表紙:バーチャルカード:B2B/B2C用途、企業分析、市場予測 (2021年~2026年)
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バーチャルカード:B2B/B2C用途、企業分析、市場予測 (2021年~2026年)

Virtual Cards: B2B and B2C Applications, Competitive Analysis & Market Forecasts 2021-2026

出版日: | 発行: Juniper Research Ltd | ページ情報: 英文 | 納期: 即日から翌営業日

価格
価格表記: GBPを日本円(税抜)に換算
本日の銀行送金レート: 1GBP=155.67円
バーチャルカード:B2B/B2C用途、企業分析、市場予測 (2021年~2026年)
出版日: 2021年06月28日
発行: Juniper Research Ltd
ページ情報: 英文
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

当レポートでは、世界のバーチャルカード市場の最新動向と将来展望について分析し、システムの概要や業界の基本構造、技術面・規制面での課題と今後の成長機会、特に有望な地域や活用領域、主要企業のプロファイルと戦略展開状況、市場規模 (取引件数・金額) の動向見通し (2026年まで)、地域別 (全8地域・25ヶ国)・セグメント別の詳細動向、といった情報を取りまとめてお届けいたします。

分析対象企業

  • ケーススタディ:DPO Group
  • Juniper Research Leaderboardの対象企業:Abine、AirPlus、Apple、Barclaycard、Capital One、Conferma Pay、Flutterwave、iCard、JPMorgan Chase、Lithic、Marqeta、Mineraltree、Oxigen Wallet、Rakuten Card、Revolut、SBI、Wex
  • 本文中で言及された企業:406 Ventures、Afterpay、Alipay、Amadeus、Aozora Card Company、Apple、Ariett、Atlas Venture、Avenir Growth Capital、Avira、Bank of America、BankChain、BARCC(Boston Area Rape Crisis Center)、Benaissance、benefitexpress、Bessemer Venture Partners、BitPay、Blockchain.com、BlueTarp Financial、Brave、CashFlows、Central Bank of Brazil、Check Point、CJA(California Judges Association)、Cleaning Lab、Coatue、Commerce Ventures、Cornerstone International Systems、DiscoveryBenefits、DoorDash、DoubleVerify、EFS( Electronic Funds Source)、Eight Roads Ventures、EMVCo(Europay、Mastercard&Visa Consortium)、eNett、FC Barcelona、First Data、Folip Photonics、General Catalyst、Goldman Sachs、GoPay、Great Hill Partners、Green Visor Capital、Greycroft、Headline、 Hong Kong SAR、IA Capital Group、Index Ventures、Inspyrus、Instacart、IQEA、Jewel Commerce、Kipps de Santo&Co、Lufthansa、Mastercard、McDonalds、Mercy Corps、MoneyLion、Network International、NNEDV(National Network to End Indoor Violence)、Noventis、Optal、PayPal、Prodege、RBL Bank、Regal Software、Reserve Bank of India、Ripple、Samsung、SAP UK Limited、Square、Stag Industrial、Teamworthy Ventures、TTiger Global Management、UnionPay、United Income、United Villages Network、Upland Software、Visa、Warburg Pincus、WeChat、Worldpay、Y Combinator、YAPEAL

目次

第1章 分析概要と戦略提言

第2章 バーチャルカード市場とアプリケーション

  • イントロダクション
  • バーチャルカードのしくみ
    • バーチャルカードとトークン化
    • 安全
    • シームレスな決済方法
    • 経費管理
  • 特定の事業部門向けのバーチャルカード
    • 買掛金と経費
      • 機会
      • 課題
    • リテールバンキング
    • 旅行サービス/代理店
    • 医療調達
    • メディア購入・広告サービス
  • B2C (企業・消費者間) 用途
  • バーチャルカードの用途と収益化
    • 財務管理用途
    • 通貨換算
    • バーチャルカードのリベート

第3章 バーチャルカードの制約と将来展望

  • バーチャルカードの制約
  • バーチャルカード規制
    • カードネットワークの規格
      • PCI DSS
      • 交換手数料
    • EUの規制
    • ブラジルの規制
    • 中国の規制
    • インドの規制
  • 実用上の課題
    • カード発行プロセス
      • 一連の選択肢からの必要な機能の選択
      • 選択肢の削除
    • 規制の順守
  • B2B固有の障害
    • 国内B2B決済
      • 決済費用
    • 国際B2B決済
    • リアルタイム決済スキーム
    • 取引金額の大きな貿易回廊
      • 米国 - カナダ
      • 米国 - メキシコ
      • 米国 - 中国
      • EU域内 - 英国
      • 中国 - アフリカ
        • ケーススタディ:DPO Group

第4章 ベンダー分析とリーダーボード

  • イントロダクション
    • ベンダーの評価基準
    • リーダーボードのグループ化
    • 制限と解釈
  • バーチャルカード・ベンダーのプロファイル
    • Abine
      • 企業概略
      • 事業展開地域
      • 主要なクライアントと戦略的パートナーシップ
      • 製品/サービスの概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • AirPlus International
    • Apple
    • Barclaycard
    • Capital One
    • Conferma Pay
    • Flutterwave
    • iCard
    • JP Morgan Chase
    • Lithic
    • Marqeta
    • Mineraltree
    • Oxigen Wallet
    • Rakuten Card
    • Revolut
    • SBI
    • Wex

第5章 バーチャルカード市場の予測

  • 分析手法と仮定
  • 世界のバーチャルカードの予測
    • バーチャルカードの取引件数
    • バーチャルカードの取引額
  • B2Cバーチャルカードの予測
    • B2Cバーチャルカードの総取引件数
    • B2Cバーチャルカードの総取引金額
    • モバイルウォレット型バーチャルカードの取引件数
    • モバイルウォレット型バーチャルカードの取引金額
    • リモート・バーチャルカードの取引件数
    • リモート・バーチャルカードの取引金額
  • B2Bバーチャルカードの予測
    • B2Bバーチャルカードの取引件数
    • B2Bバーチャルカードの取引金額

分析対象国

  • アルゼンチン
  • オーストラリア
  • ブラジル
  • カナダ
  • 中国
  • コロンビア
  • デンマーク
  • フランス
  • ドイツ
  • インド
  • イタリア
  • 日本
  • メキシコ
  • オランダ
  • ノルウェー
  • ポーランド
  • ポルトガル
  • サウジアラビア
  • シンガポール
  • 南アフリカ
  • 韓国
  • スペイン
  • スウェーデン
  • 英国
  • 米国
目次

Juniper Research's latest “Virtual Cards ” research provides an up-to-date and comprehensive assessment of the prospects and challenges ahead for this innovative technology; analysing how the market will grow across both B2B and B2C use cases.

The research provides a detailed assessment of how new virtual cards will popularise across different verticals, and how business models in the space need to evolve. The drivers and constraints affecting the market are discussed, with detailed strategic recommendations on how to maximise the opportunities within virtual cards for vendors. The research includes a 17-vendor Juniper Research Leaderboard, with extensive profiles for each vendor, as well as including forecasts for virtual card transaction volume, value and revenue through to 2026.

The research covers important market segments, including:

  • B2B Virtual Cards
  • Consumer POS Virtual Cards
  • Consumer Remote Payment Virtual Cards

This research suite includes:

  • Strategy & Forecasts (PDF)
  • 5-year Deep Dive Data & Forecasting (PDF & Excel)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Virtual Cards Sector Dynamics: Analysis of key trends and challenges within the virtual cards space, including the following elements:
    • The potential for B2B payments and what role automation has to play
    • How regulation will shape the use of virtual cards
    • How virtual cards will evolve in the consumer market, and what capabilities they need to grow
  • Virtual Cards Segment & Business Model Analysis: Specific analysis of how virtual cards will be used by specific areas for businesses, including accounts payable/receivable, banking, travel agencies, healthcare and others, as well as an assessment of the current state of monetisation in virtual cards.
  • Juniper Research Leaderboard for Virtual Cards: 17 leading virtual card vendors compared, scored and positioned on the Juniper Research Leaderboard; allied with bespoke profiles and strategic recommendations:
    • Abine
    • Airplus
    • Apple
    • Barclaycard
    • Capital One
    • Conferma
    • Fullterwave
    • iCard
    • JP Morgan Chase
    • Lithic
    • Marqeta
    • Mineraltree
    • Oxigen Wallet
    • Rakuten Card
    • Revolut
    • SBI
    • Wex
  • Benchmark Industry Forecasts: Forecasts include size of the virtual cards market up to 2026, including transaction volume, value and revenue for virtual cards, split by the B2B, B2C POS, B2C Remote segments, as well as by our 8 key regions and the 25 countries listed below:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. How will virtual cards optimise the B2B sales industry?
  • 2. How do virtual card vendors manage increasing regulation?
  • 3. Which regions and trade corridors represent the most value for virtual cards?
  • 4. To what extent do virtual cards solve the problems they are designed to fix?
  • 5. How will B2B and B2C transactions change over the next 5 years?

COMPANIES REFERENCED

  • Case Studied: DPO Group.
  • Included in Juniper Research Leaderboard: Abine, AirPlus, Apple, Barclaycard, Capital One, Conferma Pay, Flutterwave, iCard, JPMorgan Chase, Lithic, Marqeta, Mineraltree, Oxigen Wallet, Rakuten Card, Revolut, SBI, Wex.
  • Mentioned: 406 Ventures, Afterpay, Alipay, Amadeus, Aozora Card Company, Apple, Ariett, Atlas Venture, Avenir Growth Capital, Avira, Bank of America, BankChain, BARCC (Boston Area Rape Crisis Center), Benaissance, benefitexpress, Bessemer Venture Partners, BitPay, Blockchain.com, BlueTarp Financial, Brave, CashFlows, Central Bank of Brazil, Check Point, CJA (California Judges Association), Cleaning Lab, Coatue, Commerce Ventures, Cornerstone International Systems, Discovery Benefits, DoorDash, DoubleVerify, EFS (Electronic Funds Source), Eight Roads Ventures, EMVCo (Europay, Mastercard & Visa Consortium), eNett, FC Barcelona, First Data, Folip Photonics, General Catalyst, Goldman Sachs, GoPay, Great Hill Partners, Green Visor Capital, Greycroft, Headline, Hong Kong SAR, IA Capital Group, Index Ventures, Inspyrus, Instacart, IQEA, Jewel Commerce, Kipps de Santo & Co, Lufthansa, Mastercard, McDonalds, Mercy Corps, MoneyLion, Network International, NNEDV (National Network to End Domestic Violence), Noventis, Optal, PayPal, Prodege, RBL Bank, Regal Software, Reserve Bank of India, Ripple, Samsung, SAP UK Limited, Square, Stag Industrial, Teamworthy Ventures, Tiger Global Management, UnionPay, United Income, United Villages Network, Upland Software, Visa, Warburg Pincus, WeChat, Worldpay, Y Combinator, YAPEAL.

DATA & INTERACTIVE FORECAST

Juniper Research's “ Virtual Cards ” forecast suite includes:

  • Forecasts splits for 8 key regions, as well as 25 country-level data splits for:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • Italy
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • Spain
    • South Africa
    • South Korea
    • Sweden
    • UK
    • US
  • Forecasts for number of virtual card users, transaction volume and value, broken down by:
    • B2B Virtual Cards
    • B2C Virtual Cards
    • B2C POS Virtual Cards
    • B2C Remote Virtual Cards
  • Forecasts for transaction volume, value and revenue from virtual cards, in the B2B and B2C sectors.
  • Interactive Scenario tool allowing user the ability to manipulate Juniper Research's data for 10 different metrics.
  • Access to the full set of forecast data of 88 tables and over 23,000 datapoints.

Juniper Research's highly granular interactive Excels enable clients to manipulate Juniper Research's forecast data and charts to test their own assumptions using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways and Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Virtual Cards Market and Applications

  • 2.1 Introduction
  • 2.2 How Virtual Cards Work
    • 2.2.1 Virtual Cards & Tokenisation
      • Figure 2.2: Tokenisation Procedure
    • 2.2.2 Security
    • 2.2.3 Seamless Payment Method
      • Figure 2.3: Average Number of Domestic Transactions per Company per annum, Split by 8 Key Regions, 2020
      • Figure 2.4 Virtual Card Actions vs Traditional Reimbursement
    • 2.2.4 Expense Management
  • 2.3 Virtual Cards for Specific Business Sectors
    • 2.3.1 Accounts Payable & Expenses
      • i. Opportunities
      • ii. Challenges
    • 2.3.2 Retail Banking
      • i. Opportunities
      • ii. Challenges
    • 2.3.3 Travel Services/Agencies
      • i. Opportunities
      • ii. Challenges
    • 2.3.4 Healthcare Procurement
      • i. Opportunities
      • ii. Challenges
    • 2.3.5 Media Buying & Advertising Services
      • i. Opportunities
      • ii. Challenges
  • 2.4 Business to Consumer Applications
  • 2.5 Virtual Cards Applications and Monetisation
    • 2.5.1 Financial Management Applications
    • 2.5.2 Currency Conversion
    • 2.5.3 Virtual Card Rebates

3. Virtual Card Constraints & Future Outlooks

  • 3.1 Constraints of Virtual Cards
  • 3.2 Virtual Card Regulation
    • 3.2.1 Card Network Standards
      • i. PCI DSS
      • ii. Interchange Rates
        • Table 3.2: B2B Payment Methods Interchange Rates
    • 3.2.2 EU Regulation
      • i. PSD2
    • 3.2.3 Brazilian Regulation
    • 3.2.4 Chinese Regulation
      • i. Payment Licence Practices
      • ii. Payment Networks
    • 3.2.5 Indian Regulation
      • i. RBI Transaction Security Circular, January 2020
      • ii. RBI International Card Payment Regulation, October 2020
  • 3.3 Practical Use Challenges
    • 3.3.1 Card Issuing Process
      • i. Select Desired Features from a Series:
      • ii. Remove Choice:
    • 3.3.2 Regulatory Adherence
  • 3.4 Inherent B2B Obstacles
    • 3.4.1 Domestic B2B Payments
      • i. Cost of Making Payments
    • 3.4.2 International B2B Payments
      • Figure 3.4.2: Traditional Cross-border Settlement Process
    • 3.4.3 Real-time Payment Schemes
    • 3.4.4 High-value Trade Corridors
      • i. US - Canada
      • ii. US - Mexico
      • iii. US - China
      • iv. Intra-EU and UK
      • v. China - Africa
        • Case Study: DPO Group

4. Vendor Analysis & Leaderboard

  • 4.1 Introduction
    • 4.1.1 Vendor Assessment Criteria
      • Table 4.1: Virtual Card Vendor Capability Assessment Factors
      • Figure 4.2: Virtual Cards Vendor Leaderboard
      • Figure 4.4.1: Virtual Cards Leaderboard Scoring
    • 4.1.2 Leaderboard Groupings
      • i. Established Leaders
      • ii. Leading Challengers
      • iii. Disruptors & Emulators
    • 4.1.3 Limitations & Interpretation
  • 4.2 Virtual Cards Vendor Profiles
    • 4.2.1 Abine
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v.Juniper Research's View: Key Strengths & Strategic DevelopmentOpportunities
    • 4.2.2 AirPlus International
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v.Juniper Research's View: Key Strengths & Strategic DevelopmentOpportunities
    • 4.2.3 Apple
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.4 Barclaycard
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.5 Capital One
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.6 Conferma Pay
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.7 Flutterwave
      • i. Corporate
        • Table 4.4: Flutterwave Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.8 iCard
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.9 JP Morgan Chase
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.10. Lithic
      • i. Corporate
        • Table 4.5: Lithic Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.11 Marqeta
      • i. Corporate
        • Table 4.6: Marqeta Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.12 Mineraltree
      • i. Corporate
        • Table 4.7: Mineraltree Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.13 Oxigen Wallet
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.14 Rakuten Card
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.15 Revolut
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.16 SBI
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.17 Wex
      • i. Corporate
        • Table 4.8: Wex Revenue ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities

5. Virtual Cards Forecasts

  • 5.1 Methodology & Assumptions
    • Figure 5.5.1: Consumer Virtual Cards Forecast Methodology
  • 5.2 Global Virtual Cards Forecasts
    • 5.2.1 Number of Virtual Card Transactions
      • Figure & Table 5.3: Number of Virtual Card Transactions per annum (m), Split Region, 2021-2026
    • 5.2.2 Virtual Card Transaction Value
      • Figure 5.3: Value of Virtual Card Transactions per annum ($bn), Split by Region, 2021-2026
  • 5.3 B2C Virtual Card Forecasts
    • 5.3.1 Total Number of B2C Virtual Card Transactions
      • Figure & Table 5.5: Number of B2C Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.3.2 Total Value of B2C Virtual Card Transactions
      • Figure & Table 5.6: Value of B2C Virtual Card Transactions per annum ($m), by Region, 2021-2026
    • 5.3.3 Number of Mobile Wallet Virtual Card Transactions
      • Figure & Table 5.7: Number of Mobile Wallet Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.3.4 Value of Mobile Wallet Virtual Card Transactions
      • Figure & Table 5.8: Value of Mobile Wallet Virtual Card Transactions per annum ($m), Split by Region, 2021-2026
    • 5.3.5 Number of Remote Virtual Card Transactions
      • Figure & Table 5.9: Number of Remote Virtual Card Transactions per annum Split by Region, 2021-2026
    • 5.3.6 Value of Remote Virtual Card Transactions
      • Figure & Table 5.10: Value of Remote Virtual Card Transactions per annum ($m), Split by Region, 2021-2026
  • 5.4 B2B Virtual Card Forecasts
    • 5.4.1 Number of B2B Virtual Card Transactions
      • Figure & Table 5.11: Number of B2B Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.4.2 Value of B2B Virtual Card Transactions
      • Figure & Table 5.12: Value of B2B Virtual Card Transactions per annum ($b), Split by Region, 2021-2026