市場調査レポート
商品コード
1334673

QRコード決済の世界市場:2023-2028年

Global QR Code Payments Market: 2023-2028

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=194.37円
QRコード決済の世界市場:2023-2028年
出版日: 2023年08月21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

主要市場である東南アジアのQRコード決済数は、2023年の130億件から、2028年には900億件に増加すると予測されています。東南アジアやその他の新興国市場における高い成長は、QRコード決済が提供する金融包摂性によるところが大きく、これにより銀行口座を持たないユーザーでもデジタル決済を利用できるようになります。一方で、欧米市場ではQR決済の普及が非常に限られており、QR決済市場の世界の格差が浮き彫りになっています。

インドのUPIやブラジルのPixなど、各国のQR決済システムは、市場の普及を促進する上で重要な役割を果たしてきました。しかし、市場規模の大幅な拡大は、東南アジア市場内での国境を越えた相互運用性によってのみ実現します。

インドネシア、マレーシア、タイはすでに決済基準を統一しており、企業は国内のデジタルウォレットを使って外国人観光客からの支払いを受け付けることができます。シンガポールとフィリピンは2023年末までに提携する予定です。

当レポートでは、世界のQRコード決済の市場を調査し、市場の定義と概要、主要動向・市場影響印書の分析、ユーザー数・取引額・取引数などの推移・予測、各種区分・地域別の詳細分析、競合情勢、主要企業のプロファイルなどをまとめています。

本調査パッケージの構成:

  • 市場動向・戦略 (PDF)
  • 競合リーダーボード (PDF)
  • データおよび予測 (PDF)
  • 5カ年市場規模・予測スプレッドシート (Excel)
  • オンラインデータプラットフォーム (harvest) への12カ月のアクセス

目次

市場動向・戦略

第1章 重重要ポイント・戦略的提言

第2章 市場情勢

  • 現在のQR決済の情勢
  • QRコード決済カードベンダー
  • 主要動向・推進因子
  • QRコードの収益化
  • 非接触型決済:QRコードとNFC

第3章 セグメント分析

  • 輸送
  • 小売
  • eコマース
  • レストラン
  • 銀行送金

第4章 地域分析

  • 北米
  • ラテンアメリカ
  • 西欧
  • 中欧・東欧
  • 極東・中国
  • インド亜大陸
  • その他のアジア太平洋
  • アフリカ・中東
  • QRコード決済の国別の機会:ヒートマップ分析

競合リーダーボード

第1章 競合リーダーボード

  • ベンダープロファイル
    • Alipay
    • easypaisa
    • Google Pay
    • LINE Pay
    • Maya
    • Mercado Pago
    • Momo
    • M-PESA
    • Nearex
    • PayPal
    • Paytm
    • PhonePe
    • Rakuten Pay
    • Revolut
    • Square
    • STC Pay
    • UnionPay International
    • WeChat Pay
    • Vipps MobilePay
  • ベンダー分析・Juniper Researchリーダーボード

データ・予測

第1章 QRコード決済:市場予測

  • QRコード決済の予測
    • QRコード決済ユーザー数
    • QRコード決済取扱数
    • QRコード決済取引額
    • QRコード決済取引数:スキーム別
    • QRコード決済取引額:スキーム別
    • QRコード決済チケット取引額
目次

REPORT OVERVIEW

Juniper Research's latest “QR Code Payments” research provides an expansive overview of the adoption and utilities of QR code payments across the globe. It includes strategic recommendations for QR code payment providers and stakeholders, as well as comprehensive 5-year forecasts for QR code payment volumes and values, QR code payment users, and handsets used for QR code payments. Additionally, these 5-year forecasts provide key market splits for markets with national and third-party schemes, volume and value of retail and transportation tickets made by QR code payments.

Furthermore, Juniper Research's Competitor Leaderboard, featuring an in depth evaluation of 19 major QR code payment vendors, positions key market stakeholders seeking to understand the competitive landscape in the highly complex QR code payment market. It uses a combination of quantitative and qualitative scoring criteria to provide vendor positioning for the market's key players.

In addition, Juniper Research also comprises an assessment of the current QR code payments market and the factors impacting it. These include:

  • QR Code Payment National Standardisation vs Third-party Schemed
  • Card Vendors in the QR Code Payments Market
  • The Impact of Cashless Society Initiatives
  • Security Developments of QR Codes and Payments Utilising Them
  • How QR Codes Fare Against NFC Contactless Payments

This research suite includes:

  • Market Trends & Strategies (PDF)
  • Competitor Leaderboard (PDF)
  • Data & Forecasting (PDF)
  • 5-year Market Sizing & Forecast Spreadsheet (Excel)
  • 12 Months' Access to harvest Online Data Platform

KEY FEATURES

  • Market Dynamics: The report provides a comprehensive market assessment discussing key market trends impacting the effectiveness and value proposition of the QR code payments market, as well as an in-depth evaluation of the future growth of the market and readiness for further disruption. This enables readers to understand the critical innovations driving this market forward.
  • Regional Analysis: Comprehensive evaluation featuring regional-level market analysis on the future of the market and the potential for QR code payment adoption; supplemented with 5 year forecast data and split by 8 key regions including;
    • North America
    • Latin America
    • West Europe
    • Central & East Europe
    • Far East & China
    • Indian Subcontinent
    • Rest of Asia Pacific
    • Africa & Middle East
  • Juniper Research Competitor Leaderboard: This competitive landscape will provide key player capability and capacity assessment for 19 QR code payment providers; positioning them as either an established leader, leading challenger, or disruptor and challenger. Our Competitor Leaderboard scores these companies on a number of criteria, including their size of operations in the space, their extent and breadth of market partnerships, sophistication of their platforms, and Juniper Research's view on each company's innovation and future business prospects. The companies included in Juniper Research's QR Code Payments Competitor Leaderboard are:
    • Alipay
    • easypaisa
    • Google Pay
    • LINE Pay
    • Maya
    • Mercado Pago
    • MoMo
    • M-PESA
    • NEarex
    • PayPal
    • Paytm
    • PhonePe
    • Rakuten Pay
    • Revolut
    • Square
    • STC Pay
    • UnionPay
    • Vipps MobilePay
    • WeChat Pay
  • Benchmark Industry Forecasts: Provides 5-year forecasts for QR code payment activities including total users of QR code payments, total number of mobile handsets and average amount of QR code payments made per mobile handset per annum. Total volume and value of QR code payments, including splits between national and third party schemes, and QR code payments in retail and transport. Metrics are split by our 8 key forecast regions and the 60 countries listed below:
  • North America:
    • Canada, US
  • Latin America:
    • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay
  • West Europe:
    • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK
  • Central & East Europe:
    • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine
  • Far East & China:
    • China, Hong Kong, Japan, South Korea
  • Indian Subcontinent:
    • Bangladesh, India, Nepal, Pakistan
  • Rest of Asia Pacific:
    • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam
  • Africa & Middle East:
    • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates

KEY QUESTIONS ANSWERED

  • 1. Who are the most successful players in the QR payments space, and why?
  • 2. Where will the biggest growth opportunities be for QR code payments?
  • 3. What will the total transactional value for QR code payments over a 5-year forecast period be?
  • 4. What are some main methods that operators could use to increase revenue from QR code payments?
  • 5. What factors will increase QR code payment growth over the next 5 years?

COMPANIES REFERENCED

  • Included in Juniper Research Competitor Leaderboard: Alipay, easypaisa, Google Pay, Line Pay, Maya, Mercado Pago, MoMo, M-PESA, Nearex, PayPal, Paytm, PhonePe, Rakuten Pay, Revolut, Square, STC Pay, UnionPay, WeChat Pay, Vipps MobilePay.
  • Mentioned: Acleda Bank, Air Bank, Alliance Bank, AlphaPay, Amazon, American Express, Apple, Banamex, Bancoppel, Barclaycard, BBVA, BCA, BharatPe, Bizum, BRI, Burger King, Citibank, City Bank, Coles, Commerzbank, Commonwealth Bank, CSOB, CVS, DBS PayLah!, Denso Wave, EBL Sky Banking, Eccentric Payment Systems, Eftpos, FPay, FPS, GoPay, GrabPay, HBL, HIPS Payment Group, HSBC, iDeal, Izipay, Japanese Rail, JazzCash, K-Electric, Lukita, Mastercard, Matera, Maybank, MB Bank, MBank, mCASH, McDonald's, Mollie, Mswipe, Mumbai Metro, NETSPay, Netstars, Niubiz, NRB Bank, OCBC PayAnyone, Octopus, OVO, P J City Bus, Payconiq, PayNet, Paystack, Raiffeisenbank, ShopeePay, SnapPay, SSLCOMERZ, Stanchart Mobile, Standard Chartered Bank, Starbucks, T.G.I. Fridays, TapNGo, Target, Tencent, T-Mobile, Tunki, Ukheshe, Unlimint, UOB TMRW, Vendemás, Venmo, Vipps, Visa, Walmart, Wendy's, WhatsApp, Woolworths, Worldpay, Yape, YellowPepper, Zapper, Zengin-Net.

DATA & INTERACTIVE FORECAST

Key Market Forecast Splits

The “QR Code Payments Forecast suite” includes 5-year forecasts for this market, including the following:

  • QR Code Payment Users
  • QR Code Payments, splits by Transaction Value and Volume
  • Retail QR Code Payments
  • Transport Ticket QR Code Payments, including tables for Metro Tickets
  • QR Code Payments, split by National and Third-party Schemes
  • Geographical Splits: 60 countries
  • Number of Tables: 28
  • Number of datapoints: Over 12900 datapoints

harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform; enabling clients to better understand key data trends and manipulate charts and tables; overlaying different forecasts within the one chart - using the comparison tool. Empower your business with our market intelligence centre, and get alerted whenever your data is updated.

Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare selected markets side by side in customised charts and tables. IFxls greatly increase a clients' ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

The volume of QR code payments in the leading Southeast Asian market will increase from 13 billion in 2023 to 90 billion in 2028.

High growth in Southeast Asia and other developing markets is largely down to the financial inclusivity that QR payments offer; enabling unbanked users to access digital payments. Conversely, Western markets have seen very limited adoption; highlighting the global divide in QR payment markets.

National QR payment schemes, including India's UPI and Brazil's Pix, have played a key role in encouraging market adoption, with their success driving implementation of national schemes in 2023 in Kenya and Bangladesh. However, significant growth to market volume will come from cross-border interoperability within Southeast Asian markets.

While international interoperability has been offered from payment providers like Alipay for years, national QR payment standards are now unifying across borders; enabling wider interoperability. For example:

  • Indonesia, Malaysia, and Thailand have already unified their payment standards; enabling businesses to accept payments from international visitors using their domestic digital wallets.
  • Singapore and the Philippines are set to collaborate by the end of 2023; further unifying payments across the region.

Payment providers are advised to work closely with legislative bodies, encouraging interoperability to bolster QR payments usage.

The adoption of QR payments overall in the west remains low. However, the area of QR P2P bank transfers has gained significant traction since 2022, with Belgium's Payconiq and Spain's Bizum being used by a significant proportion of users. Furthermore, Revolut and Vipps MobilePay have been promoting P2P and business-based QR solutions across Europe through reduced transaction fees. To maximise adoption, payment providers should focus on offering competitive pricing versus established local payment methods.

Table of Contents

Market Trends & Strategies

1. Key Takeaways and Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Market Landscape

  • 2.1 Introduction
    • 2.1.1 Definitions & Scope
      • Figure 2.1: An Example of a QR Code, Using the Commonly Seen Model 2 QR Format
    • 2.1.2 History of QR Codes
  • 2.2 Current QR Payments Landscape
    • 2.2.1 Current Market Status
      • Figure 2.2: QR Code Payments Volume (m), Split by 8 Key Regions, 2023
    • 2.2.2 National QR Schemes vs Third-party Schemes
  • 2.3 Card Vendors in QR Code Payments
    • 2.3.1 Visa
    • 2.3.2 Mastercard
    • 2.3.3 American Express
  • 2.4 Key Trends & Drivers
    • 2.4.1 The Normalisation of Cashless Societies
    • 2.4.2 Accessibility of QR Codes as a POS Solution
    • 2.4.3 From Featurephone to Smartphone
      • Figure 2.3: Total Volume of Smartphones & Featurephones (m), 2017-2028
    • 2.4.4 Expansion & High-growth Areas
    • 2.4.5 Security Developments
  • 2.5 Monetisation of QR Codes
  • 2.6 Contactless Payments: QR Codes vs NFC
    • Figure 2.4: QR vs NFC: Strengths & Weaknesses
    • 2.6.1 QR Code Payments
      • i. Strengths
      • ii. Weaknesses
    • 2.6.2 NFC
      • i. Strengths
      • ii. Weaknesses
    • 2.6.3 Conclusion

3. Segment Analysis

  • 3.1 Introduction
    • 3.1.1 Transport
      • Figure 3.1: Total Value of Tickets Purchased via QR Codes ($m): 2023-2028
    • 3.1.2 Retail
    • 3.1.3 eCommerce
    • 3.1.4 Restaurants
    • 3.1.5 Bank Transfer

4. Regional Analysis

  • 4.1 Introduction
    • 4.1.1 QR Code Payment Country Readiness Index
      • Figure 4.1: Juniper Research's 8 Key Regions Definition
      • Table 4.2: Juniper Research QR Code Payments Country Readiness Index: Scoring Criteria
      • Figure 4.3: Juniper Research Country Readiness Index - QR Code Payments
      • Figure 4.4: Juniper Research's Competitive Web: QR Code Payments Regional Opportunities
    • 4.1.2 North America
      • Figure 4.5: Total Volume of QR Code Payments in North America (m), 2023
      • i. US
      • ii. Canada
    • 4.1.3 Latin America
      • Figure 4.6: QR Code Payment Volume in Latin America (m): 2023-2028
      • i. Argentina
      • ii. Brazil
      • iii. Mexico
      • iv. Peru
      • v. Chile
    • 4.1.4 West Europe
      • Figure 4.7: Total Value of QR Code Payments in West Europe ($m), Split by Country, 2023
      • i. Denmark
      • ii. Norway
      • iii. Spain
      • iv. Sweden
      • v. UK
    • 4.1.5 Central & East Europe
      • Figure 4.8: Total Volume of QR Code Payments in Central & East Europe (m), 2023
      • i. Czech Republic
      • ii. Turkey
    • 4.1.6 Far East & China
      • Figure 4.9: Total Volume of QR Code Payments in the Far East (m), Split by Country, 2023
      • i. China
      • ii. Hong Kong
      • iii. Japan
    • 4.1.7 Indian Subcontinent
      • Figure 4.10: Total Volume of QR Code Payments in the Indian Subcontinent (m), 2023-2028
      • i. Bangladesh
      • ii. India
      • iii. Pakistan
    • 4.1.8 Rest of Asia Pacific
      • Figure 4.11: Total Volume of QR Code Payments in the Rest of Asia Pacific (m), Split by Country, 2023
      • i. Australia
      • ii. Indonesia
      • iii. Malaysia
      • iv. Philippines
      • v. Singapore
      • vi. Thailand
      • vii. Vietnam
    • 4.1.9 Africa & Middle East
      • Figure 4.12: Total Volume of QR Code Payments in Africa & Middle East (m), Split by Country, 2023-2028
      • i. Kenya
      • ii. Nigeria
      • iii. Saudi Arabia
      • iv. South Africa
    • 4.1.10 QR Code Payments Country Opportunities: Heatmap Analysis
      • Table 4.13: Juniper Research's Country Readiness Index: North America
      • Table 4.14: Juniper Research's Country Readiness Index: Latin America
      • Table 4.15: Juniper Research's Country Readiness Index: West Europe
      • Table 4.16: Juniper Research's Country Readiness Index: Central & East Europe
      • Table 4.17: Juniper Research's Country Readiness Index: Far East & China
      • Table 4.18: Juniper Research's Country Readiness Index: Indian Subcontinent
      • Table 4.19: Juniper Research's Country Readiness Index: Rest of Asia Pacific
      • Table 4.20: Juniper Research's Country Readiness Index: Africa & Middle East

Competitor Leaderboard

1. Competitor Leaderboard

  • 1.1 Why Read This Report?
    • Table 1.1: Juniper Research Competitor Leaderboard: QR Code Payments
    • Figure 1.2: Juniper Research Competitor Leaderboard for QR Code Payments
    • Figure 1.3: Juniper Research Competitor Leaderboard: QR Code Payments Vendors & Positioning
  • 1.2 Vendor Profiles
    • 1.2.1 Alipay
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.2 easypaisa
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.3 Google 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 Opportunities
    • 1.2.4 LINE 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 Opportunities
    • 1.2.5 Maya
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.6 Mercado Pago
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.7 Momo
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.8 M-PESA
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.9 Nearex
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.10 PayPal
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.11 Paytm
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.12 PhonePe
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.13 Rakuten 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 Opportunities
    • 1.2.14 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 Opportunities
    • 1.2.15 Square
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 1.2.16 STC 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 Opportunities
    • 1.2.17 UnionPay 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 Opportunities
    • 1.2.18 WeChat 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 Opportunities
    • 1.2.19 Vipps MobilePay
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
  • 1.3 Vendor Analysis & Juniper Research Leaderboard
    • 1.3.1 Limitations & Interpretations
      • Figure 1.4: Juniper Research Competitor Leaderboard Scoring Criteria - QR Code Payments

Data & Forecasting

1. QR Code Payments - Market Forecasts

  • 1.1 Introduction
    • Figure 1.1: QR Code Payments Forecast Methodology
  • 1.2 QR Code Payments Forecasts
    • 1.2.1 QR Code Payments Users
      • Figure & Table 1.2: Total QR Code Payment Users (m), Split by 8 key Regions, 2023-2028
    • 1.2.2 QR Code Payments Transaction Volume
      • Figure & Table 1.3: Total Volume of QR Code Payments (m), Split by 8 Key Regions, 2023-2028
    • 1.2.3 QR Code Payments Transaction Value
      • Figure & Table 1.4: QR Code Payment Transaction Value ($m), Split by 8 Key Regions, 2023-2028
    • 1.2.4 QR Code Payments Transaction Volume, Split by Scheme
      • Figure & Table 1.5: QR Code Payments Total Volume (m), Split by Scheme Type, 2023-2028
    • 1.2.5 QR Code Payments Transaction Value, Split by Scheme
      • Figure & Table 1.6: QR Code Payments Total Value ($m), Split by Scheme Type, 2023-2028
    • 1.2.6 QR Code Payments Tickets Transaction Value
      • Figure 1.7: Total Value of QR Code Payments for Transportation Tickets (m), Split by 8 Key Regions, 2023-2028
      • Table 1.8: Total Volume of QR Code Payments for Metro Tickets (m), Split by 8 Key Regions, 2023-2028