バーチャルカード市場：カード別、製品タイプ別、発行者タイプ別、用途別 - 2024年～2030年の世界予測

バーチャルカード市場規模は2023年に285億4,000万米ドルと推定され、2024年には335億1,000万米ドルに達し、CAGR 17.81％で2030年には899億3,000万米ドルに達すると予測されています。

バーチャル・クレジットカードは、従来の物理的なカードのデジタル版であり、オンライン取引のための近代的なソリューションを提供します。これらの物理的でないカードは、カード番号、CVV、有効期限など必要な詳細情報をすべて備えており、デジタル形式でのみ存在します。この進歩により、ユーザーは、従来のクレジットカードやデビットカードの機能をそのままに、より安全かつ簡単にeコマースに参加することができます。バーチャル・カードは、金融機関や決済サービス・プロバイダーによって発行され、オンラインでの安全な購入や決済を促進するために設計されています。各バーチャル・カードは、物理的なカードと同様に、固有のカード番号、有効期限、セキュリティ・コードを持っています。しかし、これらの詳細はデジタルで生成され、物理的なカードを必要とせず、発行後すぐに使用することができます。バーチャルカードは、企業の経費管理、オンライン・リテール、サブスクリプション・サービス、B2B決済など、さまざまな分野で幅広く利用されています。エンドユーザーは、安全なオンライン・ショッピング・ソリューションを求める個人消費者から、決済プロセスを合理化し、財務監視を向上させたいと考えている企業まで多岐にわたる。バーチャルカード市場の成長を後押ししている要因には、不正取引やデータ漏洩に対する懸念の高まり、現金からデジタル決済手段への世界の移行、安全で便利な決済手段に対する規制機関からの奨励と支援、フィンテックの革新とAPI統合の幅広い採用などがあります。しかし、バーチャルカード市場は、代替決済手段の利用可能性や、バーチャルカードシステムを既存の金融インフラと統合する際の複雑さなどの制約に直面しています。統合された決済ソリューションを提供するためのeコマースプラットフォームとの連携、ヘルスケア、教育、政府部門に特化したバーチャルカードソリューションの市場開拓、不正検知の強化やパーソナライズされたカード提供のための人工知能や機械学習の活用が、バーチャルカード市場に新たな道を開く。

カードオンライン・ショッピングや旅行予約で消費者の間で高まるバーチャル・クレジットカードの重要性

バーチャル・クレジットカードは、利用者のクレジット・ラインと連動しており、発行機関が設定した一定の限度額まで資金を柔軟に借りることができます。特に、主要なクレジットカード情報を公開することなくオンライン取引を行いたいユーザーに好まれており、詐欺のリスクを最小限に抑えることができます。利用者は頻繁にオンライン・ショッピング、旅行予約、定期購入などを行うが、これがバーチャル・クレジットカードのメリットです。バーチャル・デビットカードは、利用者の銀行口座に直接リンクしており、利用可能な口座残高までしか取引ができないです。クレジットカードを使わず、身の丈にあった支出や金銭管理をしたい人に向いています。日常的な買い物やオンライン・サブスクリプション、一部の請求書支払いに最適なバーチャル・デビット・カードは、デジタル取引の利便性とともに、支出を管理する要素を提供します。

製品消費者の間で高まるB2C遠隔決済への嗜好 バーチャルカード

企業間（B2B）のバーチャルカードは、企業間の取引用に設計されています。これらのカードは主にサプライヤーやサービスへの支払いに使用され、高い管理性、効率性、安全性を提供します。B2Bカードは、シームレスで自動化された照合プロセスを促進し、企業の支出ポリシーへのコンプライアンスを高めることができるため、好まれています。企業対消費者（B2C）リモート決済バーチャルカードは、オンラインショッピング、請求書支払い、または物理的なカードが存在しない取引のために消費者を対象としています。これらのバーチャルカードは、セキュリティと利便性を優先し、詐欺から守るために一回限りの取引によく使われます。消費者対企業（C2B）販売時点情報管理（POS）バーチャルカードは、消費者が対面式の小売環境で使用するように設計されており、モバイル機器からタップ・アンド・ゴーで支払える近距離無線通信（NFC）などの技術を利用しています。これらのカードは、消費者と小売業者の双方にとって、スピードと利便性を優先しています。B2CカードやC2Bカードに比べ、B2Bカードは取引額が高く、監査要件も厳しいです。B2Bカードは、複雑なビジネス・トランザクションのために設計された、より高度な機能を持つ傾向があります。対照的に、B2C バーチャルカードは、B2Bカードのビジネス志向の機能やC2Bカードが提供するPOSでの即時取引機能よりも、消費者保護と使いやすさに重点を置いています。

発行者のタイプ：最新のユーザーエクスペリエンスを求めて、ノンバンクプロバイダーからのバーチャルカード採用が増加中

銀行発行のバーチャルカードは、伝統的な銀行が発行するデジタル・カード詳細で、顧客の既存の銀行口座にリンクされる一方、オンライン取引用にデジタル生成された別のカード番号を提供します。この分離により、オンライン・ショッピング、定期購読、請求書支払いなどのセキュリティと利便性がさらに向上します。ノンバンク発行のバーチャルカードは、伝統的な銀行機関ではなく、フィンテック企業、ネオバンク、デジタル決済プラットフォームによって提供されます。これらのバーチャルカードは、セキュリティや利便性という点では銀行発行のバーチャルカードと同様の利点を提供し、革新的な機能、柔軟性、ユーザーエクスペリエンスにより重点を置いています。

アプリケーションオンライン取引の利便性を提供する消費者向けバーチャルカードの利用拡大

ビジネス用のバーチャルカードは、経費と財務業務の合理化を目的としたもので、支払いを正確に管理し、不正行為のリスクを大幅に軽減します。企業は、部門やプロジェクトごとに利用限度額を設定したカードを発行し、予算管理を強化することができます。このセグメントの嗜好は、主にセキュリティー、柔軟性、効率性のニーズによって左右されます。出張旅費（T&E）カードは、主に出張旅費の管理に利用され、企業は事前に利用限度額を設定することができます。調達カードは、商品やサービスの直接購入を容易にし、従来の購買プロセスを回避し、より良い割引を可能にします。消費者向けのバーチャルカードは、オンラインショッピング、請求書の支払い、定期購読の管理など、安全で便利な方法を求める個人を対象としています。このセグメントの主な嗜好は、不正行為に対するセキュリティ、使いやすさ、財務管理です。消費者のバーチャルカードは、個人の財務状況の把握と支出の管理を重視することが多いです。オンライン・ショッピング・カードは、eコマース取引用に特別に設計されており、セキュリティを強化するために1回限りの使用や加盟店専用カードを提供しています。サブスクリプション管理カードは、消費者がサブスクリプションを管理するためにユニークなカード番号を生成し、不要な更新を防ぐことを可能にします。バーチャルカードのビジネスユースとコンシューマーユースを比較した場合、重要な違いは、主な用途である企業の財務管理と個人の財務セキュリティおよびガバナンスにあります。ビジネスユースのカードは、企業の枠組みにおける支出管理、効率性、コンプライアンスの強化に重点を置いています。対照的に、消費者向けカードは、消費者個人の金融情報を保護し、オンライン取引の利便性を提供することを目的としています。

地域別インサイト

南北アメリカ、特に米国とカナダでは、より安全なオンライン取引と合理化された支払いプロセスへの需要により、バーチャルカードの利用が急増しています。消費者や企業は、より良い経費管理と不正行為の軽減のためにバーチャルカードを採用しています。南米のバーチャルカード市場は成長しており、拡大するフィンテック部門と金融包摂の推進に影響されています。欧州市場はバーチャルカードの採用率が高いが、これは主に金融セキュリティとイノベーションを促進するPayment Services Directive Two（PSD2）などの厳しい規制によるものです。EU諸国では、B2B決済、旅行費用、eコマースでのバーチャルカード利用が増加しています。MEA地域は、導入の初期段階にあるもの、銀行部門のデジタル変革に注力し、現金依存度の低減を目指していることから、バーチャルカード市場の大きな成長が見込まれています。アフリカでは、スマートフォンとインターネットの普及が、金融包摂を促進する取り組みとともに、バーチャルカードの採用に道を開いています。APAC地域では、スマートフォンの大量導入、急成長するeコマース産業、デジタル決済に対する政府の支援政策により、バーチャルカード市場が急速に開拓されています。特に韓国、日本、シンガポールなどのフィンテック革新が大きな原動力となっており、APACは非常に競争の激しいバーチャルカード市場となっています。

FPNVポジショニング・マトリックス

FPNVポジショニングマトリックスはバーチャルカード市場を評価する上で極めて重要です。事業戦略と製品満足度に関連する主要指標を調査し、ベンダーの包括的な評価を提供します。この綿密な分析により、ユーザーは各自の要件に沿った十分な情報に基づいた意思決定を行うことができます。評価に基づき、ベンダーは成功の度合いが異なる4つの象限に分類されます：フォアフロント（F）、パスファインダー（P）、ニッチ（N）、バイタル（V）です。

市場シェア分析

市場シェア分析は、バーチャルカード市場におけるベンダーの現状について、洞察に満ちた詳細な調査を提供する包括的なツールです。全体的な収益、顧客基盤、その他の主要指標についてベンダーの貢献度を綿密に比較・分析することで、企業の業績や市場シェア争いの際に直面する課題について理解を深めることができます。さらに、この分析により、調査対象基準年に観察された累積、断片化の優位性、合併の特徴などの要因を含む、この分野の競合特性に関する貴重な考察が得られます。このような詳細レベルの拡大により、ベンダーはより多くの情報に基づいた意思決定を行い、市場で競争優位に立つための効果的な戦略を考案することができます。

本レポートは、以下の側面に関する貴重な洞察を提供しています：

1.市場の浸透度：主要企業が提供する市場に関する包括的な情報を提示しています。

2.市場の開拓度：有利な新興市場を深く掘り下げ、成熟市場セグメントにおける浸透度を分析しています。

3.市場の多様化：新製品の発売、未開拓の地域、最近の開発、投資に関する詳細な情報を提供します。

4.競合の評価と情報：市場シェア、戦略、製品、認証、規制状況、特許状況、主要企業の製造能力などを網羅的に評価します。

5.製品開発およびイノベーション：将来の技術、研究開発活動、画期的な製品開発に関する知的洞察を提供します。

本レポートは、以下のような主要な質問に対応しています：

1.バーチャルカード市場の市場規模および予測は？

2.バーチャルカード市場の予測期間中に投資を検討すべき製品、セグメント、用途、分野は何か？

3.バーチャルカード市場の技術動向と規制枠組みは？

4.バーチャルカード市場における主要ベンダーの市場シェアは？

5.バーチャルカード市場への参入に適した形態や戦略的手段は？

目次

第1章 序文

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場の概要

第5章 市場洞察

• 市場力学
  • 促進要因
    • 安全な支払い方法の需要によりオンライン取引が増加
    • 物理カードでの不正支払いのリスクが高まり、バーチャルカードへの傾向が強まる
  • 抑制要因
    • 代替支払い方法の利用可能性
  • 機会
    • 業界固有の仮想カードソリューションの継続的な開発
    • 人工知能と機械学習を活用し、不正検出とパーソナライズされたカード提供を強化
  • 課題
    • 仮想カードシステムを既存の金融インフラと統合する際の複雑さ
• 市場セグメンテーション分析
  • カード：オンラインショッピングや旅行予約における消費者の間でのバーチャルクレジットカードの重要性が高まっている
  • 製品：消費者の間でB2Cリモート決済バーチャルカードの好みが高まっている
  • 発行者タイプ：最新のユーザーエクスペリエンスを実現するため、銀行以外のプロバイダーによるバーチャルカードの採用が増加
  • 応用：オンライン取引の利便性向上のため、消費者向けにバーチャルカードの利用を拡大
• ポーターのファイブフォース分析
• バリューチェーンとクリティカルパス分析
• 規制枠組みの分析

第6章 バーチャルカード市場カードで

• クレジットカード
• デビットカード

第7章 バーチャルカード市場：製品別

• B2Bバーチャルカード
• B2Cリモート決済バーチャルカード
• C2B POSバーチャルカード

第8章 バーチャルカード市場：発行者タイプ別

• 銀行発行バーチャルカード
• 非銀行発行バーチャルカード

第9章 バーチャルカード市場：用途別

• ビジネス利用
• 消費者の使用

第10章 南北アメリカのバーチャルカード市場

• アルゼンチン
• ブラジル
• カナダ
• メキシコ
• 米国

第11章 アジア太平洋のバーチャルカード市場

• オーストラリア
• 中国
• インド
• インドネシア
• 日本
• マレーシア
• フィリピン
• シンガポール
• 韓国
• 台湾
• タイ
• ベトナム

第12章 欧州・中東・アフリカのバーチャルカード市場

• デンマーク
• エジプト
• フィンランド
• フランス
• ドイツ
• イスラエル
• イタリア
• オランダ
• ナイジェリア
• ノルウェー
• ポーランド
• カタール
• ロシア
• サウジアラビア
• 南アフリカ
• スペイン
• スウェーデン
• スイス
• トルコ
• アラブ首長国連邦
• 英国

第13章 競合情勢

• 市場シェア分析、2023年
• FPNVポジショニングマトリックス、2023年
• 競合シナリオ分析
  • ConnexPayがサプライヤー支出を最適化する革新的な変動レートバーチャルカードを発表
  • VisaのCommercial Payで企業の経費管理を強化
  • AdyenはBILLと提携し、中小企業（SMB）の財務業務を向上
  • マスターカードの新しいバーチャルカードが医療費の支払いに革命を起こす
  • MastercardとIllicoCashが、安全で即時のデジタル決済を実現する革新的なバーチャルカードを発表し、金融包摂を促進
  • TauliaのバーチャルカードとMastercardの提携により、キャッシュフローと支払いの統合が革新される
  • Kiwi、バーチャルクレジットカードプラットフォームの発展のためシリーズA資金調達で1,300万米ドルを確保
  • 銀聯国際、バーチャルカードサービスを世界規模で戦略的に拡大
  • 仮想カードの展開に向けたMarqetaとVeemの戦略的パートナーシップ
  • GEPとマスターカードが提携し、調達とサプライチェーン管理における電子決済を強化
  • アライアンス銀行、VisaバーチャルクレジットカードのWOWフィンテックとの提携によりデジタル決済のセキュリティを強化
  • Dash Solutions、決済技術の提供強化のためKyckGlobalを買収
  • Cardlessが7,500万米ドルの借入金を確保し、仮想決済ソリューションに革命を起こす

第14章 競合ポートフォリオ

• 主要企業プロファイル
• 主要製品ポートフォリオ

LIST OF FIGURES

• FIGURE 1. VIRTUAL CARDS MARKET RESEARCH PROCESS
• FIGURE 2. VIRTUAL CARDS MARKET SIZE, 2023 VS 2030
• FIGURE 3. GLOBAL VIRTUAL CARDS MARKET SIZE, 2018-2030 (USD MILLION)
• FIGURE 4. GLOBAL VIRTUAL CARDS MARKET SIZE, BY REGION, 2023 VS 2030 (%)
• FIGURE 5. GLOBAL VIRTUAL CARDS MARKET SIZE, BY REGION, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 6. VIRTUAL CARDS MARKET DYNAMICS
• FIGURE 7. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CARD, 2023 VS 2030 (%)
• FIGURE 8. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CARD, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 9. GLOBAL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2023 VS 2030 (%)
• FIGURE 10. GLOBAL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 11. GLOBAL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2023 VS 2030 (%)
• FIGURE 12. GLOBAL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 13. GLOBAL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2023 VS 2030 (%)
• FIGURE 14. GLOBAL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 15. AMERICAS VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 16. AMERICAS VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 17. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY STATE, 2023 VS 2030 (%)
• FIGURE 18. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY STATE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 19. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 20. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 21. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 22. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 23. VIRTUAL CARDS MARKET SHARE, BY KEY PLAYER, 2023
• FIGURE 24. VIRTUAL CARDS MARKET, FPNV POSITIONING MATRIX, 2023

LIST OF TABLES

• TABLE 1. VIRTUAL CARDS MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2023
• TABLE 3. GLOBAL VIRTUAL CARDS MARKET SIZE, 2018-2023 (USD MILLION)
• TABLE 4. GLOBAL VIRTUAL CARDS MARKET SIZE, 2024-2030 (USD MILLION)
• TABLE 5. GLOBAL VIRTUAL CARDS MARKET SIZE, BY REGION, 2018-2023 (USD MILLION)
• TABLE 6. GLOBAL VIRTUAL CARDS MARKET SIZE, BY REGION, 2024-2030 (USD MILLION)
• TABLE 7. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 8. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 9. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CREDIT CARD, BY REGION, 2018-2023 (USD MILLION)
• TABLE 10. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CREDIT CARD, BY REGION, 2024-2030 (USD MILLION)
• TABLE 11. GLOBAL VIRTUAL CARDS MARKET SIZE, BY DEBIT CARD, BY REGION, 2018-2023 (USD MILLION)
• TABLE 12. GLOBAL VIRTUAL CARDS MARKET SIZE, BY DEBIT CARD, BY REGION, 2024-2030 (USD MILLION)
• TABLE 13. GLOBAL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 14. GLOBAL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 15. GLOBAL VIRTUAL CARDS MARKET SIZE, BY B2B VIRTUAL CARDS, BY REGION, 2018-2023 (USD MILLION)
• TABLE 16. GLOBAL VIRTUAL CARDS MARKET SIZE, BY B2B VIRTUAL CARDS, BY REGION, 2024-2030 (USD MILLION)
• TABLE 17. GLOBAL VIRTUAL CARDS MARKET SIZE, BY B2C REMOTE PAYMENT VIRTUAL CARDS, BY REGION, 2018-2023 (USD MILLION)
• TABLE 18. GLOBAL VIRTUAL CARDS MARKET SIZE, BY B2C REMOTE PAYMENT VIRTUAL CARDS, BY REGION, 2024-2030 (USD MILLION)
• TABLE 19. GLOBAL VIRTUAL CARDS MARKET SIZE, BY C2B POS VIRTUAL CARDS, BY REGION, 2018-2023 (USD MILLION)
• TABLE 20. GLOBAL VIRTUAL CARDS MARKET SIZE, BY C2B POS VIRTUAL CARDS, BY REGION, 2024-2030 (USD MILLION)
• TABLE 21. GLOBAL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 22. GLOBAL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 23. GLOBAL VIRTUAL CARDS MARKET SIZE, BY BANK-ISSUED VIRTUAL CARDS, BY REGION, 2018-2023 (USD MILLION)
• TABLE 24. GLOBAL VIRTUAL CARDS MARKET SIZE, BY BANK-ISSUED VIRTUAL CARDS, BY REGION, 2024-2030 (USD MILLION)
• TABLE 25. GLOBAL VIRTUAL CARDS MARKET SIZE, BY NON-BANK ISSUED VIRTUAL CARDS, BY REGION, 2018-2023 (USD MILLION)
• TABLE 26. GLOBAL VIRTUAL CARDS MARKET SIZE, BY NON-BANK ISSUED VIRTUAL CARDS, BY REGION, 2024-2030 (USD MILLION)
• TABLE 27. GLOBAL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 28. GLOBAL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 29. GLOBAL VIRTUAL CARDS MARKET SIZE, BY BUSINESS USE, BY REGION, 2018-2023 (USD MILLION)
• TABLE 30. GLOBAL VIRTUAL CARDS MARKET SIZE, BY BUSINESS USE, BY REGION, 2024-2030 (USD MILLION)
• TABLE 31. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CONSUMER USE, BY REGION, 2018-2023 (USD MILLION)
• TABLE 32. GLOBAL VIRTUAL CARDS MARKET SIZE, BY CONSUMER USE, BY REGION, 2024-2030 (USD MILLION)
• TABLE 33. AMERICAS VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 34. AMERICAS VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 35. AMERICAS VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 36. AMERICAS VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 37. AMERICAS VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 38. AMERICAS VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 39. AMERICAS VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 40. AMERICAS VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 41. AMERICAS VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2018-2023 (USD MILLION)
• TABLE 42. AMERICAS VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2024-2030 (USD MILLION)
• TABLE 43. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 44. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 45. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 46. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 47. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 48. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 49. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 50. ARGENTINA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 51. BRAZIL VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 52. BRAZIL VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 53. BRAZIL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 54. BRAZIL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 55. BRAZIL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 56. BRAZIL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 57. BRAZIL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 58. BRAZIL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 59. CANADA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 60. CANADA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 61. CANADA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 62. CANADA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 63. CANADA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 64. CANADA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 65. CANADA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 66. CANADA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 67. MEXICO VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 68. MEXICO VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 69. MEXICO VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 70. MEXICO VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 71. MEXICO VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 72. MEXICO VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 73. MEXICO VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 74. MEXICO VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 75. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 76. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 77. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 78. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 79. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 80. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 81. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 82. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 83. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY STATE, 2018-2023 (USD MILLION)
• TABLE 84. UNITED STATES VIRTUAL CARDS MARKET SIZE, BY STATE, 2024-2030 (USD MILLION)
• TABLE 85. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 86. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 87. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 88. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 89. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 90. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 91. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 92. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 93. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2018-2023 (USD MILLION)
• TABLE 94. ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2024-2030 (USD MILLION)
• TABLE 95. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 96. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 97. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 98. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 99. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 100. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 101. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 102. AUSTRALIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 103. CHINA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 104. CHINA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 105. CHINA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 106. CHINA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 107. CHINA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 108. CHINA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 109. CHINA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 110. CHINA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 111. INDIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 112. INDIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 113. INDIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 114. INDIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 115. INDIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 116. INDIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 117. INDIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 118. INDIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 119. INDONESIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 120. INDONESIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 121. INDONESIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 122. INDONESIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 123. INDONESIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 124. INDONESIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 125. INDONESIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 126. INDONESIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 127. JAPAN VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 128. JAPAN VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 129. JAPAN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 130. JAPAN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 131. JAPAN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 132. JAPAN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 133. JAPAN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 134. JAPAN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 135. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 136. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 137. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 138. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 139. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 140. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 141. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 142. MALAYSIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 143. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 144. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 145. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 146. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 147. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 148. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 149. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 150. PHILIPPINES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 151. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 152. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 153. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 154. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 155. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 156. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 157. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 158. SINGAPORE VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 159. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 160. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 161. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 162. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 163. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 164. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 165. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 166. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 167. TAIWAN VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 168. TAIWAN VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 169. TAIWAN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 170. TAIWAN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 171. TAIWAN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 172. TAIWAN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 173. TAIWAN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 174. TAIWAN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 175. THAILAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 176. THAILAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 177. THAILAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 178. THAILAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 179. THAILAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 180. THAILAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 181. THAILAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 182. THAILAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 183. VIETNAM VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 184. VIETNAM VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 185. VIETNAM VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 186. VIETNAM VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 187. VIETNAM VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 188. VIETNAM VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 189. VIETNAM VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 190. VIETNAM VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 191. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 192. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 193. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 194. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 195. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 196. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 197. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 198. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 199. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2018-2023 (USD MILLION)
• TABLE 200. EUROPE, MIDDLE EAST & AFRICA VIRTUAL CARDS MARKET SIZE, BY COUNTRY, 2024-2030 (USD MILLION)
• TABLE 201. DENMARK VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 202. DENMARK VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 203. DENMARK VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 204. DENMARK VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 205. DENMARK VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 206. DENMARK VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 207. DENMARK VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 208. DENMARK VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 209. EGYPT VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 210. EGYPT VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 211. EGYPT VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 212. EGYPT VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 213. EGYPT VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 214. EGYPT VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 215. EGYPT VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 216. EGYPT VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 217. FINLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 218. FINLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 219. FINLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 220. FINLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 221. FINLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 222. FINLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 223. FINLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 224. FINLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 225. FRANCE VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 226. FRANCE VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 227. FRANCE VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 228. FRANCE VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 229. FRANCE VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 230. FRANCE VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 231. FRANCE VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 232. FRANCE VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 233. GERMANY VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 234. GERMANY VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 235. GERMANY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 236. GERMANY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 237. GERMANY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 238. GERMANY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 239. GERMANY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 240. GERMANY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 241. ISRAEL VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 242. ISRAEL VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 243. ISRAEL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 244. ISRAEL VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 245. ISRAEL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 246. ISRAEL VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 247. ISRAEL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 248. ISRAEL VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 249. ITALY VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 250. ITALY VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 251. ITALY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 252. ITALY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 253. ITALY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 254. ITALY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 255. ITALY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 256. ITALY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 257. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 258. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 259. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 260. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 261. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 262. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 263. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 264. NETHERLANDS VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 265. NIGERIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 266. NIGERIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 267. NIGERIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 268. NIGERIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 269. NIGERIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 270. NIGERIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 271. NIGERIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 272. NIGERIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 273. NORWAY VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 274. NORWAY VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 275. NORWAY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 276. NORWAY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 277. NORWAY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 278. NORWAY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 279. NORWAY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 280. NORWAY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 281. POLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 282. POLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 283. POLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 284. POLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 285. POLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 286. POLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 287. POLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 288. POLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 289. QATAR VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 290. QATAR VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 291. QATAR VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 292. QATAR VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 293. QATAR VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 294. QATAR VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 295. QATAR VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 296. QATAR VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 297. RUSSIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 298. RUSSIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 299. RUSSIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 300. RUSSIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 301. RUSSIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 302. RUSSIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 303. RUSSIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 304. RUSSIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 305. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 306. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 307. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 308. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 309. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 310. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 311. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 312. SAUDI ARABIA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 313. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 314. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 315. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 316. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 317. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 318. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 319. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 320. SOUTH AFRICA VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 321. SPAIN VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 322. SPAIN VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 323. SPAIN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 324. SPAIN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 325. SPAIN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 326. SPAIN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 327. SPAIN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 328. SPAIN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 329. SWEDEN VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 330. SWEDEN VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 331. SWEDEN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 332. SWEDEN VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 333. SWEDEN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 334. SWEDEN VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 335. SWEDEN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 336. SWEDEN VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 337. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 338. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 339. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 340. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 341. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 342. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 343. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 344. SWITZERLAND VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 345. TURKEY VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 346. TURKEY VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 347. TURKEY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 348. TURKEY VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 349. TURKEY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 350. TURKEY VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 351. TURKEY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 352. TURKEY VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 353. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 354. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 355. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 356. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 357. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 358. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 359. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 360. UNITED ARAB EMIRATES VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 361. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY CARD, 2018-2023 (USD MILLION)
• TABLE 362. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY CARD, 2024-2030 (USD MILLION)
• TABLE 363. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2018-2023 (USD MILLION)
• TABLE 364. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY PRODUCT, 2024-2030 (USD MILLION)
• TABLE 365. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2018-2023 (USD MILLION)
• TABLE 366. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY ISSUER TYPE, 2024-2030 (USD MILLION)
• TABLE 367. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2018-2023 (USD MILLION)
• TABLE 368. UNITED KINGDOM VIRTUAL CARDS MARKET SIZE, BY APPLICATION, 2024-2030 (USD MILLION)
• TABLE 369. VIRTUAL CARDS MARKET SHARE, BY KEY PLAYER, 2023
• TABLE 370. VIRTUAL CARDS MARKET, FPNV POSITIONING MATRIX, 2023

[187 Pages Report] The Virtual Cards Market size was estimated at USD 28.54 billion in 2023 and expected to reach USD 33.51 billion in 2024, at a CAGR 17.81% to reach USD 89.93 billion by 2030.

Virtual credit cards are digital counterparts to traditional physical cards, offering a modern solution for online transactions. These non-physical cards are equipped with all the necessary details, such as a card number, CVV, and expiration date, which exist solely in the digital form. This progression allows users to engage in eCommerce with increased safety and ease, mirroring the functionality of conventional credit or debit cards without the tangible presence. They are issued by financial institutions or payment service providers and are designed to facilitate secure online purchases and payments. Each virtual card has a distinctive card number, expiration date, and security code, similar to a physical card. However, these details are generated digitally and can be used immediately after issuance without the need for a physical card. Virtual cards have extensive applications across various sectors, including corporate expense management, online retail, subscription services, and B2B payments. End-users range from individual consumers seeking secure online shopping solutions to businesses looking to streamline their payment processes and improve financial oversight. Several factors are driving the growth of the virtual cards market, including growing concerns over fraudulent transactions and data breaches, the global move away from cash and toward digital payment methods, encouragement and support from regulatory bodies for secure and convenient payment methods, and innovations in fintech and the wider adoption of API integrations. However, the virtual cards market faces limitations, such as the availability of alternative payment methods and complexities in integrating virtual card systems with existing financial infrastructure. Collaboration with eCommerce platforms to offer integrated payment solutions, the development of industry-specific virtual card solutions for healthcare, education, and government sectors, and leveraging artificial intelligence and machine learning for enhanced fraud detection and personalized card offerings opens new avenues for the virtual cards market.

Card: Growing significance of virtual credit cards among consumers for online shopping & travel bookings

Virtual credit cards are linked to the user's credit line, offering the flexibility to borrow funds up to a certain limit set by the issuing institution. They are particularly preferred by users seeking to make online transactions without exposing their primary credit card details, minimizing the risk of fraud. Users engage in frequent online shopping, travel bookings, and subscription-based purchases, which are the benefits of virtual credit cards. Virtual debit cards are directly linked to the user's bank account, allowing transactions only up to the available account balance. They cater to individuals preferring to spend within their means and manage their finances without using credit cards. Ideal for day-to-day purchases, online subscriptions, and some forms of bill payments, virtual debit cards offer an element of controlled spending with the convenience of digital transactions.

Product: Increasing preference for B2C remote payment virtual cards among consumers

Business-to-business (B2B) virtual cards are designed for transactions between businesses. These cards are primarily used to pay suppliers and services, offering high control, efficiency, and security. They are preferred for their ability to facilitate seamless, automated reconciliation processes and enhance compliance with company spending policies. Business-to-consumer (B2C) remote payment virtual cards are targeted at consumers for online shopping, bill payments, or transactions where the physical card is not present. These virtual cards prioritize security and convenience and are often used for one-time transactions to protect against fraud. Consumer-to-business (C2B) point of sale (POS) virtual cards are designed for consumers to use in face-to-face retail environments, utilizing technology including near field communication (NFC) for tap-and-go payments from a mobile device. These cards prioritize speed and convenience for both consumers and retailers. Compared to B2C and C2B cards, B2B virtual cards involve higher transaction values and more rigorous auditing requirements. They tend to have more advanced features designed for complex business transactions. In contrast, B2C virtual cards focus more on consumer protection and ease of use than the business-oriented features of B2B cards or the immediate transaction capabilities at POS offered by C2B cards.

Issuer Type: Growing adoption of virtual cards from non-bank providers for modern user experience

Bank-issued virtual cards are digital card details issued by traditional banks, which are linked to a customer's existing bank account while providing a separate, digitally-generated card number for online transactions. This separation adds additional security and convenience for online shopping, subscriptions, and bill payments. Non-bank-issued virtual cards are provided by fintech companies, neo-banks, or digital payment platforms rather than traditional banking institutions. These virtual cards offer similar benefits to their bank-issued counterparts in terms of security and convenience and are more focused on innovative features, flexibility, and user experience.

Application: Expanding usage of virtual cards for consumer use to provide convenience in online transactions

Virtual cards for business use are designed to streamline expenses and financial operations, offering precise control over payments and significantly reducing the risk of fraud. Businesses can issue cards with specific spending limits for different departments or projects, enhancing budget management. Preferences in this segment are primarily driven by the need for security, flexibility, and efficiency. Travel and expense (T&E) cards are mainly used for managing business travel expenses, allowing companies to set predefined spending limits. Procurement cards facilitate the purchase of goods and services directly, bypassing traditional purchasing processes and enabling better discounts. Virtual cards for consumer use cater to individuals seeking a secure, convenient way to make online purchases, pay bills, or manage subscriptions. The primary preferences in this segment revolve around security against fraud, ease of use, and financial management. Consumer virtual cards often emphasize personal financial health tracking and control over spending. Online shopping cards are specifically designed for eCommerce transactions, offering one-time use or merchant-specific cards for added security. Subscription management cards allow consumers to generate unique card numbers for managing subscriptions, preventing unwanted renewals. When comparing business use and consumer use of virtual cards, a key differentiation lies in their primary applications, corporate finance management versus personal financial security and governance. Business use cards focus on enhancing spending controls, efficiency, and compliance within corporate frameworks. In contrast, consumer-use cards are tailored to protect individual consumers' financial information and provide convenience in online transactions.

Regional Insights

In the Americas, particularly in the United States and Canada, there is a significant surge in the use of virtual cards, driven by the demand for safer online transactions and streamlined payment processes. Consumers and businesses are adopting virtual cards to better control expenses and mitigate fraud. South America's virtual cards market is growing and is influenced by the expanding fintech sector and the push for financial inclusion. The European market is represented by a high adoption rate of virtual cards, mainly due to stringent regulations, including Payment Services Directive Two (PSD2), which promotes financial security and innovation. EU countries are witnessing a rise in virtual card usage for B2B payments, travel expenses, and eCommerce. The MEA region, although at an early stage of adoption, shows significant growth prospects for the virtual cards market due to countries in the region focusing on digital transformation in the banking sector and aiming to reduce cash dependency. In Africa, the penetration of smartphones and the Internet, along with initiatives to boost financial inclusion, are paving the way for the adoption of virtual cards. The APAC region is experiencing rapid development in the virtual cards market, with the massive adoption of smartphones, a burgeoning eCommerce industry, and supportive government policies for digital payments. Fintech innovation, particularly in countries such as South Korea, Japan, and Singapore, is a major driver, making APAC a highly competitive virtual cards market.

FPNV Positioning Matrix

The FPNV Positioning Matrix is pivotal in evaluating the Virtual Cards Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).

Market Share Analysis

The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the Virtual Cards Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.

Key Company Profiles

The report delves into recent significant developments in the Virtual Cards Market, highlighting leading vendors and their innovative profiles. These include Adyen N.V., Alliance Bank Malaysia Berhad, American Express Company, AU Small Finance Bank Limited, Bank of America Corporation, Barclays PLC, BLOCK, INC., BNP Paribas S.A., Capital One Financial Corporation, Cardless, Inc., Citigroup Inc., Deutsche Bank AG, First Abu Dhabi Bank PJSC, Global Payments Inc., HSBC Holdings PLC, JCB Co., Ltd., JPMorgan Chase & Co., Lithic, Inc., Marqeta, Inc., Mastercard International Incorporated, N26 Bank AG, PayPal Holdings, Inc., Paysafe Limited, Revolut Ltd., Stripe, Inc., Synchrony Bank, U.S. Bancorp, UnionPay International Co., Ltd, Visa Inc., Wells Fargo & Company, WEX Inc., Wise PLC, and Zeta Help Inc.

Market Segmentation & Coverage

This research report categorizes the Virtual Cards Market to forecast the revenues and analyze trends in each of the following sub-markets:

• Card
  • Credit Card
  • Debit Card

• Product
  • B2B Virtual Cards
  • B2C Remote Payment Virtual Cards
  • C2B POS Virtual Cards

• Issuer Type
  • Bank-issued Virtual Cards
  • Non-bank Issued Virtual Cards

• Application
  • Business Use
  • Consumer Use

• Region
  • Americas
    • Argentina
    • Brazil
    • Canada
    • Mexico
    • United States
      • California
      • Florida
      • Illinois
      • New York
      • Ohio
      • Pennsylvania
      • Texas
  • Asia-Pacific
    • Australia
    • China
    • India
    • Indonesia
    • Japan
    • Malaysia
    • Philippines
    • Singapore
    • South Korea
    • Taiwan
    • Thailand
    • Vietnam

• Europe, Middle East & Africa
  • Denmark
  • Egypt
  • Finland
  • France
  • Germany
  • Israel
  • Italy
  • Netherlands
  • Nigeria
  • Norway
  • Poland
  • Qatar
  • Russia
  • Saudi Arabia
  • South Africa
  • Spain
  • Sweden
  • Switzerland
  • Turkey
  • United Arab Emirates
  • United Kingdom

The report offers valuable insights on the following aspects:

1. Market Penetration: It presents comprehensive information on the market provided by key players.

2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.

3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.

4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.

5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.

The report addresses key questions such as:

1. What is the market size and forecast of the Virtual Cards Market?

2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Virtual Cards Market?

3. What are the technology trends and regulatory frameworks in the Virtual Cards Market?

4. What is the market share of the leading vendors in the Virtual Cards Market?

5. Which modes and strategic moves are suitable for entering the Virtual Cards Market?

Table of Contents

1. Preface

• 1.1. Objectives of the Study
• 1.2. Market Segmentation & Coverage
• 1.3. Years Considered for the Study
• 1.4. Currency & Pricing
• 1.5. Language
• 1.6. Stakeholders

2. Research Methodology

• 2.1. Define: Research Objective
• 2.2. Determine: Research Design
• 2.3. Prepare: Research Instrument
• 2.4. Collect: Data Source
• 2.5. Analyze: Data Interpretation
• 2.6. Formulate: Data Verification
• 2.7. Publish: Research Report
• 2.8. Repeat: Report Update

3. Executive Summary

4. Market Overview

5. Market Insights

• 5.1. Market Dynamics
  • 5.1.1. Drivers
    • 5.1.1.1. Increasing online transactions with the demand for secure payment methods
    • 5.1.1.2. Growing risk of fraudulent payments in physical cards encouraging inclination toward virtual cards
  • 5.1.2. Restraints
    • 5.1.2.1. Availability of alternative payment methods
  • 5.1.3. Opportunities
    • 5.1.3.1. Ongoing development of industry-specific virtual card solutions
    • 5.1.3.2. Leveraging artificial intelligence and machine learning for enhanced fraud detection and personalized card offerings
  • 5.1.4. Challenges
    • 5.1.4.1. Complexities in integrating virtual card systems with existing financial infrastructure
• 5.2. Market Segmentation Analysis
  • 5.2.1. Card: Growing significance of virtual credit cards among consumers for online shopping & travel bookings
  • 5.2.2. Product: Increasing preference for B2C remote payment virtual cards among consumers
  • 5.2.3. Issuer Type: Growing adoption of virtual cards from non-bank providers for modern user experience
  • 5.2.4. Application: Expanding usage of virtual cards for consumer use to provide convenience in online transactions
• 5.3. Porter's Five Forces Analysis
  • 5.3.1. Threat of New Entrants
  • 5.3.2. Threat of Substitutes
  • 5.3.3. Bargaining Power of Customers
  • 5.3.4. Bargaining Power of Suppliers
  • 5.3.5. Industry Rivalry
• 5.4. Value Chain & Critical Path Analysis
• 5.5. Regulatory Framework Analysis

6. Virtual Cards Market, by Card

• 6.1. Introduction
• 6.2. Credit Card
• 6.3. Debit Card

7. Virtual Cards Market, by Product

• 7.1. Introduction
• 7.2. B2B Virtual Cards
• 7.3. B2C Remote Payment Virtual Cards
• 7.4. C2B POS Virtual Cards

8. Virtual Cards Market, by Issuer Type

• 8.1. Introduction
• 8.2. Bank-issued Virtual Cards
• 8.3. Non-bank Issued Virtual Cards

9. Virtual Cards Market, by Application

• 9.1. Introduction
• 9.2. Business Use
• 9.3. Consumer Use

10. Americas Virtual Cards Market

• 10.1. Introduction
• 10.2. Argentina
• 10.3. Brazil
• 10.4. Canada
• 10.5. Mexico
• 10.6. United States

11. Asia-Pacific Virtual Cards Market

• 11.1. Introduction
• 11.2. Australia
• 11.3. China
• 11.4. India
• 11.5. Indonesia
• 11.6. Japan
• 11.7. Malaysia
• 11.8. Philippines
• 11.9. Singapore
• 11.10. South Korea
• 11.11. Taiwan
• 11.12. Thailand
• 11.13. Vietnam

12. Europe, Middle East & Africa Virtual Cards Market

• 12.1. Introduction
• 12.2. Denmark
• 12.3. Egypt
• 12.4. Finland
• 12.5. France
• 12.6. Germany
• 12.7. Israel
• 12.8. Italy
• 12.9. Netherlands
• 12.10. Nigeria
• 12.11. Norway
• 12.12. Poland
• 12.13. Qatar
• 12.14. Russia
• 12.15. Saudi Arabia
• 12.16. South Africa
• 12.17. Spain
• 12.18. Sweden
• 12.19. Switzerland
• 12.20. Turkey
• 12.21. United Arab Emirates
• 12.22. United Kingdom

13. Competitive Landscape

• 13.1. Market Share Analysis, 2023
• 13.2. FPNV Positioning Matrix, 2023
• 13.3. Competitive Scenario Analysis
  • 13.3.1. ConnexPay Unveils Innovative Variable-Rate Virtual Cards for Optimized Supplier Spending
  • 13.3.2. Visa's Commercial Pay for Enhanced Corporate Expense Management
  • 13.3.3. Adyen Partnered with BILL to Elevates Financial Operations for Small and Midsize Businesses (SMBs)
  • 13.3.4. Mastercard's New Virtual Card Revolutionizes Medical Payments
  • 13.3.5. Mastercard and IllicoCash Launch Revolutionary Virtual Cards for Secure and Instant Digital Payments, Boosting Financial Inclusion
  • 13.3.6. Taulia's Virtual Cards and Mastercard Partnership Revolutionize Cash Flow and Payments Integration
  • 13.3.7. Kiwi Secures USD 13 Million in Series A Funding to Advance Virtual Credit Card Platform
  • 13.3.8. UnionPay International's Strategic Expansion of Virtual Card Services Globally
  • 13.3.9. Strategic Partnership between Marqeta and Veem for Virtual Card Deployment
  • 13.3.10. GEP and Mastercard partnered to Enhance ePayments in Procurement and Supply Chain Management
  • 13.3.11. Alliance Bank Enhances Digital Payment Security with WOW Fintech Partnership for Visa Virtual Credit Cards
  • 13.3.12. Dash Solutions Acquires KyckGlobal to Bolster Payment Technology Offerings
  • 13.3.13. Cardless Secures USD 75 Million in Debt Financing to Revolutionize Virtual Payment Solutions

14. Competitive Portfolio

• 14.1. Key Company Profiles
• 14.2. Key Product Portfolio