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クレジットカード決済市場レポート:カードタイプ、プロバイダー、用途、地域別、2024~2032年Credit Card Payment Market Report by Card Type, Provider, Application, and Region 2024-2032 |
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クレジットカード決済市場レポート:カードタイプ、プロバイダー、用途、地域別、2024~2032年 |
出版日: 2024年04月08日
発行: IMARC
ページ情報: 英文 137 Pages
納期: 2~3営業日
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世界のクレジットカード決済市場規模は、2023年に6,444億米ドルに達しました。今後、IMARC Groupは、2024~2032年にかけての成長率(CAGR)は7%で、2032年には1兆2,006億米ドルに達すると予測しています。同市場は、オンラインショッピングへの嗜好の高まり、決済手段の利便性と柔軟性の向上への注目の高まり、より迅速で安全かつ利便性の高い決済を可能にする決済処理技術の進歩などにより、着実な成長を遂げています。
市場の成長と規模急速なデジタル化とともに、利便性の高い決済手段への需要が高まっており、市場は緩やかな成長を遂げています。
技術の進歩:非接触型決済の統合は、ユーザーエクスペリエンスの向上に貢献しています。また、バイオメトリクス認証方式は、クレジットカード取引のセキュリティ向上に役立っています。
産業への応用:クレジットカードは、エレクトロニクス、医療、旅行・観光など、さまざまな業界で広く利用されています。これらのカードは、国境を越えた取引や国際商取引を可能にする上でも極めて重要です。
地域別動向:便利で迅速な決済ソリューションへの注目が高まっていることから、北米が市場をリードしています。しかし、アジア太平洋は、個人のオンラインショッピング志向の高まりにより、急成長市場として浮上しています。
競合情勢:主要企業は、多要素認証の提供やデータ暗号化への投資により、セキュリティ対策を強化しています。
課題と機会:サイバーセキュリティの脅威などの課題に直面する一方で、セキュリティ対策の改善という機会にも遭遇しています。
今後の展望:クレジットカード決済市場の将来は、個人の利用体験を向上させることに重点が置かれるようになり、有望視されています。また、技術の進歩が市場の成長を促進すると予想されます。
利便性と柔軟性の向上への注目の高まり
利便性と柔軟性の向上への注目の高まりにより、クレジットカード決済の需要が拡大していることは、市場の展望を明るいものにしています。これに伴い、安全な決済方法を好む人が増えており、市場の成長に寄与しています。さらに、クレジットカードを使えば、オンラインでも実店舗でも簡単に買い物ができます。これに加えて、クレジットカードは多額の現金を持ち歩く必要をなくし、盗難や紛失の際の安全性を高めてくれるため、個人にとって魅力的な選択肢となっています。さらに、これらのカードは信用枠を提供するため、利用者は効率的に財政を管理することができます。これとは別に、残高を長期にわたって返済できるため、利用者に経済的な柔軟性を提供しています。さらに、クレジットカード会社は、利用者の信頼性を高めるために、無責任な詐欺防止策を提供しています。その結果、クレジットカードは人々の進化するニーズと嗜好に応えています。
オンライン・ショッピングへの嗜好の高まり
世界中の大衆の間でオンライン・ショッピングへの嗜好が高まっているため、クレジットカードの需要が高まっており、市場の成長を強化しています。加えて、クレジットカードは、忙しいライフスタイルを送る個人にとって、外出先での決済オプションとなりつつあります。オンライン取引でカード情報を入力したり、保存された情報を使用したりする利便性は、個人の経験を向上させるのに役立っています。これとは別に、eコマース・プラットフォームでは、シームレスなクレジットカード決済をチェックアウト・プロセスに組み込む動きが加速しています。さらに、サブスクリプション・ベースサービスへの注目が高まっており、定期的なオンライン購入の決済手段としてクレジットカードが好まれるようになっていることも、市場の成長を後押ししています。これに伴い、クレジットカードはオンライン小売業者に広く受け入れられており、汎用性の高い決済手段となっています。このように広く受け入れられているため、個人はさまざまなウェブサイトやプラットフォームで買い物をすることができます。さらに、さまざまなクレジットカード会社が特典やキャッシュバック、ロイヤリティ・プログラムを提供しているため、オンライン購入にカードを利用する人が増えています。
決済処理技術の進歩
非接触型決済、モバイル・ウォレット、近距離無線通信(NFC)技術などの決済処理技術の進歩により、より迅速、安全、便利なクレジットカード取引が可能になりました。これに伴い、スピードが向上し、使いやすい非接触型決済オプションの採用が増加しており、市場の成長を後押ししています。さらに、人々はカードやスマートフォンをタップするだけで取引を完了できるため、決済端末に物理的に接触する必要性が減少します。さらに、指紋認証や顔認証などのバイオメトリクス認証方法の統合は、クレジットカード取引のセキュリティを強化し、金融データの安全性について個人を安心させる上でメリットがあります。このような技術による決済方法の強化は、利用者の体験を向上させるのに役立っています。これに伴い、人々は金銭的な損失を防ぐため、日常生活において高度で安全な支払方法を求めるようになっています。さらに、サイバー脅威の増加による安全な決済ソリューションへの需要の高まりが、市場の成長に寄与しています。
The global credit card payment market size reached US$ 644.4 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 1,200.6 Billion by 2032, exhibiting a growth rate (CAGR) of 7% during 2024-2032. The market is experiencing steady growth driven by the growing preferences for online shopping, rising focus on enhanced convenience and flexibility in payment methods, and advancements in payment processing technology to enable faster, secure, and convenient payments.
Market Growth and Size: The market is witnessing moderate growth, driven by the increasing demand for convenient payment options, along with rapid digitalization.
Technological Advancements: Integration of contactless payments assists in enhancing user experiences. Moreover, biometric authentication methods benefit in improving the security of credit card transactions.
Industry Applications: Credit cards are widely used in various industries, including electronics, healthcare, and travel and tourism. These cards are also crucial in enabling cross-border transactions and international commerce.
Geographical Trends: North America leads the market on account of the rising focus on convenient and quick payment solutions. However, Asia Pacific is emerging as a fast-growing market due to increasing preferences for online shopping among individuals.
Competitive Landscape: Key players are improving their security measures by offering multi-factor authentication and investing in data encryption.
Challenges and Opportunities: While the market faces challenges, such as cybersecurity threats, it also encounters opportunities in improving security measures.
Future Outlook: The future of the credit card payment market looks promising, with the increasing focus on enhancing the experiences of individuals. In addition, technological advancements are expected to propel the market growth.
Rising focus on enhanced convenience and flexibility
The growing demand for credit card payments due to the rising focus on enhanced convenience and flexibility is offering a positive market outlook. In line with this, people are increasingly preferring secure payment methods, which are contributing to the growth of the market. Moreover, credit cards allow individuals to make purchases both online and in physical stores with ease. Besides this, credit cards assist in eliminating the need for carrying large amounts of cash and offering an added layer of security in case of theft or loss, making them an attractive option among individuals. Furthermore, these cards provide a line of credit, enabling users to manage their finances efficiently. Apart from this, the ability to pay off balances over time offers financial flexibility to users. Additionally, credit card companies are offering zero-liability fraud protection, enhancing the confidence of users. As a result, credit cards cater to the evolving needs and preferences of people.
Increasing preferences for online shopping
The escalating demand for credit cards on account of increasing preferences for online shopping among the masses across the globe is strengthening the growth of the market. In addition, credit cards are becoming on-the-go payment options for individuals with busy lifestyles. The convenience of entering card details or using saved information for online transactions assists in improving the experiences of individuals. Apart from this, e-commerce platforms are increasingly integrating seamless credit card payments into their checkout processes. Additionally, the rising focus on subscription-based services are making credit cards a preferred mode of payment for regular online purchases is bolstering the market growth. In line with this, credit cards are widely accepted by vast online retailers, making them a versatile payment option. This wide acceptance ensures that individuals can shop at various websites and platforms. Furthermore, various credit card companies are offering rewards, cashback, or loyalty programs, that attract people to use their cards for online purchases.
Technological advancements in payment processing
Advancements in payment processing technologies, such as contactless payments, mobile wallets, and near field communication (NFC) technology enable faster, secure, and more convenient credit card transactions. In line with this, the rising adoption of contactless payment options, as they offer enhanced speed and are easy to use, is propelling the growth of the market. Moreover, people can simply tap their cards or smartphones to complete transactions, reducing the need for physical contact with payment terminals. Additionally, the integration of biometric authentication methods, such as fingerprint recognition and facial recognition, benefits in enhancing the security of credit card transactions and reassuring individuals about the safety of their financial data. These technology-driven enhancements in payment methods aid in improving the experiences of users. In line with this, people are increasingly seeking advanced and secure payment options in their daily lives to prevent financial losses. Furthermore, the escalating demand for secure payment solutions due to the increasing cyber threats is contributing to the market growth.
IMARC Group provides an analysis of the key trends in each segment of the market, along with forecasts at the global, regional, and country levels for 2024-2032. Our report has categorized the market based on card type, provider, and application.
General Purpose Credit Cards
Specialty Credit Cards
Others
General purpose credit cards account for the majority of the market share
The report has provided a detailed breakup and analysis of the market based on the card type. This includes general purpose credit cards, specialty credit cards, and others. According to the report, general purpose credit cards represented the largest segment.
General purpose credit cards are versatile cards that can be used in a wide range of transactions. They are widely accepted by various companies and are not tied to a specific merchant or industry. In addition, they offer standard credit card features, such as revolving credit lines, interest rates, and payment options. Apart from this, the rising adoption of general-purpose credit cards due to their widespread acceptance and usability for everyday transactions is supporting the growth of the market.
Specialty credit cards are designed for specific purposes or tailored as per the needs or preferences of individuals. They often come with unique benefits, rewards, or specialized services related to a particular industry or interest. In line with this, specialty credit cards can include co-branded cards with airlines, retailers, or hotel chains, and cards designed for specific demographics like students or business owners.
Visa
Mastercard
Others
Visa holds the largest market share
A detailed breakup and analysis of the market based on the provider have also been provided in the report. This includes Visa, Mastercard, and others. According to the report, Visa accounted for the largest market share.
Visa provides a wide range of credit and debit card products and services. It operates a vast network that connects financial institutions, merchants, and individuals, enabling secure and convenient payments. It is actively involved in financial inclusion initiatives, aiming to provide access to financial services to underserved populations. Visa cards are accepted by numerous merchants across the globe. In addition, the rising demand for Visa due to its acceptance and reliability is bolstering the market growth.
Mastercard offers a variety of credit and debit card solutions and is recognized for its robust network and security features. In line with this, it operates a vast network that connects financial institutions, merchants, and people, enabling secure and efficient payment processing. Moreover, it focuses on promoting financial inclusion and providing underserved populations with access to financial services.
Food and Groceries
Health and Pharmacy
Restaurants and Bars
Consumer Electronics
Media and Entertainment
Travel and Tourism
Others
The report has provided a detailed breakup and analysis of the market based on the application. This includes food and groceries, health and pharmacy, restaurants and bars, consumer electronics, media and entertainment, travel and tourism, and others.
In food and groceries, credit cards are widely used for purchasing food items, in grocery stores and at restaurants. They offer enhanced convenience, security, and usually provide rewards or cashback on dining-related expenses. People are increasingly utilizing credit cards for food and groceries as are essential expenditures for individuals.
In health and pharmacy, credit cards are used for various purposes, including paying for medical bills, prescription medications, and health insurance premiums. In addition, the growing adoption of credit cards in health and pharmacy-related transactions due to the rising number of online healthcare services is offering a positive market outlook.
Restaurants and bars often involve credit card payments. Credit cards provide a convenient and secure way to settle bills in these establishments. Besides this, the rising number of restaurants and bars around the world is bolstering the growth of the market. Furthermore, people are increasingly utilizing credit cards in these establishments, as these cards offer various discounts and cashbacks.
Credit cards are commonly used to purchase consumer electronics, including smartphones, laptops, and home appliances, either online or in retail stores. In line with this, the increasing adoption of smart home devices among the masses across the globe is impelling the market growth.
Credit cards are widely utilized in media and entertainment applications for purchasing tickets for concerts, movies, streaming services, and other forms of entertainment. They offer a convenient way to access various entertainment options. In addition, people are increasingly focusing on digital content, which is propelling the market growth.
Furthermore, credit cards play a vital role in the travel and tourism industry, facilitating bookings for flights, hotels, car rentals, and tourist activities. Moreover, the growing demand for credit cards due to the increasing air travel among individuals worldwide is positively influencing the market.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America leads the market, accounting for the largest credit card payment market share
The market research report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share due to the rising focus on convenient and quick payment solutions among the masses. In line with this, technological advancements in payment processing, including the widespread adoption of contactless payments and mobile wallet solutions are propelling the growth of the market. These innovations also assist in enhancing the convenience and security of credit card payments.
Asia Pacific stands as another key region in the market, driven by the increasing adoption of smartphones among the masses. In addition, rising preferences for online shopping, as it provides enhanced convenience, is supporting the growth of the market. Besides this, the escalating demand for credit cards for secure and convenient transactions is propelling the market growth.
Europe maintains a strong presence in the market, with the increasing focus on cashless payment solutions among people. Apart from this, the introduction of co-branded credit cards to attract a larger consumer base is impelling the growth of the market. Furthermore, the rising demand for credit cards due to the thriving financial sector is supporting the market growth in the region.
Latin America exhibits growing potential in the credit card payment market on account of the increasing adoption of contactless payments, mobile wallets, and other digital payment solutions. In addition, stringent data privacy regulations are propelling the growth of the market.
The Middle East and Africa region show a developing market for credit card payment, primarily driven by the rising utilization of smartphones among the masses. In line with this, the growing demand for secure and efficient payment systems is offering a positive market outlook in the region.
Key players are focusing on advancing payment processing solutions and improving security features, such as Europay, Mastercard and Visa (EMV) chip technology and tokenization, to provide enhanced user experience. In line with this, many credit card providers are seeking to expand their global footprint by engaging in partnerships with banks and financial institutions in different countries. This helps in increasing card acceptance and attracting a broader consumer base worldwide. Moreover, companies are introducing new credit card products with unique features, such as rewards programs, cashback incentives, and exclusive partnerships with retailers or airlines. Furthermore, companies are improving their security measures by offering multi-factor authentication and investing in data encryption.
American Express Company
Bank of America Corporation
Barclays PLC
Capital One Financial Corporation
Citigroup Inc.
JPMorgan Chase & Co
Mastercard Inc.
Synchrony
The PNC Financial Services Group Inc.
United Services Automobile Association
Visa Inc.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
April 21, 2021: American Express Company launch the American Express Cashback Credit Card. The new card provides card members the opportunity to earn uncapped cashback on every purchase and bill payments. Card members can also make the most of Plan It(TM) Instalments, a feature that offers the flexibility to pay off credit card balances in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.
December, 2023: Mastercard Inc. partnered with Samsung Electronics on a newly launched Mastercard program, which is known as Wallet Express. The service provides banks and card issuers with a quick and cost-effective means of expanding their digital wallet offerings. The partnership allows issuers to integrate Samsung Wallet into their services, providing users with a versatile range of payment options.
May, 2023: Citigroup Inc. plans to debut a new credit card, known as Citi Pay Credit. It is suitable for individuals seeking to make larger purchases. In addition, it will allow merchants to offer promotional financing to individuals.