication, can be incorporated into voice-based payment solutions to safeguard users' financial information and transactions. Voice-based payments can speed government operations including the distribution of benefits and subsidies, which can improve the effectiveness of providing public services and reduce bureaucracy.

For instance, on 22 August 2023, India is set to expand its Universal Payments Interface (UPI) system by introducing voice-based and offline digital payments to bridge the digital divide between urban and rural areas. with approximately 350 million people using it for various transactions. Reserve Bank of India is planning to introduce voice-based payments. Users will be able to use AI-powered systems to make payments via voice commands and this functionality, which will first be offered in Hindi and English, seeks to improve accessibility for digital payments.

Growing Use of Digital Payments

With voice-based payments, users may make digital transactions easily and quickly without having to type or manually enter payment information. Users can just use their voice to authorize payments. People with impairments or others who would have trouble utilizing more conventional digital payment methods, including typing on a touchscreen or keyboard, may find voice-based purchases to be more accessible.

For instance, on 11 May 2021, In order to boost the use of digital payments in India, IIT-Madras and the Mobile Payment Forum of India (MPFI) are working together to develop voice-based solutions, notably in a variety of vernacular languages. It program also provides research possibilities. There are currently more than 100 million monthly active UPI users in India. MPFI's goal is to bring 500 million active users onto UPI payment platforms by 2025.

Robust Security and Errors in Payment

Security is a primary concern with voice-based payments. Voice recordings can be spoofed or stolen, potentially leading to unauthorized transactions. Biometric authentication (voice biometrics) and robust security measures are essential to mitigate these risks. The use of voice data for payments raises privacy concerns. Users may be uncomfortable with their voice recordings being stored or shared, even for security purposes. Clear privacy policies and user consent mechanisms are crucial.

Voice recognition technology is not infallible. Accents, dialects, background noise and speech impediments can lead to misinterpretation, resulting in errors in payment transactions and there is a lack of industry standards for voice-based payments, leading to fragmentation and interoperability issues. Standardization efforts are needed to ensure consistency across different platforms and providers.

Segment Analysis

The global voice-based payments market is segmented based on component, enterprise size, end-user and region.

Adoption of Voice-Based Payment Software

The likelihood of fraud and unauthorized access is decreased by adding an additional layer of security to voice-based payments using voice biometrics and multi-factor authentication techniques. Since voice-based payment options are frequently integrated into mobile banking apps and digital wallets.

Customers who already use these programs for other financial activities may access them quickly. User experience is becoming a higher priority for businesses when developing payment systems. Voice-based payments offer a user-friendly and intuitive interface that can enhance customer satisfaction.

For instance, on 21 September 2023, Amazon announced the incorporation of radio-frequency identification (RFID) tags into its biometric-based Just Walk Out retail stores, focusing on soft goods and this move aims to replicate the frictionless shopping experience seen in packaged goods. Initially tested during the Seattle Kraken's ice hockey season at the Climate Pledge Arena, this technology will be expanded to the NFL's Seattle Seahawks' 2023-2024 season at Lumen Field Just Walk Out stores.

Geographical Penetration

Regional Adoption in Voice-Based Platform

In order to protect user information and transactions, voice-based payment platforms have added strong security mechanisms including voice biometrics and tokenization. In order to make using these payment methods more easy for customers, many merchants in North America are investigating voice-based payment solutions as part of their in-store and online payment services.

For instance, on 1 May 2023, Stripe, a financial infrastructure platform, partnered with Microsoft to enable North American businesses to accept payments directly within Microsoft Teams and this integration, called Teams Payments, allows meeting hosts to accept real-time card payments during virtual appointments, classes, events and more. Businesses can also require advance payment through Stripe for access to Teams sessions.

Competitive Landscape

The major global players in the market include: NCR Corporation, Amazon.com, Inc., PayPal Holdings, Inc., PCI Pal, Vibe Pay Limited, Alibaba Cloud International, Cerence, Inc., Google LLC, Huawei Technologies Co., Ltd. and Paysafe Holdings UK Limited.

COVID-19 Impact Analysis:

The pandemic accelerated the shift towards contactless payments to minimize physical contact with payment terminals. Voice-based payments offer a hands-free and contactless payment option, aligning with the need for hygiene and safety. Many individuals and businesses became more cautious about handling cash during the pandemic due to concerns about the virus's spread. Voice-based payments, along with other digital payment methods, provided an alternative to cash transactions.

With lockdowns and restrictions in place, e-commerce experienced significant growth during the pandemic. By enabling customers to make purchases with a straightforward voice command, voice-based payments can increase the convenience of online purchasing as there was a surge in the use of digital payments for different transactions, such as bill payments and online shopping, as more people migrated to remote employment and digital services. Voice-based payments catered to this growing demand for digital solutions.

Voice commerce, where users can shop and make payments using voice commands, gained traction during the pandemic. Retailers and e-commerce platforms explored voice-based shopping experiences to serve customers more conveniently. Voice assistants like Amazon Alexa and Google LLC Assistant saw increased usage during lockdowns as people turned to them for entertainment, information and shopping and this increased familiarity with voice interactions extended to voice-based payments.

AI Impact

AI-driven voice recognition technology has become more accurate and capable of understanding natural language, dialects and accents, this improvement ensures that voice-based payment systems can accurately process user commands. AI plays a crucial role in securing voice-based payments. Voice biometrics, a form of AI, is used to verify users' identities by analyzing unique vocal patterns, making payments more secure and reducing the risk of fraud.

AI-driven biometric authentication methods, including voice recognition, enhance payment security. Users' voices serve as a secure means of identity verification, reducing the reliance on passwords or PINs. AI algorithms can analyze user preferences and behavior to provide personalized payment recommendations and this personalization enhances the user experience and can lead to increased adoption of voice-based payments.

For instance, on 7 September 2023, Indian supply chain finance platform KredX has partnered with Mastercard to streamline B2B digital payments. It collaboration will integrate Mastercard's commercial card service with KredX's platform, simplifying B2B payments made via cards. KredX's platform, powered by artificial intelligence (AI), provides features such as dynamic discounting, early payment and price discovery to improve cash flows and enhance supply chain management for businesses.

Russia-Ukraine War Impact

The conflict may create geopolitical uncertainty, impacting the global economy and financial markets. Uncertainty can influence investment decisions and overall economic stability, which can indirectly affect FinTech companies, including those offering voice-based payment solutions. The war can lead to fluctuations in currency exchange rates, affecting international transactions and cross-border payments.

Supply chain disruptions caused by the conflict can impact the availability of hardware components and devices required for voice-based payment systems and this could lead to delays in product development and deployment. The conflict may raise concerns about data security and privacy, especially when voice-based payments involve cross-border data transfers. FinTech companies may need to enhance their security measures to address potential threats.

By Component

  • Software
  • Hardware

By Enterprise Size

  • Large Enterprises
  • Small & Medium Enterprises

By End-User

  • BFSI
  • Automotive
  • Healthcare
  • Retail
  • Government
  • Others

By Region

  • North America
    • U.S.
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • France
    • Italy
    • Russia
    • Rest of Europe
  • South America
    • Brazil
    • Argentina
    • Rest of South America
  • Asia-Pacific
    • China
    • India
    • Japan
    • Australia
    • Rest of Asia-Pacific
  • Middle East and Africa

Key Developments

  • In February 2023, Ubona Technologies introduced a groundbreaking payment solution called "123 UPI," based on speech recognition technology and this innovative system enables users, whether they have feature phones or smartphones, to conduct digital payments in their preferred Indian languages. Undergo a one-time registration guided by an automated Interactive Voice Response (IVR) system and can subsequently conduct secure payment transactions over the phone.
  • In September 2021, VibePay, a social payment initiation service, introduced account-to-account voice-activated payments in Europe, becoming the first to offer this feature in the region. Users on iOS can now use Siri to make payments or request payments from others directly, with transactions occurring instantly between UK bank accounts at no cost and this move aligns with VibePay's mission to change the way consumers and businesses engage with payments.
  • In March 2023, Worldline launched VABOX (Voice Alert Box) to provide instant payment voice alerts for merchants in India and this sleek and robust device is being introduced through Worldline's partner banks, including Axis Bank, Kotak Mahindra Bank, Punjab National Bank, Union Bank of India and others. In the initial phase, Worldline India plans to roll out half a million VABOX devices that will offer instant voice alerts for QR-code-based payments.

Why Purchase the Report?

  • To visualize the global voice-based payments market segmentation based on component, enterprise size, end-user and region, as well as understand key commercial assets and players.
  • Identify commercial opportunities by analyzing trends and co-development.
  • Excel data sheet with numerous data points of voice-based payments market-level with all segments.
  • PDF report consists of a comprehensive analysis after exhaustive qualitative interviews and an in-depth study.
  • Product mapping available as excel consisting of key products of all the major players.

The global voice-based payments market report would provide approximately 61 tables, 58 figures and 201 Pages.

Target Audience 2023

  • Manufacturers/ Buyers
  • Industry Investors/Investment Bankers
  • Research Professionals
  • Emerging Companies

Table of Contents

1. Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Definition and Overview

3. Executive Summary

  • 3.1. Snippet by Component
  • 3.2. Snippet by Enterprise Size
  • 3.3. Snippet by End-User
  • 3.4. Snippet by Region

4. Dynamics

  • 4.1. Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. Growing Use in Online Shopping
      • 4.1.1.2. Government Initiatives
      • 4.1.1.3. Growing Use of Digital Payments
    • 4.1.2. Restraints
      • 4.1.2.1. Robust Security and Errors in Payment
    • 4.1.3. Impact Analysis

5. Industry Analysis

  • 5.1. Porter's Five Force Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis
  • 5.5. Russia-Ukraine War Impact Analysis
  • 5.6. DMI Opinion

6. COVID-19 Analysis

  • 6.1. Analysis of COVID-19
    • 6.1.1. Scenario Before COVID
    • 6.1.2. Scenario During COVID
    • 6.1.3. Scenario Post COVID
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. By Component

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 7.1.2. Market Attractiveness Index, By Component
  • 7.2. Software*
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Hardware

8. By Enterprise Size

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 8.1.2. Market Attractiveness Index, By Enterprise Size
  • 8.2. large Enterprises*
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Small & Medium Enterprises

9. By End-User

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 9.1.2. Market Attractiveness Index, By End-User
  • 9.2. BFSI*
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. Automotive
  • 9.4. Healthcare
  • 9.5. Retail
  • 9.6. Government
  • 9.7. Others

10. By Region

  • 10.1. Introduction
    • 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
    • 10.1.2. Market Attractiveness Index, By Region
  • 10.2. North America
    • 10.2.1. Introduction
    • 10.2.2. Key Region-Specific Dynamics
    • 10.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 10.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 10.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.2.6.1. U.S.
      • 10.2.6.2. Canada
      • 10.2.6.3. Mexico
  • 10.3. Europe
    • 10.3.1. Introduction
    • 10.3.2. Key Region-Specific Dynamics
    • 10.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 10.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 10.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.3.6.1. Germany
      • 10.3.6.2. UK
      • 10.3.6.3. France
      • 10.3.6.4. Italy
      • 10.3.6.5. Russia
      • 10.3.6.6. Rest of Europe
  • 10.4. South America
    • 10.4.1. Introduction
    • 10.4.2. Key Region-Specific Dynamics
    • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.4.6.1. Brazil
      • 10.4.6.2. Argentina
      • 10.4.6.3. Rest of South America
  • 10.5. Asia-Pacific
    • 10.5.1. Introduction
    • 10.5.2. Key Region-Specific Dynamics
    • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.5.6.1. China
      • 10.5.6.2. India
      • 10.5.6.3. Japan
      • 10.5.6.4. Australia
      • 10.5.6.5. Rest of Asia-Pacific
  • 10.6. Middle East and Africa
    • 10.6.1. Introduction
    • 10.6.2. Key Region-Specific Dynamics
    • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Enterprise Size
    • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

11. Competitive Landscape

  • 11.1. Competitive Scenario
  • 11.2. Market Positioning/Share Analysis
  • 11.3. Mergers and Acquisitions Analysis

12. Company Profiles

  • 12.1. NCR Corporation*
    • 12.1.1. Company Overview
    • 12.1.2. Product Portfolio and Description
    • 12.1.3. Financial Overview
    • 12.1.4. Key Developments
  • 12.2. Amazon.com, Inc.
  • 12.3. PayPal Holdings, Inc.
  • 12.4. PCI Pal
  • 12.5. Vibe Pay Limited
  • 12.6. Alibaba Cloud International
  • 12.7. Cerence, Inc.
  • 12.8. Google LLC
  • 12.9. Huawei Technologies Co., Ltd.
  • 12.10. Paysafe Holdings UK Limited

LIST NOT EXHAUSTIVE

13. Appendix

  • 13.1. About Us and Services
  • 13.2. Contact Us