デジタル決済の導入 - ASEAN市場の顧客の声：2020年

ASEAN地域では、消費者の87％が、他人との物理的な接触を避けるために、デジタル決済サービスの使用を開始または増加することを計画しています。利便性が、引き続きデジタル決済の使用の主要な促進要因になります。

当レポートでは、ASEAN地域におけるデジタル決済の導入について調査分析し、市場概要、消費者の選好、需要、成長機会などについて、体系的な情報を提供しています。

目次

戦略的必須事項

エグゼクティブサマリー

市場概要

• 市場概要 - タイ（TH）
• 市場概要 - マレーシア（MY）
• 市場概要 - インドネシア（ID）
• 市場概要 - フィリピン（PH）
• 市場概要 - シンガポール（SG）
• 市場概要 - 決済に対する地域の相互運用性
• 市場概要 - Eコマースチャネルと決済方法

デジタル決済サービス - 消費者の選好

• デジタル決済サービス - 消費者の選好
• デジタル決済サービス - 消費者の選好：ディスカッション

デジタル決済サービスに対する需要

• デジタル決済サービスに対する現在の需要
• パンデミック後のシナリオにおけるデジタル決済サービスに対する需要
• パンデミック後のシナリオにおけるデジタル決済サービスに対する需要 - ディスカッション
• パンデミック後のシナリオにおけるデジタル決済サービスに対する需要促進要因
• パンデミック後のシナリオにおけるデジタル決済サービスに対する需要促進要因 - ディスカッション

回答者の人口統計

• 年齢層
• 所得層

成長機会分野 - デジタル決済業界

• 成長機会1：便利で安全なソリューション
• 成長機会2：ソーシャルコマーストランザクションの決済ソリューション

まとめ

Convenient and Secure solutions are Key to Mass Adoption

The COVID-19 pandemic has profoundly impacted the lives of people around the world. Throughout 2020, local governments worked to restrict people's movement to contain the spread of the disease. Lockdowns greatly impacted the daily operations of several vertical industries and limited access to different types of goods and services. Moreover, as fear of the pandemic spread, people began to increasingly rely on digital channels to fulfill their needs and wants. This triggered a shift to the use of digital payments. A Frost & Sullivan study (June 2020) discovered that 62% of consumers in the ASEAN region plan to increase use of online payment services after the pandemic subsides, while 60% of consumers plan to increase use of digital wallet (eWallet) services in a post-pandemic scenario.

An astonishing 87% of consumers across the region plan to start or increase the use of digital payment services to avoid physical contact with other people. Convenience will remain a key driver for digital payment usage, as expressed by 89% of consumers across the ASEAN region. Another major demand-side requirement was security - 43% of consumers in Asia-Pacific expect businesses to protect their data. The use of technologies, such as artificial intelligence and biometrics, will be a key enabler for payment service providers to balance security and convenience.

The shift to national and regional payment interoperability commenced before the start of the year (2020). Local governments across the ASEAN region had initiated the move to national interoperability by providing the relevant payment infrastructure and enforcing the required standards. Meanwhile, regional industry collaborations were initiated by the private sector, most notably by companies based in Thailand and Singapore. Frost & Sullivan survey results revealed that interoperability is an important concept as 72% of consumers in the region are of the opinion that there are not enough merchants that accept digital payments. Interoperability will enable faster merchant acquisition processes and provide greater convenience for digital payment users.

This study is based on the data obtained from an online survey undertaken in June 2020. It is supported by extensive secondary research. Companies mentioned in this study include, but are not limited to, Bank of Ayudhya, Boost, Coins.ph, Dana Limited, DBS Bank Ltd (PayLah!), Fave, GCash, GoPay, Grab (GrabPay), Jenius, Kasikorn Bank, Krungthai Bank, Liquid Group, Maybank (QR Pay), OVO, PayMaya, Razorpay, Samsung Pay, Siam Commercial Bank, Touch N' Go Systems, Inc., True Money, Venmo, and VIA.

Countries covered include Thailand, Malaysia, Indonesia, the Philippines, and Singapore.

The target audience includes digital payment service providers looking for growth opportunities and companies seeking to expand by leveraging payment solutions. The understanding of consumer behavior in a post-pandemic scenario will help both segments.

Table of Contents

Strategic Imperatives

• Why is it Increasingly Difficult to Grow?
• The Strategic Imperative 8™
• The Impact of the Top Three Strategic Imperatives on the Digital Payments Industry
• Growth Opportunities Fuel the Growth Pipeline Engine™

Executive Summary

• Market Definitions
• Survey Objectives and Methodology
• Key Questions this Survey will Answer
• Key Findings

Market Overview

• Market Overview-Thailand (TH)
• Market Overview-Malaysia (MY)
• Market Overview-Indonesia (ID)
• Market Overview-The Philippines (PH)
• Market Overview-Singapore (SG)
• Market Overview-Regional Interoperability for Payments
• Market Overview-eCommerce Channels and Payment Methods

Digital Payment Services-Consumer Preferences

• Digital Payment Services-Consumer Preferences
• Digital Payment Services-Consumer Preferences (continued)
• Digital Payment Services-Consumer Preferences (continued)
• Digital Payment Services-Consumer Preferences: Discussion

Demand for Digital Payment Services

• Current Demand for Digital Payment Services
• Demand for Digital Payment Services in a Post-Pandemic Scenario
• Demand for Digital Payment Services in a Post-Pandemic Scenario (continued)
• Demand for Digital Payment Services in a Post-Pandemic Scenario- Discussion
• Demand Drivers for Digital Payment Services in a Post-Pandemic Scenario
• Demand Drivers for Digital Payment Services in a Post-Pandemic Scenario (continued)
• Demand Drivers for Digital Payment Services in a Post-Pandemic Scenario (continued)
• Demand Drivers for Digital Payment Services in a Post-Pandemic Scenario-Discussion
• Demand Drivers for Digital Payment Services in a Post-Pandemic Scenario-Discussion (continued)

Respondent Demographics

• Age Groups
• Income Groups

Growth Opportunity Universe-Digital Payments Industry

• Growth Opportunity 1: Convenient and Secure Solutions for Mass Adoption, 2020
• Growth Opportunity 1: Convenient and Secure Solutions for Mass Adoption, 2020 (continued)
• Growth Opportunity 2: Payment Solutions for Social Commerce Transactions, 2020
• Growth Opportunity 2: Payment Solutions for Social Commerce Transactions, 2020 (continued)

The Last Word

• Conclusion and Recommendations
• Three Big Predictions
• List of Exhibits
• Legal Disclaimer