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世界のペイメント市場の予測 (2017年)

IDC FutureScape: Worldwide Payments 2018 Predictions

発行 IDC 商品コード 345092
出版日 ページ情報 英文 20 Pages
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世界のペイメント市場の予測 (2017年) IDC FutureScape: Worldwide Payments 2018 Predictions
出版日: 2017年10月31日 ページ情報: 英文 20 Pages
概要

当レポートでは、企業の技術責任者に対する戦略的提言や36か月の計画プロセスなどについて取り上げています。

IDC FutureScapeの見解

エグゼクティブサマリー

IDC FutureScapeの予測

  • 外的活性因子のサマリー
  • 予測:技術バイヤーへの影響
    • 予測1:2020年までに世界の貿易金融の20%がブロックチェーン/分散型元帳技術を統合する
    • 予測2:誰がエクスペリエンスを「所有」するかが不確かな状態を受け、NFCを使用した世界のモバイルペイメントは2018年までには35%の増加に留まる
    • 予測3:2020年までに、ネット接続端末とIoTがペイメント市場の収益の100億米ドルを占める
    • 予測4:世界の政治的連携の大幅なシフトは、規制の努力がペイメントの変容を促進している銀行への支払操作にあまり影響は与えない
    • 予測5:2017年、銀行の10%が顧客に対し認識技術を提供して様々な端末での「音声ペイメント」を可能にしているが導入は遅い
    • 予測6:2019年までに金融機関は120億米ドル以上をペイメントシステムの変更に費やす
    • 予測7:世界的に、銀行の5%は前線での競争を諦め、「クラウド型バランスシート」を開発してフィンテックや競合社と顧客サービス提供のために連携する
    • 予測8:2020年までに、450億米ドルがブロックチェーンや分散型元帳アプリケーションおよびビジネスネットワークを可能にするために金融機関によって専門サービスに支出される
    • 予測9:2019年までにRTGSインフラが世界各地で大幅に変容し、アジア太平洋の市場の開発はほぼ完了する
    • 予測10:2018年までに、小売業者はデータを守り費用を無くすまたは削減するセキュアネットワークの代替品を追及する

技術バイヤーへの主な提言

外的活性因子:詳細

  • 関連性の保持:新たな参入者と製品が分断する金融業界
  • DX:ビジネスと社会を変える技術中心の転向
  • 企業の構造:改革と既存インフラの統合
  • プラットフォーム経済:規模に対する収益構造の戦い
  • どこでも何でも:コンピュータベースの知能の登場
  • 世界的な不安定さ:競争、パワー、リスク
  • 新たなリスクの性質:有害因子への防御と増加する規制コンプライアンス順守のための改革

参考資料

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目次
Product Code: US41798817
This IDC Financial Insights study presents the top 10 predictions for the worldwide payment market. Each prediction is shaped by a common set of key drivers that provides a planning tool for technology leaders and their line-of-business counterparts to use in their IT strategic planning efforts. The challenges of the industry today continue to be shaped by trying to match fintech innovations while resources are scarce and regulatory burdens persist.According to James Wester, research director, IDC Financial Insights, "Payments have always been challenging when it comes to technology strategy. It is a complex market with thin margins and incredible scale. The predictions offered in this IDC FutureScape for worldwide payments come from a combination of recent research coupled with decades of experience from the authors. The predictions are aimed at helping technology buyers understand the challenges facing the payment market as well as how to adjust their strategies to face those challenges."

IDC FutureScape Figure

Executive Summary

IDC FutureScape Predictions

  • Summary of External Drivers
  • Predictions: Impact on Technology Buyers
    • Prediction 1: In 2018, Financial Institutions Will Allocate $6 Billion to Internal Resources to Handle Transforming Their Payment Systems
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 2: In 2019, P2P Transactions Worth a Total of $6.0 Trillion Will Be Made Worldwide Using Mobile Devices
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 3: DLT-Based Networks Will Be Launched Within the Next 24 Months in 25% of Global Transaction Banks - in Particular, to Facilitate KYC, Accelerate Supply Chain Finance, and Drive SME Lending - But Blockchain Payment Systems Will Not Be a Priority Area
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 4: In 2018, More than $150 Billion Will Be Spent Through IoT and Connected Devices
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 5: By 2021, 75% of Enterprise Point-of-Sale Vendors Will Have Begun Significantly Re-Architecting Their Solutions to Meet Rising Expectations for Current Omni-Channel Capabilities and Customer Experience Expectations
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 6: Despite the Lack of an Equivalent Regulation to PSD2, by 2021, 90% of Non-European Banks Will Have Moved in a Similar Direction to European Banks in Terms of Sharing Data via APIs, But They Will Have Done So for Competitive Reasons Rather Than Regulatory Ones
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 7: Corporate Banks Will Invest 15-20% More in Big Data/Analytics in 2018 than in 2017 - $2.2 Billion in Total - in Their Efforts to Move from a Transactional to a Data-as-a-Service Business Model, Offering Real-Time and Predictive Analytics on Fraud, Compliance, and Scenario Modeling
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 8: By 2019, 70% of Standalone Mobile Payment Players Globally Will No Longer Exist in Their Current Form; Through Natural Evolution, Mergers, and Acquisitions, Mobile Payment Players That Are Showing Promise Today Will Have Transformed into Full-Fledged Financial Services Ecosystems
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 9: By 2021, All Major Payment Service Providers Will Interact with Digital Identity Marketplaces Used by Consumers and Businesses to Self-Govern Private Data Sharing and Use, Allowing Data to Be Uploaded for Payment Companies to Access via a Subscription Model
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 10: In 2020, 25% of Card-Issuing Banks Will Use Micro-Location for Enhanced Security Through a Combination of NFC and Beacons to Satisfy Mutlifactor Requirements to Secure Payments, Such as at POS and P2B
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance

Advice for Technology Buyers

External Drivers: Detail

  • Pace of Change: Technology Capabilities Enable Sustainable Change at the Speed of Digital Business
  • Platform Disruption: Unleashing Digital Innovation's Power of Scale
  • Accelerating DX: Technology-Centric Transformation Altering Business and Society
  • Innovation Impasse: Legacy Systems Constraining Transformation
  • New Nature of Risk: Innovation to Defend Against Bad Actors and Comply with Increasing Regulatory Compliance
  • Human Versus Machine: The Impact of AI and Automation
  • The Future Workforce: Global Demand for Digital Talent

Learn More

  • Related Research
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