日本のカードと決済：2027年までの機会とリスク

現金は主に低額決済に使用されています。しかし、キャッシュレス決済へのシフトにより、現金が決済全体に占める割合は徐々に低下しています。キャッシュレス決済を推進し、モバイルウォレットの普及を促進するため、日本では2023年4月以降、企業は通常のクレジット振込に加え、モバイルウォレットブランドを含む代替決済ソリューションを通じて従業員に給与を直接振り込むことができるようになっています。

交通サービスにおける非接触型カード決済の普及は、カード決済の成長を支えるとみられています。2023年8月、東京の公共交通システムは、渋谷発の田園都市線を皮切りに、地下鉄での非接触型決済システムを拡大し、2024年半ばまでに全線に拡大することを目指しています。これにより、通勤・通学客はクレジットカード、デビットカード、プリペイドカード、スマートフォンのQRコードによる非接触型決済を地下鉄の駅で利用できるようになります。

当レポートは、日本のカードと決済業界の市場動向について詳細に分析しています。市場における現金、カード、信用送金、小切手など、業界の主要なパフォーマンス指標の数値と数量を掲載しています。

また、同業界で運営されている様々なペイメントカード市場を分析し、レビュー期間中および予測期間におけるカード流通枚数、取引額、取引量に関する詳細情報を提供しています。また、発行会社やスキームの市場シェアなど、同国の競合情勢に関する情報も提供しています。

目次

• エグゼクティブサマリー
• 市場概要
• 決済手段
• カード決済
• 電子商取引決済
• 店舗内決済
• 後払い決済
• モバイル決済
• P2P決済
• 請求書による支払い
• 代替支払い
• 決済イノベーション
• 職務分析
• 決済インフラと規制

付録

GlobalData's 'Japan Cards and Payments: Opportunities and Risks to 2027' report provides detailed analysis of market trends in the Japanese cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, cards, credit transfer and cheques during the review-period (2019-23e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2023e-27). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData's 'Japan Cards and Payments: Opportunities and Risks to 2027' report provides top-level market analysis, information and insights into the Japanese cards and payments industry, including:

Current and forecast values for each market in the Japanese cards and payments industry, including debit and credit cards.

Detailed insights into payment instruments including cash, cards, credit transfer and cheques. It also, includes an overview of the country's key alternative payment instruments.

Ecommerce market analysis.

Analysis of various market drivers and regulations governing the Japanese cards and payments industry.

Detailed analysis of strategies adopted by banks and other institutions to market debit and credit cards.

Comprehensive analysis of consumer attitudes and buying preferences for cards.

The competitive landscape of the Japanese cards and payments industry.

Scope

Cash is largely used for low-value payments. However, cash is gradually losing its share of total payments due to the shift towards cashless payment methods. In a bid to promote cashless payments as well as to increase the adoption of mobile wallets, since April 2023 companies in Japan have been allowed to transfer salaries directly to their employees via alternative payment solutions, including mobile wallet brands, in addition to regular credit transfers.

The growing adoption of contactless card payments for transport services will support card payment growth. In August 2023, the Tokyo public transportation system expanded its contactless payment system in metro trains, starting with the Den-en-toshi Line from Shibuya, with the aim of expanding it across all lines by mid-2024. This enables commuters to make contactless payments using credit, debit, and prepaid cards as well as smartphone QR-code-based payments at metro stations.

The proliferation of digital-only banks has helped drive competition in banking, thus boosting debit card holding. In June 2023, digital-only bank Habitto went live. It offers a mobile-only savings account along with Visa debit cards. Meanwhile, digital-only bank Minna Bank is enabling its customers to open a bank account via its website or mobile banking app within a few minutes. They also receive a virtual debit card. To boost debit card usage, the bank is running its "Go! Go! 5x Cashback" campaign, offering discounts of up to 5% to premium customers and discounts of up to 1% for non-premium customers on debit card purchases at partner stores. Since its inception, the bank has served over 600,000 bank accounts.

Reasons to Buy

Make strategic business decisions, using top-level historic and forecast market data, related to the Japanese cards and payments industry and each market within it.

Understand the key market trends and growth opportunities in the Japanese cards and payments industry.

Assess the competitive dynamics in the Japanese cards and payments industry.

Gain insights into marketing strategies used for various card types in Japan.

Gain insights into key regulations governing the Japanese cards and payments industry.

Table of Contents

Table of Contents

• Executive Summary
• Market Overview
• Payment Instruments
• Card-Based Payments
• Ecommerce Payments
• In-Store Payments
• Buy Now Pay Later
• Mobile Payments
• P2P Payments
• Bill Payments
• Alternative Payments
• Payment Innovations
• Job Analysis
• Payment Infrastructure and Regulation

Appendix