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非接触決済市場レポート:技術、デバイス、ソリューション、用途、地域別、2024~2032年Contactless Payment Market Report by Technology (Near Field Communication, Radio Frequency Identification, Infrared, and Others), Device, Solution, Application, and Region 2024-2032 |
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非接触決済市場レポート:技術、デバイス、ソリューション、用途、地域別、2024~2032年 |
出版日: 2024年08月10日
発行: IMARC
ページ情報: 英文 135 Pages
納期: 2~3営業日
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世界の非接触決済市場規模は2023年に152億米ドルに達しました。今後、IMARC Groupは、市場は2032年までに381億米ドルに達し、2024~2032年の間に10.4%の成長率(CAGR)を示すと予測しています。便利で衛生的な決済方法に対する消費者の需要の高まり、スマートフォンやウェアラブルデバイスの普及、NFCやトークン化などの安全な決済技術の進歩などが、市場成長を促進する主要要因となっています。
主要市場促進要因世界中の銀行・金融サービス・保険(BFSI)業界の急速なデジタル化が、主に市場の成長を促進しています。さらに、非接触型決済ツールが提供する利便性に関する消費者の意識の高まりや、銀行における待ち行列の最小化とチェックアウトの迅速化に対する需要の高まりも、市場成長の触媒となっています。
主要市場動向:生体認証ベースの非接触ICカードや新しいRFIDタグの開発など、さまざまな技術の進歩が重要な成長促進要因として作用し、市場の成長を後押ししています。
競合情勢:主要企業には、Giesecke &Devrient GmbH、Heartland Payment Systems(Global Payments Inc.)、IDEMIA(Advent International)、Ingenico Group(Worldline S.A.)、On Track Innovations Ltd.、Pax Technology、Setomatic Systems、Thales Group、Valitor、Verifone Systems Inc.(Francisco Partners)、Visa Inc.などがあります。
地理的動向:北米では、ネットワークインフラの大幅な改善とともに、ブロックチェーンと5G技術の普及が非接触決済市場を後押ししています。アジア太平洋の非接触決済市場は、スマートフォンの普及、デジタルウォレットの利用増加、政府の支援策により急速に拡大しています。また、欧州の非接触決済市場も定着しており、非接触カードの普及率が高く、加盟店に広く受け入れられていることが特徴です。
課題と機会:非接触決済市場は、セキュリティ上の懸念や広範なインフラのアップグレードの必要性などの課題に直面しています。しかし、利便性の向上、取引の迅速化、衛生的で効率的な決済手段を求める消費者の需要による普及の拡大といった機会をもたらします。
モバイルウォレットの普及
Apple Pay、Google Wallet、Samsung Payなど、スマートフォンやモバイルウォレットアプリケーションの利用が拡大していることが、非接触型決済の普及を促進しています。例えば、モバイルウォレットの取引量は2021会計年度には約40億件となり、2013会計年度の約3,270万件から大幅に増加しています。さらに、インドにおけるモバイルウォレットの取引量は、2025年までに約710億件に達すると予想されています。さらに、インドにおけるモバイル料金の普及率は2020年には15.7%であり、2025年には30%に達すると予想されています。スマートフォンの大幅な普及が、今後数年間の非接触決済市場シェアを押し上げると予想されます。さらに、近距離無線通信(NFC)技術などの非接触型決済技術がスマートウォッチやフィットネストラッカーのようなウェアラブル機器に統合されたことで、利便性が向上し、ユーザーの普及が進んでいます。このほか、小売店や店舗での非接触デビットカードやクレジットカード取引の増加により、予測期間中、小売セクターにおける非接触端末の市場需要が活性化すると予想されます。例えば、Worldplayの統計によると、昨年英国で最も普及した決済手段はデビットカードで、POS端末での決済全体の45%と28%をそれぞれ占めています。
技術の進歩
近距離無線通信(NFC)と無線自動識別(RFID)技術の継続的な進歩により、非接触型決済の効率性と信頼性が高まっています。さまざまな主要市場参入企業は、非接触決済プロセスを円滑に進めるための投資を増やしています。例えば、2023年10月、ソフトペイとDotykackaは共同で、アクワイアラーとしてNexiを活用し、チェコ共和国とスロバキアでタップ・ツー・フォン決済ソリューションを導入しました。タップ・トゥ・フォン・技術のプロバイダーであるソフトペイは、チェコ共和国とスロバキアにおける非接触型決済への需要の高まりに対応するため、多機能POSシステムソリューション・プロバイダーであるDotykacka社との戦略的提携を発表しました。さらに、ブロックチェーン技術の進歩は、取引の安全性を高め、プロセスを合理化することを約束します。これらの技術革新は総体的に非接触型決済ソリューションの成長と採用を促進し、セキュリティ、効率性、ユーザーエクスペリエンスの向上をもたらします。例えば、2024年5月、ブロックチェーンプラットフォームの大手であるVeChainは、ブロックチェーン技術と近距離無線通信(NFC)チップの統合に革命を起こし、データの信頼性を高め、新たな市場機会を開拓する計画を発表しました。この戦略的な動きは、ブロックチェーン固有の信頼性と不変性を活用することで、小売の状況を再構築することを目的としています。このようなイノベーションは、今後数年間で非接触決済市場の市場規模を押し上げると予想されます。
規制当局の取り組みと枠組み
各国の政府当局は、セキュリティ標準を確立し、不正行為から保護するためのイニシアチブを取っており、それによって非接触決済市場の信頼性を高めています。欧州の一般データ保護規則(GDPR)のような規制枠組みは、厳格なデータ保護対策を強制しています。Payment Card Industry Data Security Standard(PCI DSS)のような団体のガイドラインは、安全なトランザクションの基準を定めています。政府当局も、デジタル取引を奨励し、現金への依存を減らす取り組みを通じて、非接触型決済の導入を支援しています。例えば、インド準備銀行(RBI)は2024年2月、金融市場、貸出機関に関する規制と政策、デジタル通貨やフィンテックを含む決済システムを対象とした、いくつかの発展的・規制的イニシアチブ概要を示す主要政策声明を発表しました。金融市場の面では、RBIは外国為替や国債などRBIが規制する金融商品の取引を可能にする電子取引プラットフォーム(ETP)に関する既存の規制ガイドラインを包括的に見直すと発表しました。各国の政府当局によるこうした取り組みが、予測期間中の非接触型決済業界の成長を促進すると予想されます。
The global contactless payment market size reached US$ 15.2 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 38.1 Billion by 2032, exhibiting a growth rate (CAGR) of 10.4% during 2024-2032. The increasing consumer demand for convenient and hygienic payment methods, widespread adoption of smartphones and wearable devices, and advancements in secure payment technologies such as NFC and tokenization, are some of the key factors, driving the market growth.
Major Market Drivers: Rapid digitization of the banking, financial services, and insurance (BFSI) industry across the globe is primarily driving the growth of the market. Additionally, the increasing consumer awareness regarding the convenience offered by contactless payment tools and the rising demand for minimized queue time and faster checkouts at banks are also catalyzing the market growth.
Key Market Trends: Various technological advancements, such as the development of biometric-based contactless smart cards and novel RFID tags, are acting as significant growth-inducing factors, bolstering the market growth.
Competitive Landscape: Some of the leading contactless payment market companies include Giesecke & Devrient GmbH, Heartland Payment Systems (Global Payments Inc.), IDEMIA (Advent International), Ingenico Group (Worldline S.A.), On Track Innovations Ltd., Pax Technology, Setomatic Systems, Thales Group, Valitor, Verifone Systems Inc. (Francisco Partners), and Visa Inc., among others.
Geographical Trends: In North America, the widespread adoption of blockchain and 5G technologies, along with significant improvements in the networking infrastructure, is propelling the market for contactless payments. The Asia Pacific contactless payment market is rapidly expanding due to widespread smartphone adoption, increasing digital wallet usage, and supportive government initiatives. Additionally, Europe's contactless payment market is also well-established, characterized by high penetration of contactless cards and widespread acceptance among merchants.
Challenges and Opportunities: The contactless payment market faces challenges such as security concerns and the need for widespread infrastructure upgrades. However, it presents opportunities for enhanced convenience, faster transactions, and increased adoption driven by consumer demand for hygienic and efficient payment methods.
Increased Adoption of Mobile Wallets
The growing use of smartphones and mobile wallet applications, such as Apple Pay, Google Wallet, and Samsung Pay, is primarily driving the adoption of contactless payments. For instance, the volume of mobile wallet transactions was about four billion in the financial year 2021, a significant increase from about 32.7 million transactions in the financial year 2013. Additionally, the mobile wallet transaction volume in India is expected to reach around 71 billion by 2025. Moreover, the mobile rate penetration in India was 15.7% in 2020 and is expected to reach 30% in 2025. Significant growth in the adoption of smartphones is expected to propel the contactless payment market share in the coming years. Furthermore, the integration of contactless payment technology, such as near-field communication (NFC) technology, into wearable devices like smartwatches and fitness trackers is enhancing convenience and user adoption. Besides this, the growth in contactless debit card and credit card transactions in retail stores and outlets is anticipated to catalyze the market demand for contactless terminals in the retail sector over the forecast period. For example, the most popular payment method in the UK last year was debit cards, which accounted for 45% and 28%, respectively, of all payments made at POS terminals, according to statistics from Worldplay.
Technological Advancements
Continuous advancements in near-field communication (NFC) and radio-frequency identification (RFID) technologies are enhancing the efficiency and reliability of contactless payments. Various key market players are increasingly investing in facilitating smooth contactless payment processes. For instance, in October 2023, Softpay and Dotykacka collaborated to introduce a Tap-to-phone Payment Solution in the Czech Republic and Slovakia, utilizing Nexi as an Acquirer. Tap-to-phone technology provider SoftPay announced a strategic partnership with multifunctional POS system solution provider Dotykacka to meet the growing demand for contactless payment acceptance in the Czech Republic and Slovakia. Additionally, advancements in blockchain technology promise to further secure transactions and streamline processes. These innovations collectively drive the growth and adoption of contactless payment solutions, offering enhanced security, efficiency, and user experience. For instance, in May 2024, VeChain, a leading blockchain platform, announced its plan to revolutionize the integration of blockchain technology with Near Field Communication (NFC) chips to enhance data authenticity and unlock new market opportunities. This strategic move aims to reshape the retail landscape by leveraging blockchain's inherent trust and immutability. Such innovations are anticipated to propel the contactless payment market size in the coming years.
Regulatory Initiatives and Framework
The government authorities of various nations are taking initiatives to establish security standards and safeguard against fraud, thereby building trust in the contactless payment market. Regulatory frameworks, such as the General Data Protection Regulation (GDPR) in Europe, enforce stringent data protection measures. Guidelines from bodies like the Payment Card Industry Data Security Standard (PCI DSS), set standards for secure transactions. Government authorities are also supporting the adoption of contactless payments through initiatives that encourage digital transactions and reduce reliance on cash. For instance, in February 2024, the Reserve Bank of India (RBI) released a major policy statement outlining several developmental and regulatory initiatives covering financial markets, regulations pertaining to lending institutions, and payment systems, including digital currency and fintech. On the financial markets front, RBI announced that it would comprehensively review the existing regulatory guidelines for Electronic Trading Platforms (ETPs) that enable transactions in financial instruments regulated by RBI, such as foreign exchange and government securities. Such initiatives by the government authorities of various nations are anticipated to catalyze the growth in the contactless payment industry over the forecasted period.
IMARC Group provides an analysis of the key trends in each segment of the global contactless payment market report, along with forecasts at the global, regional, and country levels from 2024-2032. Our report has categorized the market based on technology, device, solution, and application.
Near Field Communication (NFC)
Radio Frequency Identification (RFID)
Infrared (IR)
Others
The contactless payment market report has provided a detailed breakup and analysis of the market based on the technology. This includes near field communication (NFC), radio frequency identification (RFID), infrared (IR), and others.
Near Field Communication (NFC) is a short-range wireless technology that enables communication between devices within a few centimeters. It is widely used in contactless payments, allowing secure transactions by simply tapping a smartphone or contactless card near an NFC-enabled terminal. NFC enables fast transaction speeds, enhanced security through encryption, and convenience, as it eliminates the need for physical contact or swiping.
Radio Frequency Identification (RFID) uses electromagnetic fields to automatically identify and track tags attached to objects. In the contactless payment market, RFID tags are embedded in cards and devices, enabling quick and easy transactions by waving the card near an RFID reader. Benefits include the ability to process multiple transactions simultaneously, increased durability of RFID cards, and improved transaction efficiency and convenience.
Smartphones and Wearables
Point-of-Sales Terminals
Smart Cards
The report has provided a detailed breakup and analysis of the market based on the device. This includes smartphones and wearables, point-of-sales terminals, and smart cards.
Contactless payments are gaining significant traction due to their convenience and preference. As a result, various wearable device manufacturers are incorporating near-field communication (NFC) technology as a standard into most smart devices, like smartphones and wearables, to provide greater convenience by removing the need to fumble with a wallet, purse, or phone. Furthermore, the increasing penetration of smartphones and wearables is also offering lucrative growth opportunities to the contactless payment market. For instance, in India, in 2018, around 36% of households had a smartphone, which increased to 74.8% in 2022. Similarly, from 2016 to 2019, connected wearable devices increased by 325 million to 722 million respectively. 30% of middle-income households used fitness trackers in the U.S. in 2020. Such a significant rise in smartphones and wearables is positively impacting the contactless payment market outlook.
Payment Terminal Solution
Transaction Management
Security and Fraud Management
Hosted Point-of-Sales
Payment Analytics
The report has provided a detailed breakup and analysis of the market based on the solution. This includes payment terminal solution, transaction management, security and fraud management, hosted point-of-sales, and payment analytics.
Payment terminal solutions in the contactless payment market are devices that enable merchants to accept payments without physical contact between the card or device and the terminal. These terminals use Near Field Communication (NFC) technology to communicate with contactless cards, smartphones, and wearables. They provide a fast, secure, and convenient transaction process by simply tapping or waving the payment device near the terminal. Additionally, these terminals often support multiple payment methods, including mobile wallets and traditional chip cards, making them versatile and future-proof in a rapidly evolving payment landscape. Transaction management solutions in the contactless payment market encompass the systems and software that oversee, process, and track financial transactions conducted through contactless methods. These solutions ensure the secure and efficient handling of payments from initiation to completion.
BFSI
Retail
Transportation
Healthcare
Others
The report has provided a detailed breakup and analysis of the market based on the application. This includes BFSI, retail, transportation, healthcare, and others.
In the Banking, Financial Services, and Insurance (BFSI) sector, contactless payments streamline transactions, enhance security, and improve customer convenience. Banks issue contactless cards and mobile payment solutions, reducing transaction times and fraud risks. This technology also facilitates seamless integration with digital banking services, promoting financial inclusion. In the retail sector, contactless payments offer faster checkout processes, reducing wait times and enhancing customer satisfaction. Retailers provide a contactless payment option to enhance the speed and efficiency of the checkout process, fostering customer loyalty through smoother and quicker transactions. Market players are offering innovative and smart solutions for retailers, which is expected to drive the adoption of contactless payment terminals in the retail segment. For instance, in September 2022, Square, a financial services platform, announced its plan to launch a Tap To Pay service for iPhone in the U.S. This service enabled all sizes of vendors to accept contactless payments directly from their iPhones without any hardware or additional costs.
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
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa.
In North America, various technological advancements, such as the development of biometric-based contactless smart cards and novel RFID tags, are acting as other growth-inducing factors. These technologies are widely adopted by small merchants and service providers to conduct cashless transactions by using their smartphones. Other factors, including the widespread adoption of blockchain and 5G technologies, along with significant improvements in the networking infrastructure, are anticipated to drive the market further. The Asia Pacific contactless payment market is rapidly expanding due to widespread smartphone adoption, increasing digital wallet usage, and supportive government initiatives. Key markets like China, India, and Japan are driving growth with robust digital payment infrastructure and consumer preference for cashless transactions. For instance, in September 2023, NPCI announced UPI Tap & Pay - an extension of the Indian payment method that allows let users to make payments simply by tapping their devices on NFC-enabled QR codes at merchant locations. Besides this, Europe's contactless payment market is also well-established, characterized by high penetration of contactless cards and widespread acceptance among merchants. The region's regulatory framework, such as PSD2, and consumer trust in digital payments contribute to strong market growth and innovation in contactless solutions.
Giesecke & Devrient GmbH
Heartland Payment Systems (Global Payments Inc.)
IDEMIA (Advent International)
Ingenico Group (Worldline S.A.)
On Track Innovations Ltd.
Pax Technology
Setomatic Systems
Thales Group
Valitor
Verifone Systems Inc. (Francisco Partners)
Visa Inc.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
May 2024: RuPay, a product of the National Payments Corporation of India (NPCI), announced a collaboration with TATA IPL. The organization unveiled an exclusive wristband and other accessories available for a select few attendees of the TATA IPL 2024 playoffs and final.
March 2024: IndusInd Bank announced the launch of its contactless payments wearable 'Indus PayWear.' It is said to be India's first all-in-one tokenizable wearable for both debit and credit cards.
March 2024: The Federal Bank launched a RuPay smart key chain called 'Flash Pay' for contactless NCMC (National Common Mobility Card) payments at enabled metro stations and PoS terminals. Customers can make payments up to ₹5,000 without a PIN, whereas those over ₹5,000 will require PIN authentication.