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デジタルウォレット：プラットフォーム分析、主な動向、市場予測（2023年～2028年）

Digital Wallets: Platform Analysis, Key Trends and Market Forecasts 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

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デジタルウォレット：プラットフォーム分析、主な動向、市場予測（2023年～2028年）
出版日: 2023年07月10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、デジタルウォレット市場について包括的な市場予測を提示しています。8つの主要地域と60カ国に分けて、デジタルウォレットのユーザー数、取引量、取引額など、広範な洞察と実用的なデータを提供しています。

目次

市場動向と戦略

第1章 重要なポイントと戦略的推奨事項

第2章 市場情勢

  • イントロダクション
  • デジタルウォレットの種類
  • 機会と課題

第3章 デジタルウォレットの動向

  • オープンバンキング
  • BNPL
  • トークン化
  • QRコード
  • ブロックチェーン
  • バーチャルカード
  • 生体認証
  • スーパーアプリ
  • ハイパーパーソナライゼーション

第4章 セグメント分析

  • 決済
  • ID
  • 発券業務
  • 暗号

競合のリーダーボード

第1章 競合動向

第2章 企業プロファイル

  • ベンダープロファイル
    • Cellum
    • Comviva
    • Ericsson
    • HolyWally
    • Huawei
    • Itexus
    • Netcetera
    • Obopay
    • OpenWay
    • SDK.Finance
    • Seamless Distribution Systems
    • Soft Space
    • Velmie
    • Wallet Factory
    • Youtap

データと予測

第1章 デジタルウォレットのイントロダクション

  • イントロダクション
  • 背景

第2章 調査手法と前提条件

第3章 市場概要

  • ウォレットの浸透
  • ウォレットユーザー
  • 取引量
  • 種類別取引量
  • 取引額
  • 種類別の取引額

第4章 店舗内小売

  • 店内取引額
  • NFC
  • QRコード

第5章 送金

  • 送金の価値
  • 国内送金
  • 国際送金

第6章 その他の業種

  • 請求書の支払い
  • 発券業務
  • リモート購入
目次

Juniper Research's new “Digital Wallets” report presents an independent analysis of the current landscape and future development of this significant market. It provides a comprehensive study of the growth of the electronic wallets market, as well as the opportunities and challenges it presents.

The report positions 15 vendors via the Juniper Research Competitor Leaderboard; providing an invaluable resource for stakeholders seeking to understand the complex landscape of this market.

This report presents a comprehensive market forecast; providing extensive insights and actionable data across the below areas, split by 8 key regions and 60 countries:

  • Digital Wallet Users
  • Digital Wallet Transaction Volume
  • Digital Wallet Transaction Value

These metrics are split across key verticals:

  • In-store Retail
  • Money Transfer
  • Bill Payment
  • Ticketing
  • Remote Purchases

The research suite includes:

  • Market Trends & Strategies (PDF)
  • Competitor Leaderboard (PDF)
  • Data & Forecasts (PDF & Excel)
  • 12 Months Access to harvest Online Data Platform

KEY FEATURES

  • Market Landscape: Provides an in-depth analysis of the current state of the market and its key trends, such as virtual cards. It also assesses the different use cases for electronic wallet apps including payment, ticketing, identity and crypto.
  • Key Takeaways & Strategic Recommendations: Key opportunities for mobile wallet providers are highlighted, and recommendations on how different providers must respond to take advantage of these. The key market trends are also analysed, making this section a must-read for digital wallet providers, and mobile money services.
  • Benchmark Industry Forecast: 5-year forecasts are provided for the number of users, transaction volume and transaction value of digital wallets. These are split by type, including in-store QR code, in-store NFC (Near-field Communication), domestic money transfer, international money transfer, online digital goods purchase, online physical good purchase, utility bill payment, and ticketing. The data is also split by 8 key regions and 60 countries:
  • 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
  • Juniper Research Competitor Leaderboard: Key players capability assessing 15 digital wallet platform, white-label digital wallet, or digital wallet software providers, via the Juniper Research Competitor Leaderboard.
  • Cellum
  • Comviva
  • Ericsson
  • Finance
  • HolyWally
  • Huawei
  • Itexus
  • Netcetera
  • Obopay
  • OpenWay
  • Seamless Distribution Systems
  • Soft Space
  • Velmie
  • Wallet Factory
  • Youtap

KEY QUESTIONS ANSWERED

  • 1. What is the value of the digital wallets market today, and what will it be in 2028?
  • 2. What factors spur digital wallets' adoption growth, both nationally and internationally?
  • 3. How can wallet providers maximise their future opportunities outside of core payments?
  • 4. Which digital wallet platforms will lead the market in 2023?
  • 5. How will the rise of central bank digital currencies impact the digital wallets market?

COMPANIES REFERENCED

  • Interviewed: Comviva, Ericsson, HolyWally, Huawei, Netcetera, OpenWay, Soft Space, Velmie, Wallet Factory.
  • Case Studies: Cryptom.com Gojek, UIDAI (Unique Identification Authority of India).
  • Included in Juniper Research Competitor Leaderboard: Cellum, Comviva, Ericsson, HolyWally, Huawei, Itexus, Netcetera, Obopay, Openway, SDK Finance, Seamless, Soft Space, Velmie, Wallet Factory, Youtap.
  • Mentioned: AirAsia, Airtel, Amazon, ASBANC BIM, Belize Bank, Bill & Melinda Gates Foundation, bKash, Cathay United Bank, Coinify, Curve, du, Exberry, FamilyMart, Galileo, Grameenphone, Hibiscus Fund, Inwi Money, JazzCash, JCB Co Ltd, JIVF, Jumio, KBZPay, Lufthansa, Mambu, Mastercard, MFS Africa, Mobily Pay, MoneyGram, Monzo, motionQR, MOVii, MPAY, M PESA, Mubble, Nexi, Nokia, Ooredoo, Oracle, Orange, OTP Bank, Payment Services Austria GmbH, Piraeus Bank, Raiffeisen Bank, Revolut, Shufti Pro, SIX Group , Somtel, Southern Capital Group, Sumitomo Mitsui Card Company, Tcell, telebirr, Telekom Hungary, Telenor, TerraPay, Thales, Tmcel mKesh, transcosmos, TransferTo, TransferWise, Union Bank of India, Visa, Vodacom, Vodafone, Western Union, Worldline, Yettel, Zain.

DATA & INTERACTIVE FORECAST

The forecast has several key splits, giving an extensive coverage of the quickly developing market:

  • Utility Bill Payment
  • Remote Payments
  • Ticketing
  • International Money Transfer
  • Domestic Money Transfer
  • Digital Goods
  • In-store Retail Payments
  • Geographical splits: 60 countries
  • Number of tables: Over 140 tables
  • Number of datapoints: Over 60,000 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 receive alerts whenever your data is updated.

Interactive Excel (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 custom charts and tables. IFxl greatly increase a client's ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

  • The total value of digital wallets transactions will rise from $9 trillion in 2023 to surpass $16 trillion in 2028, a rise of 77%. This trend is driven by growth across both developed and developing markets, as the increased adoption of advanced services such as BNPL (Buy Now Pay Later), microloans, and personal financial management drive end-user engagement. In a highly congested wallets landscape, diversifying digital wallets appeal to users is vital.
  • Advanced services are a key source of revenue growth for digital wallets. Advanced services, such as BNPL or microloans, are allowing digital wallet providers to diversify their revenue. The popularity of BNPL, especially among younger consumers, will draw greater numbers of users, and generate additional revenue. This approach can be seen with Apple's roll-out of numerous add-on services, including Apple Pay Later.
  • Advanced services give digital wallet providers an opportunity to differentiate themselves in a congested market and generate additional revenue. Super app strategies, which many digital wallets are pursuing, will rely on the effective deployment of advanced services at scale.
  • Security benefits are a key driver of digital wallet use in eCommerce in developed markets. Many consumers do not wish to enter card information online. With digital wallets, this issue is reduced, as tokenisation enables card and other payment information to be used in a highly secure way. As digital wallets become broader, including elements of digital identity, convenience will play a greater role; enabling wallet services to act as more of an all-inclusive app for financial wellbeing.

Table of Contents

Market Trends & Strategies

1. Key Takeaways & Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Market Landscape

  • 2.1 Introduction
    • 2.1.1 Historical Context
  • 2.2 Types of Digital Wallets
    • 2.2.1 Technology Types
    • 2.2.2 Use Cases
  • 2.3 Opportunities and Challenges
    • 2.3.1 Opportunities
    • 2.3.2 Challenges

3. Digital Wallet Trends

  • 3.1 Open Banking
    • Figure 3.1: Visualisation Showing the Parties Involved in Open Banking
  • 3.2 BNPL
  • 3.3 Tokenisation
  • 3.4 QR Codes
    • Figure 3.2: Total Number of Retail Payments via QR Codes (m), Split by 8 Key Regions, 2018-2022
  • 3.5 Blockchain
  • 3.6 Virtual Cards
  • 3.7 Biometric Authentication
  • 3.8 Super Apps
  • 3.9 Hyper Personalisation

4. Segment Analysis

  • 4.1 Payment
    • 4.1.1 Mobile Money
      • Figure 4.1: Mobile Money P2P Transaction
    • 4.1.2 Card-linked Wallets
    • 4.1.3 Stored-value Wallets
  • 4.2 Identity
    • 4.2.1 Storing Digital Identity
      • i. Onboarding
      • ii. Storage
      • iii. Presenting
        • Figure 4.2: Onboarding and Accessing Digital Identity
    • 4.2.2 Digital Identity Wallets
      • i. eIDAS2
  • 4.3 Ticketing
    • 4.3.1 Transport
    • 4.3.2 Events
    • 4.3.3 Parking
  • 4.4 Crypto
    • 4.4.1 Physical vs Digital
    • 4.4.2 Custodial vs Non-custodial
    • 4.4.3 Multi-signature Wallets
    • 4.4.4 NFT Wallets
    • 4.4.5 Challenges
    • 4.4.6 Future Outlook

Competitor Leaderboard

1. Juniper Research Competitor Leaderboard

  • 1.1 Why Read This Report
    • Table 1.1: Juniper Research Competitor Leaderboard Digital Wallet Vendors Included & Product Portfolio
    • Figure 1.2: Juniper Research Competitor Leaderboard for Digital Wallets
    • Table 1.3: Juniper Research Leaderboard Digital Wallets & Positioning
    • Table 1.4: Juniper Research Competitor Leaderboard Heatmap: Digital Wallet Vendors

2. Company Profiles

  • 2.1 Vendor Profiles
    • 2.1.1 Cellum
      • i. Corporate
        • Table 2.1: Cellum Rounds of Funding ($m), 2011-2018
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.2 Comviva
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.3 Ericsson
      • i. Corporate
        • Table 2.2: Ericsson's Financial Snapshot ($m), 2020-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.4 HolyWally
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
        • Figure 2.3: HolyWally's Digital Wallet Use Cases
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.5 Huawei
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.6 Itexus
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.7 Netcetera
      • i. Corporate
        • Table 2.4: G+D's Financial Snapshot ($m), 2020-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
        • Figure 2.5: G+D's Digital Wallet Stack
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.8 Obopay
      • i. Corporate
        • Table 2.6: Obopay's Rounds of Funding ($m), 2006-2011
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.9 OpenWay
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.10 SDK.Finance
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.11 Seamless Distribution Systems
      • i. Corporate
        • Table 2.7: Seamless' Financial Snapshot ($m), 2020-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
        • Figure 2.8: Seamless' Mobile Financial Services
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.12 Soft Space
      • i. Corporate
        • Table 2.9: Soft Space's Rounds of Funding ($m), 2017-2023
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.13 Velmie
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.14 Wallet Factory
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
    • 2.1.15 Youtap
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offering
      • v. Juniper Research's View: Key Strengths & Strategic Opportunities
  • 2.2 Juniper Research Competitor Leaderboard Assessment Methodology
    • 2.2.1 Limitations & Interpretations
      • Table 2.10: Juniper Research Competitor Leaderboard Scoring Criteria

Data & Forecasting

1. Digital Wallets Introduction

  • 1.1 Introduction
  • 1.2 Background
    • 1.2.1 History
    • 1.2.2 Types of Digital Wallets

2. Methodology & Assumptions

  • 2.1 Introduction
  • 2.2 Methodology & Assumptions
    • Figure 2.1: Juniper Research Digital Wallets Methodology

3. Market Summary

  • 3.1 Wallet Penetration
    • Figure & Table 3.1: Percentage of Population Who Use Digital Wallets (%), Split by 8 Key regions, 2023-2028
  • 3.2 Wallet Users
    • Figure & Table 3.2: Number of People Using Digital Wallets, Year End (m), Split by 8 Key Regions, 2023-2028
  • 3.3 Transaction Volume
    • Figure & Table 3.3: Total Number of Transactions via Digital Wallets (m), Split by 8 Key Regions, 2023-2028
  • 3.4 Transaction Volume by Type
    • Figure & Table 3.4: Digital Wallet Transaction Volume (m), Split by Transaction Type, 2023-2028
  • 3.5 Transaction Value
    • Figure & Table 3.5: Total Value of Digital Wallet Spend per annum ($m), Split by 8 Key Regions, 2023-2028
  • 3.6 Transaction Value by Type
    • Figure & Table 3.6: Digital Wallet Transaction Value ($m), Split by Transaction Type, 2023-2028

4. In-store Retail

  • 4.1 In-store Transaction Value
  • 4.2 NFC
    • Figure & Table 4.2: Total NFC Retail Transaction Value per annum ($m), Split by 8 Key Regions, 2023-2028
  • 4.3 QR Codes
    • Figure & Table 4.3: Total Value of Retail Transactions, QR Codes ($m), Split by 8 Key Regions, 2023-2028

5. Money Transfers

  • 5.1 Value of Money Transfer
    • Figure & Table 5.1: Total Value of Money Transfer via Digital Wallets ($m), Split by 8 Key Regions, 2023-2028
  • 5.2 Domestic Money Transfers
    • Figure & Table 5.2: Total Value of Domestic Money Transfer via Digital Wallets ($m), Split by 8 Key Regions, 2023-2028
  • 5.3 International Money Transfers
    • Figure & Table 5.3: Total Value of International Money Transfer via Digital Wallets ($m), Split by 8 Key Regions, 2023-2028

6. Other Verticals

  • 6.1 Bill Payments
    • Figure & Table 6.1: Total Value of Utility Bill Payments via Digital Wallets ($m), Split by 8 Key Regions, 2023-2028
  • 6.2 Ticketing
    • Figure & Table 6.2: Total Value of Ticketing via Digital Wallets ($m), Split by 8 Key Regions, 2023-2028
  • 6.3 Remote Purchases
    • Figure & Table 6.3: Total Value of Remote Purchases of Physical Goods via Online Wallets ($m), Split by 8 Key Regions, 2023-2028