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ペイメントプロバイダーの戦略:機会・リスク・競合

Strategies for Payment Providers: Opportunities, Risks & Competition 2019-2023

発行 Juniper Research 商品コード 519233
出版日 ページ情報 英文
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1GBP=143.37円で換算しております。
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ペイメントプロバイダーの戦略:機会・リスク・競合 Strategies for Payment Providers: Opportunities, Risks & Competition 2019-2023
出版日: 2019年03月12日 ページ情報: 英文
概要

当レポートでは、デジタルペイメントプロバイダーにとっての課題と機会を詳細に調査し、ペイメントサービスプロバイダー (PSP)、ペイメントネットワーク、ウォレットプロバイダーなど、ペイメント産業にわたる企業が取り得る戦略的オプションの評価、技術進歩や規制の発展を含む主なディスラプティブ要因の今後の影響の評価、および主要な国・地域市場におけるダイナミクス変化の分析などを提供しています。

第1章 デジタルペイメントの時代

  • イントロダクション
  • アナログからデジタルへ:ペイメントの発展
  • デジタルペイメントの機会

第2章 ペイメントカード・ネットワーク:戦略評価

  • イントロダクション:転換におけるペイメントネットワーク
  • ペイメントカード:市場概要
  • 非接触ペイメント:EMVCoアプローチ
  • オンラインペイメントネットワーク:不正行為の問題
  • ペイメントネットワークへの戦略提言

第3章 ペイメントサービスプロバイダー (PSP):戦略評価

  • イントロダクション
  • 主なPSP要件
  • ベンダー分析:能力評価・市場ポジショニング
  • PSPへの戦略提言

第4章 OTT & OEMペイメントプロバイダー:戦略評価

  • イントロダクション
  • 各国の概要
  • HCEの台頭:Android Pay以降
  • 規制:PSD2 レベルの欧州のペイメント
  • 課題の評価
  • ベンダー分析
  • OTT/OEMペイメントプロバイダーへの戦略提言

第5章 Telco (通信事業者) ペイメントプロバイダー:戦略評価

  • イントロダクション
  • モバイルウォレット
  • キャリアビリング:ビリング関係の活用
  • Telcoペイメントプロバイダーへの戦略提言

第6章 付録:Leaderboardの制限事項 & 解釈

目次

Overview

The latest edition of Juniper's ‘Strategies for Payment Providers’ is specifically designed to provide payment industry executives with an objective assessment of how an array of possible business approaches will play out; enabling them to prioritise their decisions in this fast-evolving space.

Providing an in-depth assessment of digital payment provider challenges and opportunities, this research is a must-have strategic guide for industry professionals.

This research includes:

  • Market Trends & Opportunities (PDF)
  • 5-Year Market Sizing & Forecast Spreadsheet (Excel)

Key Features

  • Market Landscape: In-depth assessment of, and insights into, the payments landscape, including:
    • Retail spend patterns, offline and online
    • Key market disruptors
  • Strategic Recommendations: Strategic options for players across the value chain assessed and prioritised.
  • Benchmark Industry Forecasts: Consumer spend on both the online and offline space, by country and payment mechanism.
  • Juniper Leaderboards: 3 Juniper Leaderboards, positioning 42 players across the payments ecosystem.

Key Questions

  • 1. How can digital payment providers maximise their revenue opportunity?
  • 2. Which business models will be ‘best fit' options for OEMs and OTTs?
  • 3. Which players are in the best position to capitalise on the burgeoning digital payments market?
  • 4. To what extent will analogue payments migrate to digital over the next 5 years?
  • 5. Can telcos deliver digital payment services?

Companies Referenced

  • Included in Juniper Leaderboards: 2Checkout, Adyen, Airtel, Alibaba, Amazon, America Movil, Apple, AT&T, Baidu, Bell Canada, Chase, China Mobile, CyberSource, Deutsche Telekom, Dwolla, First Data, FitBit, Garmin, Globe, Google, Huawei, Mastercard, MTN, Orange, Payline, PayPal, Paytm, Sage, Samsung, Skrill, Stripe, Telefonica, Telenor, Tencent, Veon, Verizon, Visa, Vodafone, Worldpay, Yandex.
  • Mentioned: 2C2P, ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços, the Brazilian Association of Credit Card and Services Companies), Accenture, ACDelco, American Express, Ant Financial Group, Arbejdernes Landsbank, Association of Local Banks, Savings Banks and Cooperative Banks, Avangate, Axis Bank, Banco do Brasil, Bango, Bank of America, Bank of China, Barclaycard, Bijilipay, BlackBerry, BluePay, BOKIS Partnership, Boku, Bradesco, Buick, Cadillac, Caixa Econômica Federal, Capital One, CardConnect, Century Payments, Chevrolet, Citi, CMB (China Merchants Bank), Coin, Commercial Bank of Ceylon, Dankort, Deutsche Bank, DIGISEQ, Diners Club, Discover, DOCOMO Digital, East West Bank, EBA Clearing, eBay, Ecobank, EE, Elo, EMVCo, Experian, Express (Hangzhou) Technology Services Co, Facebook, Fidesmo, Fifth Third Bank, Fortumo, GCC (Gulf Cooperation Council), Gemalto. Giesecke + Devrient, Girocard, GM (General Motors), GSMA, IBM, iDEAL, Indosat, Ingenico, Inside Secure, IPC Media, JCB, Jyske Bank, KDDI, Key Bank, Lengow, LianLian Group, MCX, Millennium bcp, MobiKwik, MoneyGram, Montblanc, Mutual Trust Bank, National Bank of Ukraine, Nielsen, NLB, NTT DOCOMO, NXP Semiconductors, Nykredit Bank, One97 Communications, Oxigen, Pagobancomat, PayMa, Payment Express, Payoneer, Paysafe, Payvision, PBOC (People's Bank of China), PhonePe, Planet Payment, QQ, Rakuten, RuPay, Safaricom, Saxo Payments, Sberbank, SecureBuy, Shape, Southern Commercial Bank, Spar Nord Bank, Square, Starbucks, SWIFT, Sydbank, Telkomsel, Tigo, TransferWise, UK Payments Strategy Forum, UnionPay, US Bank, Vantiv, VIVO, VocaLink, WeChat, Wells Fargo, Western Union, Whistl, Wirecard, World Bank, Xoom, Yespay, YouGov, Zenith Bank.

Data & Interactive Forecast

The new ‘Strategies for Payment Providers’ forecast suite includes:

  • Market data splits for 8 key regions and 11 countries including:
    • Canada
    • China
    • Denmark
    • Germany
    • Japan
    • Norway
    • Portugal
    • Spain
    • Sweden
    • UK
    • US
  • Forecasts for Global Retail Payments, Split by Region and by Channel
  • Access to the full set of forecast data of 7 tables and over 500 data points

Juniper Research's highly granular interactive Excels enable clients to 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. The New Payments Landscape

  • 1.1. Introduction
  • 1.2. From Analogue to Digital: The Evolution of Payments
    • Figure 1.1: eRetail Sales ($bn), 2001, 2010 & 2018
    • Figure 1.2: Global eRetail Spend, Leading Markets, 2018
    • Figure 1.3: Global Retail Transaction Value, Split by Location/Device, 2018
    • 1.2.1. Cards Now Account for Majority of Offline Payments
      • Figure 1.4: Global Instore Payments Transaction Value, Split by Payment Mechanism, 2018
      • Figure 1.5: Proportion of Instore POS Transactions (%) Made by Contactless Cards, Selected Markets, 2018
      • Figure 1.6: Leading Instore Payments Providers by Transaction Value ($bn), 2018
    • 1.2.2. The Rise in Digital Goods Sales
      • Figure 1.7: Global Sales of Digital Goods & Services, Split By 8 Key Regions, 2018
    • 1.2.3. Money Transfer: MTOs Facing Pureplay Digital Challenge
      • Figure 1.8: International Remittance Value, 2018, Split By Remittance Mechanism
  • 1.3. The Payments Opportunity
    • Figure & Table 1.9: Selected Consumer Payments, Annual Transaction Value ($ trillion), Split By Payment Type, 2018 & 2023

2. Payment Cards & Networks: Strategic Assessments

  • 2.1. Introduction: Payment Networks in Transition
  • 2.2. Payment Cards: Market Overview
    • 2.2.1. UnionPay: Strategic Approach
      • Figure 2.1: Global Credit/Debit/ATM Cards in Issue, End 2018
    • 2.2.2. Overseas Cards: The Chinese Opportunity
      • 2.2.3. Emergence of Local Players & International Partnerships
        • Figure 2.2: Local Payment Cards, Instore Share of Card Payments by Value, 2018 (%)
  • 2.3. Contactless Payments: EMVCo Approaches
    • 2.3.1. EMVCo: Wallet Strategies
      • Figure 2.3: Visa Checkout: Key Metrics, September 2018
      • i. Alternatives to NFC: Addressing the Demand for QR Codes
        • Figure 2.4: China, Instore Payments Mechanism Market Share (%), 2018
        • Figure 2.5: Instore Spend via QR Code ($bn), Leading Markets, 2023
      • ii. Prepaid Cards
      • iii. mWallet2GO
    • 2.3.2. EMVCo: Tokenisation Strategies
      • i. Online Tokenisation: SRC
      • ii. Beyond Mobile Payment: Tokenisation in the IoT
        • Figure 2.6: Payment Capable Connected Devices, 2023
  • 2.4. Online Payments Networks: The Challenge of Fraud
    • 2.4.1. 3DS 2.0 (3D Secure 2.0)
      • Figure 2.7: 3DS1.x vs 2.0
  • 2.5. Strategic Recommendations for Payment Networks
    • Table 2.8: EMVCo Members Strategic Priorities Summary

3. Payment Service Providers: Strategic Assessment

  • 3.1. Introduction
  • 3.2. Key PSP Requirements
    • 3.2.1. Simplifying Merchant Onboarding
    • 3.2.2. Simplifying the Fee Structure
    • 3.2.3. Addressing Fraud Risk
      • Figure 3.2: Annual Remote Physical & Digital Goods Transactions (m) 2018-2023
      • i. Modelling the Impact of Manual Reviews & False Positives
    • 3.2.4. The Cross-Border Challenge
      • i. Regulatory Analysis: SCT Inst
      • ii. Technological Analysis: Blockchain
        • Figure 3.4: Current Cross-border Settlement Process
        • Figure 3.5: Blockchain-based Cross-border Settlement Process
        • Figure 3.6: Cross-Border Settlement Cost Elements Addressable by Blockchain, Juniper Research Estimates Per Transaction ($)
    • 3.2.5. Expanding Partnerships
    • 3.2.6. Localisation
      • Figure 3.7: iDEAL: Netherlands Snapshot, 2017
      • i. Enabling the Omnichannel Experience
    • 3.2.7. Challenge Assessment
      • Figure 3.8: Juniper Challenge Assessment Matrix: Payment Service Providers
  • 3.3. Vendor Analysis: Juniper Leaderboard
    • 3.3.1. Vendor Assessment Methodology
      • Table 3.9: Stakeholder Assessment Criteria: Payment Service Providers
    • 3.3.2. Vendor Analysis: Capability Assessment & Market Positioning
      • Table 3.10: Juniper Leaderboard Scoring Matrix: Payment Service Provider Scoring
      • Figure 3.11: Juniper Leaderboard for Payment Service Providers
    • 3.3.3. Vendor Groupings
      • i. Established Leaders
      • ii. Leading Challengers
      • iii. Disruptors & Emulators
  • 3.4. Strategic Recommendations for Payment Service Providers
    • Table 3.12: PSPs Strategic Priorities Summary

4. OTT & OEM Payment Providers: Strategic Assessment

  • 4.1. Introduction
  • 4.2. National Snapshots
    • 4.2.1. Apple & the US Wallet Opportunity
      • Figure 4.1: US Market Snapshot, 2018
      • Figure 4.2: Apple Pay Acceptance, US Retailers, 2014-2018
    • 4.2.2. China: The Leading mCommerce Hub
      • i. Overview
        • Figure 4.3: China Mobile Wallets Market Snapshot, 2018
      • ii. Alipay vs Weixin Pay vs Baidu Wallet
        • Figure 4.4: Evolution of Weixin/WeChat
      • iii. The &lslquo;Red Envelope’ Phenemenon
        • Figure 4.5: Weixin/WeChat Pay &lslquo;Red Envelope’ Volumes During Chinese Lunar New Year, 2015-2018
      • iv. The Offline Phenomenon
      • v. The International Opportunity
        • Figure 4.6: Annual Spend by Chinese Tourists Overseas ($bn), 2014-2017
        • Figure 4.7: Alipay The International Opportunity
    • 4.2.3. India: Banking Liberalisation & Demonetisation
      • Figure 4.8: India Market Snapshot, 2018
      • i. Market Leader: Paytm
        • Figure 4.9: Indian Mobile Wallet Transaction Volumes, 2017
      • ii. Demonetisation
        • Figure 4.10: Indian Wallet Annual Transaction Volumes (m) & Values ($m), 2014-2018
      • iii. The Emergence of UPI
      • iv. International Players Sense Opportunity
  • 4.3. The Rise of HCE: Beyond Android Pay
  • 4.4. Regulation: PSD2 Levels the European Payments Playing Field
    • i. Possible Expansion of Open Banking APIs
  • 4.5. Challenge Assessment
    • Figure 4.11: Juniper Challenge Assessment Matrix: OTT/OEM Wallets (Developed Markets)
  • 4.6. Vendor Analysis: Juniper Leaderboard
    • 4.6.1. Vendor Assessment Methodology
      • Table 4.12: Stakeholder Assessment Criteria: OTT/OEM Payment Providers
      • Table 4.13: Juniper Leaderboard Scoring Matrix: OTT/OEM Payment Providers
      • Figure 4.14: Juniper Leaderboard for OTT/OEM Payment Providers
  • 4.7. Strategic Recommendations for OTT/OEM Payment Providers
    • Table 4.15: OTT/OEM Payment Provider Strategic Priorities Summary

5. Telco Service Providers: Strategic Assessment

  • 5.1. Introduction
  • 5.2. Mobile Wallets
    • 5.2.1. Money Transfer Services
    • 5.2.2. Evolving the Inclusive Opportunity: Deploying Sophisticated Mobile Financial Services
      • Figure 5.1: Active Mobile Money Deployments (February 2019)
      • Figure 5.2: Phased Evolution of Mobile Money
    • 5.2.3. The Revenue Opportunity: Monetising Mobile Money
    • 5.2.4. NFC Payments
  • 5.3. Carrier Billing: Leveraging the Billing Relationship
    • Table 5.3: Carrier Billing Availability by Selected Storefront, December 2018
    • 5.3.1. Digital Goods Payments: The Telco Opportunity
      • Figure 5.4: Operator Billed Content 2023 Forecast Snapshot
      • i. Challenge Assessment
        • Figure 5.5: Juniper Challenge Assessment Matrix: Content Carrier Billing
    • 5.3.2. From Digital to Physical Goods
    • 5.3.3. Juniper's View
    • 5.3.4. Forecasts
      • Figure 5.6: Remote Physical Goods, Value of Transactions Made via Carrier Billing ($m) Split by 8 Key Regions 2017-2022
      • Figure & Table 5.7: Remote Physical Goods, Operator Revenues from Carrier Billing ($m), Split by 8 Key Regions, 2017-2022
      • Table 5.8: Stakeholder Assessment Criteria: Telco Payment Providers
    • 5.4.2. Vendor Analysis: Capability Assessment & Market Positioning
      • Table 5.9: Juniper Leaderboard Scoring Matrix: Telco Payment Providers
      • i. Leaderboard Matrix Scoring Analysis
        • Table 5.10: Carrier Billing Availability, Selected Telcos, February 2019
        • Table 5.11: Telco Financial Product Range Comparison
        • Figure 5.12: Juniper Leaderboard for Telco Payment Providers
    • 5.4.3. Vendor Groupings
      • i. Established Leaders
      • ii. Leading Challengers
      • iii. Disruptors & Emulators
  • 5.5. Strategic Recommendations for Telco Payment Providers
    • Figure 5.13: MNOs, Selected Postpaid User Base (m), December 2018
    • Table 5.14: Telco Payment Provider Strategic Priorities Summary
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